Choose from a wide range of term options
You can select a standardized term (up to 12 months) or the maturity date of your choice.
Minimum amount
€25,000
Interest Payment
Select the interest payment that fits your needs:
- Upfront
- at maturity
- during the term of the time deposit, monthly, bimonthly or quarterly (the options availability depends on the time deposits tenor).
Penalty - free early withdrawal option
Should you need your money before maturity, you have the option of an early full withdrawal2.
The early withdrawal is free of charge only on the interest payment date. Otherwise, an early withdrawal penalty applies, calculated as follows:
2% x Withdrawn Capital x days remaining to maturity / 360 (days)
Early withdrawal penalty cannot exceed the total accrued credit interest of the time deposit, paid or not. Especially, in the case of interest payment at the beginning of the time deposit, the above cost increases by the upfront gross paid interest for the days remaining to maturity of the term deposit.
Option of capital modification
You can modify your capital as many times as you wish – once a day – at no cost, without any effect on the interest rate.
More specifically:
- The amount you deposit or withdraw should be at least €1,000
- The remaining time deposit capital should be up to 10% lower or higher than the initial capital
For example: at a "ESG Do It Yourself" of €30,000 initial capital, you can deposit or withdraw a minimum amount of €1,000 once a day, as long as the new capital of your time deposit is no more than €33,000 (+10%) or less than €27,000 (-10%).
However, if you wish to exceed the above mentioned range and the remaining amount is less than 90% of the initial capital, you have to withdraw the whole amount of your time deposit and pay an early withdrawal penalty.
