Surprising movement of the banks. Clients have finally stopped winning. Interest rates for deposits are starting to beat Tezaur and Fidelis.

After a period of stagnation, banks in Romania are regaining ground in attracting resources from the population, offering competitive interest rates for deposits. At the end of February, some credit institutions began to offer net yields for deposits that exceed the offerings from the Tezaur and Fidelis programs.

This change in trend is also observed through the decrease in interest for government bonds, with a significant reduction in the volume of orders for Fidelis. Although in 2025, both banks and the state have not managed to offer real yields that exceed inflation, medium and long-term bonds could bring gains in the coming years.

Banks have started to offer competitive long-term interest rates, and deposits with atypical maturities remain attractive. For example, CEC Bank offers an interest rate of 6.10% for 5-month deposits, while Raiffeisen Bank offers 6.5% for 4-month deposits. Small and medium banks continue to stand out with attractive offers, while large banks face fierce competition in attracting deposits from the population.