savings
1 3 year fixed term savings account

1-3-YEAR FIXED-TERM SAVINGS ACCOUNT

Savings

Fixed-term savings accounts

Potentiel 1.2.3

The 1-3-year Fixed-term Savings Account requires a single deposit of minimum €2,000 and has a progressive interest rate.

  • Term
  • 3 years

In detail

Fixed rate

GUARANTEED FROM OPENING DAYReliable and predictable

A 1-3-year Fixed-term Savings Account has a fixed interest rate that is known at the time the account is opened:

  • 0.50% during the first year
  • 0.75% during the second year
  • 1% during the third year

Initial deposit

A SINGLE, UNLIMITED DEPOSITYou decide

The initial deposit to the fixed-term account is the only possible deposit and has no limit. The minimum deposit is €2,000. You may not make any subsequent deposits.

Withdrawals

Releasing fundsUnrestricted

After the first month, you can withdraw your initial capital at any time, plus any accrued interest and the interest of the current period calculated prorata temporis.

Further details

Detailed characteristics of

1-3-YEAR FIXED-TERM SAVINGS ACCOUNT

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  • Eligibility, interest rate, term, deposits, interest, withdrawals
  • Taxation, social security withholding
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Eligibility

Any BNP Paribas customer can ask to open a 1-3-year Fixed-term Savings Account .

Interest rate

The interest rate of the 1-3-year Fixed-term Savings Account is guaranteed and known to have a progressive interest rate from the time you sign up for a period of three years:

  • 0.50% during the first year
  • 0.75% during the second year
  • 1% during the third year(1)

(1) Rate established on 2015-01-01

Term

The term of the 1-3-year Fixed-term Savings Account contract is three years from the date of opening.

Deposits

You must make an initial and single payment of at least €2,000, without a limit. You may not make any subsequent deposits.

Interest

Interest on a 1-3-year Fixed-term Savings Account is paid out once a year.
The frequency of the deposits may not be changed.

Withdrawals

No interest will be paid on any sums that are withdrawn less than one month after the 1-3-year Fixed-term Savings Account is opened.
After the first month, you can withdraw your initial capital at any time, plus any accrued interest and the interest of the current period calculated prorata temporis. Nevertheless, the interest rate on the savings account during the current period since the last anniversary of the account opening will be reduced by 0.50%.
Any withdrawal will result in the closure of the 1-3-year Fixed-term Savings Account.

FAQ ()

In addition

  • Compte EpargneSavingsSAVINGS ACCOUNTIt offers a 0.40% interest rate, with no maximum limit on your account balance.
  • Potentiel marchéSavingsFIXED-RATE DEPOSIT ACCOUNTA fixed-term deposit account that allows you to earn interest on your savings with peace of mind.
  • Protection familialePersonal insuranceFAMILY LIFE/AD&D INSURANCEA policy that covers Total and Irreversible Loss of Independence, no matter what the cause (accident or illness).

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BNP Paribas, limited company with a capital of €2,492,770,306 – Headquarters: 16 boulevard des Italiens, 75009 Paris. Registered with the Paris RCS (Trade and Companies Registry) as No. 662 042 449 – EU VAT identification No. FR76 662 042 449 – ORIAS No. 07 022 735.