The gross interest rate is fixed annually and depends on the maturity term you select: 1 year (7.5%), 2 years (8.5%), 3 years (8.75%), or 4 years (9.0%). Interest compounds annually. This means that on each portfolio anniversary, the interest earned during that year is added to your initial invested principal, generating interest itself in the following year (the compound interest effect).
At the end of your chosen term, you receive your initial investment plus total accumulated interest, minus applicable tax withheld according to your tax status.
📊 Calculation example for a €15,000 investment
The table below illustrates portfolio growth for both investor categories:
Individuals (PF): Calculated using the default tax rate equal to the withholding tax rate for residents of the Republic of Moldova (withheld and paid in accordance with applicable tax legislation).
Legal Entities (PJ): Calculated with a 0% withholding tax rate (€0 withheld), as legal entities declare and pay their income/corporate tax individually based on their own tax status.
*Note: The calculation assumes annual compounding of gross interest and tax application on total accumulated gross earnings at maturity. The exact tax rate for individuals is configurable in your account settings based on your tax residency.