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Optima capital
Term deposits in BGN, EUR, USD, CHF or GBP. The minimum amount in BGN is 500 BGN, in foreign currency - EUR/USD 500 or the equivalent in another currency. Societe Generale Expressbank offers terms of one month, three months, six months, one year or two years.
Business deposit Optima

Term deposits Optima capital allow you to:
  • earn higher interest than on current account
  • plan and manage better your company free funds
  • be more flexible with where and how to receive the interest income


Who are term deposits Optima capital for?


All companies who have excess liquidity over 1 month.

What are term deposits Optima Capital?

Term deposits in BGN, EUR, USD, CHF or GBP. The minimum amount in BGN is 500 BGN, in foreign currency - EUR/USD 500 or the equivalent in another currency. Societe Generale Expressbank offers terms of one month, three months, six months, one year or two years.

 

Interest
A bonus, according to the current preferential conditions of the Bank, will be provided automatically for deposit with amounts exceeding the ones below:
 
BGN EUR USD GBP CHF
50 000 25 000 25 000 50 000 100 000
 
Interest serving
Serving of interest on the deposited amount will take place upon expiry of the agreed term.
 
Disposal of the interest without terminating the term deposit
Societe Generale Expressbank grants the possibility for you to choose for yourselves how to dispose of the interest upon expiry of the deposit term by stating this upon signing the agreement for:
  • Deposit with interest capitalization - on the maturity date, the interest accrued will be added to the amount initially deposited, for a new term and under the same terms & conditions
  • Deposit with interest paid on maturity - on maturity date, the interest accrued will not be added to the amount initially deposited but will be transferred to an account specified by you so that you can withdraw it at any time
 
Termination of the term deposit agreement
  • On maturity - if you do not want to renew the deposit agreement upon maturity, you can state in advance your wish for the amount and interest thereon to be transferred to an account specified by you
  • Before maturity - in the case of pre-term termination of the deposit agreement, Societe Generale Expressbank will decrease the interest paid as per the General Terms and Conditions
 
Withdrawal of the deposit may be effected by you in person by presenting an identity document and the original deposit agreement, or by a person authorized to represent you. Disposal of the deposit will be possible only at the branch where it was opened.