Characteristics:

• Term – 24 months
• For individuals
• Currency - BGN, EUR, USD
• Minimum balance required on the deposit, incl. upon opening - BGN 5,000 / EUR 2,500 / USD 2,500
• Attractive interest rate that increases every 6 months.
• Interest is paid at the end of each 6-month period to the deposit account (without capitalization*) or to another account of the client's choice.

Interest rates on an annual basis:

* the interest paid does not accrue interest in the following periods.

• It is possible to withdraw/transfer funds from the deposit on the last day of each six-month period, as long as after the order the condition for ensuring the minimum balance on the deposit account is not violated (the available amount on the deposit account must not fall below BGN 5,000 or EUR/USD 2,500).

If the available amount on the deposit account is below this minimum balance required, the funds on the account are subject to interest at the annual interest rate applicable in cases of non-fulfillment of the contract terms. Withdrawal of amounts on a date other than the last day of each six-month period constitutes a violation of the terms of the deposit. In this case, the Bank is not liable to pay the interest due on the deposit from the starting date of the respective 6 (six) month interest period in which the withdrawal was made until the date of withdrawal.

Additional information:

• The minimum balance on the deposit must be ensured within the first 7 calendar days after its opening. If the deposited amount is below the minimum after the expiry of this period, the deposit shall bear interest at the annual interest rate applicable in case of non-fulfillment of the contract terms, according to the Interest Bulletin in force as of the date of application. 
• Depositing additional funds after the first 7 calendar days is not allowed. In case funds are received on the deposit account after the expiry of this period, they shall bear interest at the annual interest rate applicable in case of non-fulfillment of the contract terms, according to the Interest Bulletin in force as of the date of application.
• The deposit is automatically renewed each time for a new term and with a new grace period for depositing additional funds - 7 calendar days, upon the maturity of the deposit, or in case of disposal of funds from the deposit account before maturity or on a date other than the days specified in the contract (at the end of each six-month interest period). The funds shall bear interest at the interest rate applicable to the date of renewal for this product, according to the terms of the deposit and the current Interest Bulletin.
• Fees and commissions - according to the current Fibank Tariff
• The depositor has the right to early termination at any time during the term of the deposit, without giving a prior notice. In case of early termination, the depositor retains the interest paid so far for the completed six-month period. No interest is paid for the days of the new six-month period that has begun, in which the termination was made. When withdrawing funds from the deposit account above a certain amount specified in the Fibank Tariff, the depositor must notify the Bank in advance of the operation within the terms specified in the Tariff, otherwise the depositor will be liable to pay an additional fee.
• The funds on the deposit account are guaranteed by the Bank Deposit Insurance Fund (BDIF), established and operating in the Republic of Bulgaria (BDIF), in accordance with the procedure, up to the amount and under the conditions provided for in the Bank Deposit Insurance Act (BDIA). The currently effective amount up to which the BDIF guarantees full payment of the amounts of one person in one bank, regardless of their number and amount, is up to BGN 196,000, and this amount also includes the accrued interest until the date of issuance of an act under Art. 20, para. 1 of the BDIA.