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Festverzinsliche Einlagen

Summary risk indicator applicable to fixed-term deposits

1/6

This number is indicative of the risk of the product, with 1/6 being the lowest risk and 6/6 the highest.

Banco de Sabadell, S.A. is a member of the Spanish Deposit Guarantee Fund for Credit Institutions. The maximum amount currently guaranteed by the aforementioned fund is €100,000 per depositor.

iconoThe repayment, redemption or early reimbursement of part or all of the principal amount invested is subject to fees or penalties.

icono Repayment, redemption or early is subject to an imporant minimum notiamount period.

Depósito plazo fijo

Obtain a fixed remuneration with your fixed term deposit from just €600

Have the peace of mind of knowing that the remuneration of your deposit won’t change throughout the term of the contract. You decide which terms best suit your needs.

Recover 100% of your money on the maturity date

For your convenience, the deposit will be renewed automatically for the same amount and term, with the interest rate in force at the time of renewal. If you don't wish to renew, let your branch know before the renewal date. If you need to, you can also cancel your fixed term deposit in whole or in part before it matures. In this case, a penalty will apply to the interest accrued1.

The keys to your fixed-term deposit

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Security

Save with the peace of mind of knowing the terms and conditions beforehand.

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Flexibility

You choose: you can select the term that best suits your needs.

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Liquidity

You can cancel your fixed term deposit in whole or in part before it matures1.

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Stability

Decide whether to redeem 100% of the capital at maturity or automatically renew your deposit.

Your fixed term deposit, in just three steps and 100% online

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1. Log in to your area or become a customer

Set up a fixed term deposit in your customer area. If you are not yet a Banco Sabadell customer, become one with the Sabadell Online Account.

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2. Talk to your manager

If you have any queries, an expert manager will advise you on which fixed term deposit best suits your profile and needs.

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3. Stabilise your savings

With your fixed term deposit, starting to save is now easy.

FAQs ONLINE FIXED-TERM DEPOSITS (hereinafter Online Deposit)

What is the Online Fixed-Term Deposit?
 
The Online Fixed-Term Deposit is a savings product whereby the customer deposits an amount of money with a banking institution for a specific period of time and at the end of this period, they receive the amount they deposit plus the agreed amount of interest.
If I take out an Online Deposit, is it covered by the Deposit Guarantee Fund?
 
Yes, Banco Sabadell is a member of the Deposit Guarantee Fund for Credit Institutions (DGF), with a limit of €100,000 per depositor and institution.
Who can open an Online Deposit?
 
Any natural person resident or non-resident in Spain of legal age.
What information will the Bank give me to open an Online Deposit?
 
In the online registration process, you will be provided with the information on the terms and conditions relating to the contract, as well as the Fixed-Term Deposit contract itself.

You should only sign the contract when you have received adequate and necessary explanations to be sure that you are familiar with this product and have been able to resolve any doubts about it.

In order to contract an Online Deposit, it is necessary to have a Deposit Account contract. If at the time of opening the Online Deposit, you do not have the Deposit Account contract, you will also be provided with the pre-contractual information and the contract, which you must accept in order to open the account.
What is a Deposit Account?
 
The Online Deposit is set up through the fixed-term deposit framework account called the Deposit Account. The purpose of this Deposit Account is exclusively to group together the various fixed-term deposits, and it is not a payment account. The total balance of the Deposit Account is for information purposes only and shall consist of the sum of the current deposits.
Does the Online Deposit have automatic renewal at maturity?
 
Yes, it is automatically renewed for the same amount and term and at the interest rate in effect at the time of renewal. However, you may request not to renew it automatically at any time before maturity, in which case the amount of the Deposit will be credited to the sight account called the 'capital account' indicated in the Deposit Account agreement together with the accrued interest.

You can request not to renew it automatically at any of Banco Sabadell's branches, as well as through the Bank's Remote Banking service and free phone number 900 700 010.
When is interest paid?
 
Interest is settled at the maturity of the Deposit and will be credited to your sight account called 'interest payment account' indicated in the Deposit Account contract.
Can I cancel my Online Deposit before maturity?
 
The Deposit has a fixed maturity date, so in principle the money is not available until maturity, but the contract provides for the possibility of early cancellation in whole or in part.

To do so, you must give us at least 35 days' notice. This means that during the period between the request for early withdrawal and the crediting of the amount to the current account, the holders will not be able to withdraw the amount of the Deposit. Please note that in the event of early cancellation, a penalty of 1% nominal annual fee will be applied to the amount cancelled for the period between the date of early cancellation and the agreed maturity date. This penalty shall be, at most, the amount of the gross interest accrued from the beginning of the deposit until the early cancellation date.

Notice of the minimum notice period of 35 days can be given at any of Banco Sabadell's branches, as well as through the Bank's Remote Banking service and the free telephone number 900 700 010.
How can I take out an Online Deposit?
 
Go to your online banking, go to the Savings/Investment > Deposits > Time Deposits section, where you can view the available offer. Click on the product to be contracted and complete the information requested by the process.
How can I sign the contract online?
 
Signing the contract is the last step in the process of opening the account. After confirming that you have read and accepted the contract, you will receive a notification with the password that you must enter where indicated.

Remember that a copy of the signed contract will be available in the 'Digital Documentation' section of your remote banking.
Can I withdraw from the Online Deposit contract once it has been signed?
 
Yes, you can withdraw and cancel the Deposit contract free of charge within 14 calendar days of its entry into effect without giving any reason and without penalty. You have to give notice by the deadline indicated via the Bank's Remote Banking service, at our registered offices or corporate centres or branches or by calling the free phone number 900 700 010. In this case, the contract will be cancelled by crediting the amount deposited to the sight account referred to as the 'capital account' specified in the Deposit Account contract.
What additional information do I have available about signing up for a Deposit?
 
The Bank also makes the following documentation available to you at its branches and in the 'Customer Information/Information on fees and interest' section of the Bank's website:
 
  • Quarterly information on the fees and rates most commonly charged or offered for the most frequent transactions with the most common natural person customer profiles.
If you need it, there is a free telephone number 900 700 010 that you can call to resolve any questions or queries you may have.
Can I register joint account holders?
 
It is not possible to change the ownership of the contracted Deposit.
Is interest subject to withholding tax?
 
The interest generated by this Deposit is included in the taxable base of all the holders of the Deposit Account, regardless of whether the Deposit has been formalised by all or any one of them with indistinct powers.

On the interest paid, the Bank shall withhold the amount required by the tax regulations in effect, without prejudice to compliance by the Holders with their tax obligations in their tax returns.
 

1. Possibility of partial or total early cancellation, with a penalty of 1% nominal annual fee on the amount drawn down for the period between the early cancellation date and the agreed maturity date. This penalty shall be, at most, the amount of the gross interest accrued from the beginning of the transaction until the early cancellation date.

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