adevarul.ro/economie/tezaur-sau-depozite-bancare-u

Romanians can choose between state bonds and bank deposits for low-risk savings. The TEZAUR program offers up to 7.50% annual interest, tax-free, while bank deposits face a 10% tax on interest. The TEZAUR program is available until December 4, 2026, with varying interest rates based on maturity. Comparisons show that TEZAUR generally provides higher net returns than bank deposits after taxes. For a 10,000 lei investment over three years, TEZAUR yields 2,100 lei, while TBI Bank's deposit yields 2,025 lei after tax. Additionally, TEZAUR income is exempt from social health insurance contributions, making it more attractive for savers. Early withdrawal conditions differ between banks and TEZAUR, impacting potential earnings.