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Salt Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Salt Bank suits Romanian companies that want a fixed return on spare cash in lei, euro or US dollars. Term deposits pay 5.3% to 5.9% over terms of 3 to 12 with interest paid at maturity, while the business account pairs them with a multi-currency Mastercard debit card.

Key facts

Best for
A fixed rate business deposit in Romania with a multi-currency card.
Headline rate
5.3% to 5.9%↗
Rate type
Fixed↗
Term
3 to 12 months↗
Minimum deposit
RON 500↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
3, 6 or 12 month terms in RON, EUR or USD; interest paid at maturity to the current account; deposits guaranteed up to EUR 100,000 per depositor by FGDB↗
Monthly fee
RON 0↗
Account kind
Fixed↗
Legal entity
Salt Bank S.A.↗
Headquarters
Romania↗
Support channels
Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Official website
salt.bank

Debit cards

Currency conversion fee
0%↗
Free ATM withdrawals
RON 900↗
Card type
Debit↗
Card network
Mastercard↗
Features
Multi-currency
Audience
Business

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Fixed rate deposits paying 5.3% to 5.9% over terms of 3 to 12, so the return is known before the money goes in.
  • Deposits sit under EU DGS up to EUR 100,000, so the balance is covered by the Romanian guarantee scheme.
  • Multi-currency account with a Mastercard debit card, conversion on 0% and RON 900 in free ATM withdrawals.

Cons

  • Accounts serve business customers only, so individual savers cannot open the term deposits.
  • The RON 500 minimum ranks 312 of 379 brands on entry amount, a high starting point for a fixed deposit.
  • Terms stop at 3 to 12 and interest is paid at maturity only, so the money sits for the whole period.
Salt Bank

Ready to try Salt Bank?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Romanian companies holding spare cash in lei, euro or US dollars who want a rate known at the start of the term.
  • Businesses that pay staff and suppliers from a single multi-currency account and use the Mastercard debit card for day to day costs.
  • Firms that want phone, chat and help centre support from the bank that holds the deposit.

Who should look elsewhere

  • Individual savers: Wise pays 3.29% on balances with no fixed end date, while Salt Bank serves business customers only.
  • Anyone wanting a longer lock-in or interest paid along the way, since terms stop at 3 to 12 and interest lands at maturity.
  • Savers starting with a small pot, since the RON 500 minimum is a high entry point for a fixed deposit.

Safety of your money

Salt Bank is supervised in Romania by Banca Nationala a Romaniei, holding licence P.J.R. 40-043. Deposits are covered by EU DGS up to EUR 100,000, and the guarantee sits with Fondul de Garantare a Depozitelor Bancare. The cover is per depositor, so a business spreading cash across accounts should watch the combined balance.

How Salt Bank compares

Where Salt Bank is available

Available
Austria, Belgium, France, Germany, Ireland, Italy, Netherlands, Portugal, Romania, Spain
Licence in Romania
Banca Nationala a Romaniei (P.J.R. 40-043), checked September 26, 2026
Licence in Romania
Fondul de Garantare a Depozitelor Bancare (FGDB), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will Salt Bank pay on my deposit?+

Deposits pay 5.3% to 5.9% at a fixed rate, so the return does not move while the money is in place. The account kind is fixed, and interest is paid at maturity to the current account rather than earlier.

How long do I have to leave the money?+

Terms run 3 to 12 and the model is fixed rate, so the money stays put for the whole period with the rate locked. Interest lands at maturity in the current account, which suits cash that is not needed before the term ends.

Is there a minimum deposit?+

The minimum deposit is RON 500, which ranks 312 of 379 brands on entry amount. That is a high starting point for a fixed deposit, so weigh it against the 5.3% to 5.9% paid over the term.

What does the account itself cost?+

The monthly fee on the business account is RON 0, so holding it open costs nothing. Currency conversion on card spending is 0%, which matters for a company that bills suppliers in more than one currency.

Is the money protected?+

Deposits are covered by EU DGS up to EUR 100,000. Salt Bank S.A. is supervised in Romania by Banca Nationala a Romaniei under licence P.J.R. 40-043, with the guarantee sitting with Fondul de Garantare a Depozitelor Bancare. Cover applies per depositor.

Which currencies can I hold?+

Deposits are offered in lei, euro or US dollars, and the account carries multi currency support for holding and paying in those currencies. Interest is paid at maturity to the current account rather than credited along the way.

Does Salt Bank provide a card?+

The card is a debit card on the mastercard network, and the account includes RON 900 in free ATM withdrawals. Currency conversion on card spending is 0%, so day to day costs in another currency add nothing on top.

How do I reach support?+

Support runs on phone, chat and help centre, so a question can go to phone, chat or the help centre. That suits a business that needs a quick answer on a payment and a longer conversation about a deposit.

Who can open an account?+

Accounts are for business customers, so this is a company account rather than a personal savings product. An individual saver is better served elsewhere: Wise pays 3.29% on balances and bunq pays 3.01%, both without a fixed term.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Salt Bank

Salt Bank

A fixed rate business deposit in Romania with a multi-currency card.

8.9/10See alternatives