According to data from the NBM, within the structure of bank deposits, citizens continue to prefer the national currency: the share of term deposits in lei consistently leads the way. Public behavior is shaped by medium-term consumer sentiment. People try to protect their available funds by placing them in term accounts.
Some citizens are building up savings in the national currency amid the relative stability of the leu exchange rate. Interest rates on leu deposits remain higher than those on foreign currency deposits, although the real return for individuals is low.
In July 2026, the total volume of deposits attracted by banks amounted to 30.7 billion lei, with 71.6% of these coming from businesses² and 28.4% from individuals.
In July, the weighted average interest rate on new retail lei-denominated deposits was 5.57% per annum, confirming a slight decline in yields compared to spring figures. The NBM reports an average deposit rate of 5.86% per annum for term deposits from individuals and 5.08% for those from businesses.
The most significant decline in rates affected short-term deposits, while commercial banks are trying to keep long-term programs at a stable level to maintain lei liquidity.
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