Savings & investment

The term account

Take advantage of a capital-guaranteed, no-cost investment to help your surplus cash grow. At maturity, you'll get your capital back, plus interest. The fixed rate of return is guaranteed for a period determined at the time of subscription.

Suppresion des notes de frais


Opening and management 100% online

Open and manage your term accounts from your customer interface. You define the amount of the initial deposit and the term of your investment when you subscribe. The term account is opened within 24 to 48 business hours.

Free of charge

The advantages of the term account

Benefit from an attractive fixed rate of interest. The minimum deposit is €10,000. You can choose between different terms (3, 6, 9, 12, 18 or 24 months). No opening, management or closing fees. Only the interest(1) is subject to tax.

Guaranteed capital

A secure investment that's always available

The capital is guaranteed and your funds remain accessible at all times(2). You can withdraw them before the end of your contract with at least 32 days' notice and still receive part of the interest. In the event of withdrawal before maturity, the interest rate paid is subject to a penalty(3) applicable according to the date of early withdrawal.

Why choose

Simplicity of 100% online management
Everything is done online, with just a few clicks to create your term account application.
Attractive remuneration
Fixed interest rates, generally higher than those for regulated passbook savings accounts.
Contractual flexibility
An investment horizon tailored to your needs, with terms ranging from 3 to 24 months.
A safe investment*.
With no risk of capital loss, the funds invested are safe and accessible at any time with 32 days' notice.
*To the extent that amounts are owed by Banque Wormser Frères, investors are exposed to a credit risk on Banque Wormser Frères.

Take advantage of our term accounts today

Make your cash grow with a secure investment at attractive rates.

You need to open a business bank account to access this product.

Frequently asked questions

What is a business term account (BTA)?

A professional term account (CAT) is a savings product offered by banks and financial institutions to companies. It works in the same way as a traditional CAT, i.e. it allows the company to invest a sum of money for a fixed period, in exchange for remuneration at a predetermined rate of interest.

How does this investment work?

The operation of a business term account is simple. The company makes a one-off payment into the account, the amount of which is freely agreed between the company and the bank. The term of the investment is also freely determined, but is generally between 1 month and 5 years.

In return for this payment, the company receives interest at a predetermined rate. This rate is set by the bank and is generally higher than the interest rate on current accounts or traditional savings books.

Interest is calculated on the basis of the capital paid in and the term of the investment. It is paid on maturity of the contract, i.e. at the end of the investment term.

Funds placed in a business term account are frozen for the entire term of the investment. However, you can request repayment before maturity at any time: you must give at least 32 days' notice of this request for early repayment, and the interest rate paid will be subject to a penalty that varies depending on the date of withdrawal, in accordance with the conditions set out in your contract at the time of subscription.

What rates are applied to term accounts?

The rates on a term deposit account vary depending on the investment period and the amount of the deposit.

It is important to note that the rates offered on our site may change at any time. When you open your term account, this rate is fixed and applies for the duration of the contract.

Is there a minimum payment?

The minimum deposit for a term account is €10,000.

Is there a risk associated with this savings product?

Your capital is guaranteed at all times, making the Single Rate Term Account a secure savings product.

NB: Insofar as sums are owed by Banque Wormser Frères, investors are exposed to a credit risk on Banque Wormser Frères. The sums in this account are eligible for the Fonds de Garantie des Dépôts et de Résolution (Deposit and Resolution Guarantee Fund) up to a limit of 100,000 euros per customer.

(1) Interest is not capitalised and will be paid at the end of the investment or on early redemption.

(2) Any withdrawal before maturity will result in the Term Deposit being withdrawn in its entirety and closed.

(3) The applicable penalties are specified in the subscription offer.