Deposit Terms & Minimums:

● Available Terms: 12, 24, 36, 48, and 60 months
● Minimum Deposit Amount: Generally €5,000 (or equivalent), depending on issuing institution
● Maximum Cap: May vary by institution; typically €500,000 per individual

Interest Rates

● Fixed Rates: Locked in at the time of deposit
● Range: Varies by term and institution, often between 1.75% and 3.25%
● Compounding: Offered on select products; standard deposits use simple interest with end-of-term payout

Payment Frequency
Options Available:

● Annual interest payment
● Semi-annual payout
● Lump-sum interest at maturity
● This gives investors flexibility in aligning income needs with cash flow requirements.

Early Withdrawal Permitted?:

Yes, but subject to restrictions

Typical Penalties:

● Partial or full forfeiture of interest
● Minimum lock-in period (often 6 or 12 months)
● Administrative fee

We advise clients only to opt for early redemption when funds are urgently needed. Otherwise, laddering deposits to stagger maturity dates can help maintain liquidity.

Maturity Instructions
Clients can pre-select maturity instructions, such as:

● Reinvesting the full amount into a new term
● Reinvesting only the principal
● Full disbursement to the linked bank account

A reminder notice is sent 30 days before maturity. If no response is received, funds are automatically moved into a non-interest-bearing holding facility, where they remain accessible until reinvestment or withdrawal instructions are confirmed.

Flexibility at Maturity
Holding Facility: Secure & Accessible

If a deposit reaches maturity and no instructions are received, AUTEO Invest ensures that your funds remain protected.

Funds are transferred into a secure holding facility for up to six months, where they are:

● Segregated from market risk
● Fully accessible at your request
● Held without reinvestment to prevent automatic rollover into a new term

While no interest is earned during this holding period, it gives clients time to consider next steps without losing control of their capital. Notifications are sent periodically to remind clients of their available options.