FIDELIS December 2025 - Tax-Free Interest Rates Up to 7.55%

Between December 5 and 12, 2025, the last edition of this year's FIDELIS government bond program takes place, the eleventh issuance conducted by the Ministry of Finance. This round offers tax-free interest rates of up to 7.55% for bonds in lei and up to 6.20% for those in euros. The bonds are listed on the Bucharest Stock Exchange and can be subscribed through partner banks. Who can invest? The program is open to resident and non-resident individuals over the age of 18, through partner banks: BT Capital Partners & Banca Transilvania, BCR, BRD - Groupe Société Générale, UniCredit Bank, and TradeVille (in partnership with Libra Bank). Offered interest rates Here are the announced interest rates for the December 2025 FIDELIS edition: Currency: lei Maturity Annual interest 2 years 6.55% 2 years (blood donors) - max. 100,000 lei 7.55% 4 years 7.10% 6 years 7.50% Currency: euro Maturity Annual interest 3 years 3.75% 5 years 4.75% 10 years 6.20% Minimum investment Lei (standard): 5,000 lei Lei (blood donors): 500 lei Euro: 1,000 euro Facilities for blood donors As in previous editions, blood donors benefit from a special tranche in lei, with an interest rate of 7.55% and a maturity of 2 years. They can subscribe up to 100,000 lei in the dedicated tranche, and for additional amounts, they can use the standard tranches. Donations made starting from June 1, 2025 are eligible. Benefits of FIDELIS government bonds Tax-free interest, both for lei and euros; Possibility to sell the bonds before maturity on the Bucharest Stock Exchange; Diversification of the portfolio with maturities between 2 and 10 years; Flexibility in managing investments; Accessible nominal value: 100 lei / 100 euro per bond. Context and comparison Each FIDELIS edition of 2025 has attracted increased interest from investors, and this final round maintains competitive interest rates, even if slightly adjusted compared to the summer and autumn editions. The interest rates in euros remain among the most attractive on the market, and the tranche for donors continues to offer a preferential yield. Conclusion for the December 2025 FIDELIS edition FIDELIS December 2025 concludes the year with a solid offer of government bonds, combining safety, yield, and tax exemption. It remains an excellent alternative to bank deposits, especially for those seeking stable investments and potential liquidity through stock market sales. Article photo: Bison in winter, in Neamt County - The photo can be used only with source attribution, with an active link to this site