FIDELIS January 2026: Interest rates up to 7.50% on government bonds in lei and euro

During the period January 16-23, 2026 (on the last day, subscriptions can be made until 1:00 PM), the first edition of this year's FIDELIS government securities program, conducted by the Ministry of Finance, takes place. Investors have a new opportunity to invest in financial instruments with attractive interest rates in lei and euro, listed on the Bucharest Stock Exchange. The income obtained from these government securities is tax-free, providing an additional advantage for optimizing returns, under low-risk conditions. Who can invest? The FIDELIS program is intended for resident and non-resident individuals, over the age of 18. Subscriptions can be made 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 The announced interest rates for the January 2026 FIDELIS edition are as follows: Currency: lei Maturity Annual interest 2 years 6.45% 2 years (blood donors) 7.45% 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 tranches): 5,000 lei Lei (blood donor tranche): 500 lei Euro: 1,000 euro The nominal value of a security is 100 lei for issues in lei and 100 euro for issues in euro. Facilities for blood donors In the January 2026 FIDELIS edition, blood donors benefit from a special tranche in lei, with an annual interest rate of 7.45% and a maturity of 2 years. The minimum subscription is 500 lei, and the maximum subscription limit is 100,000 lei for this tranche. Blood donor certificates, donor cards, or any other document that certifies donor status, with a validity period between August 1, 2025, and January 23, 2026, are eligible according to the conditions set by the Ministry of Finance. Benefits of FIDELIS government securities Tax-free interest for individuals; Listing on the Bucharest Stock Exchange, with the possibility of selling before maturity; Diversification over maturities between 2 and 10 years; High accessibility, through the reduced nominal value; Safety, as the securities are guaranteed by the Romanian state. Context and comparison The first FIDELIS edition of 2026 continues the line of attractive interest rates from the end of last year, maintaining investor interest in low-risk instruments. The tranches in lei remain competitive compared to bank deposits, while those in euro are above the levels offered by most commercial banks. Conclusion for the January 2026 FIDELIS edition FIDELIS January 2026 opens the year with a solid offer of government securities, combining attractive returns, tax exemption, and flexibility. For prudent investors, the program remains one of the most efficient and secure investment options available on the Romanian market. Article photo: Sălaș hamlet - the photo can be used only with source attribution, with an active link to this site.