FIDELIS November 2026: Interest Rates Up to 7.75% in Lei and 6.60% in Euro

During the period November 6-13, 2026, the Ministry of Finance launches FIDELIS XI 2026, the eleventh edition of this year's program. The new offer maintains the interest rates from October, with non-taxable yields of up to 7.75% in lei and 6.60% in euro. The securities are listed on the Bucharest Stock Exchange, allowing investors to sell them before maturity at the market price. Interest and capital gains obtained from FIDELIS government securities are non-taxable and do not count towards CASS. Who can invest? The FIDELIS program is aimed at resident and non-resident individuals who have reached the age of 18. Subscriptions can be made through BT Capital Partners, Salt Bank & Banca Transilvania, Banca Comercială Română, BRD – Groupe Société Générale, UniCredit Bank, and TradeVille, in partnership with Libra Bank. Interest rates offered in November 2026 The interest rate structure for the FIDELIS edition of November 2026 is as follows: Currency: lei Maturity Annual interest 2 years 6.60% 2 years (blood donors) 7.60% 4 years 7.15% 10 years 7.75% Currency: euro Maturity Annual interest 3 years 4.50% 3 years (blood donors) 5.50% 10 years 6.60% Minimum investment Lei, standard tranches: 5,000 lei; Lei, tranche for blood donors: 500 lei; Euro, standard tranches: 1,000 euro; Euro, tranche for blood donors: 100 euro. The nominal value of a FIDELIS government security is 100 lei for lei issues and 100 euro for euro issues. Two special tranches for blood donors Through the campaign "Romania has rocker's blood", conducted by the Ministry of Finance in partnership with "Morning Glory with Răzvan Exarhu" and Rock FM, the November edition maintains two special tranches for blood donors, one in lei and one in euro. The lei tranche has a maturity of 2 years and offers an annual interest of 7.60%. The minimum subscription threshold is 500 lei, and the maximum ceiling is 100,000 lei; The euro tranche has a maturity of 3 years and offers an annual interest of 5.50%. The minimum subscription threshold is 100 euro, and the maximum ceiling is 20,000 euro. For both tranches, the interest is one percentage point higher than that offered by standard issues with the same maturity. Eligible are those who prove blood donation starting from June 1, 2026. The preferential ceilings of the tranches for donors do not cumulate with subscriptions made in previous editions. Benefits of FIDELIS government securities Non-taxable interest for individuals; Capital gains are non-taxable and do not count towards CASS; Listing on the Bucharest Stock Exchange, with the possibility of selling before maturity; The possibility to invest in both lei and euro; Fixed interest rates until maturity; Flexibility in managing and diversifying the portfolio; Safety, with payment obligations assumed by the Romanian state. In case of sale before maturity, the investor receives the price formed on the stock exchange, which also reflects the accumulated interest. However, the price of the securities may be higher or lower than the nominal value, depending on the evolution of interest rates and market conditions. What has changed compared to the October edition? Compared to the FIDELIS edition of October 2026, interest rates and maturities remain unchanged. The Ministry of Finance thus maintains the increased levels introduced last month. The standard interest rate in lei for 2 years remains at 6.60%; The tranche for blood donors in lei remains at 7.60%; The interest rate in lei for 4 years remains at 7.15%; The interest rate in lei for 10 years remains at 7.75%; The standard interest rate in euro for 3 years remains at 4.50%; The tranche for blood donors in euro remains at 5.50%; The interest rate in euro for 10 years remains at 6.60%. The main change is the eligibility period for blood donors. In the October edition, donations made starting from May 1, 2026, were accepted, and for the November edition, donations made starting from June 1, 2026 are eligible. For those who did not subscribe in October, the November edition offers practically the same conditions. The securities issued in previous editions remain available on the secondary market of the Bucharest Stock Exchange, at market-formed prices. Conclusion - FIDELIS November 2026 The FIDELIS edition of November 2026 maintains the attractive interest rates introduced in October, with yields of up to 7.75% per year in lei and 6.60% per year in euro. Blood donors continue to benefit from two preferential tranches, with higher interest rates and reduced minimum subscription thresholds. With non-taxable income, the possibility of trading on the stock exchange, and the offer in both lei and euro, FIDELIS government securities remain an important option for investors seeking fixed income over the medium and long term. The photo in the article can be used only with source attribution, with an active link to this site.