ET Money review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ET Money pays a 6.41% to 7.75% fixed rate for 12 to 60 on deposits opened in India, which suits savers with a lump sum they can leave in place. The INR 25,000 minimum deposit and the opening lock-in rule out smaller balances and anyone who may need the money early.
Key facts
- Best for
- Indian savers with a lump sum who can lock it away for the full term.
- Headline rate
- 6.41% to 7.75%↗
- Rate type
- Fixed↗
- Term
- 12 to 60 months↗
- Minimum deposit
- ₹25,000↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Lock-in 3 months; no withdrawal up to 3 months from deposit; after 6 months premature withdrawal pays interest 2% lower than the booked rate↗
- Monthly fee
- ₹0↗
- Account kind
- Fixed↗
- Legal entity
- Money International↗
- Headquarters
- Belgium↗
- Support channels
- Email, Help-centre, Community↗
- Pricing model
- Fixed rate
- Official website
- etmoney.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- LinkedInXyoutube.com
Pros and cons
Pros
- Headline rates of 6.41% to 7.75% sit above the site median of 3%
- Opening costs nothing, since the monthly fee is INR 0
- Deposits carry EU protection of EU DGS up to EUR 100,000 through Money International
- Terms of 12 to 60 let savers choose how long to commit
Cons
- The minimum deposit of INR 25,000 ranks 324 of 370 on entry size
- The 12 to 60 term is committed, and a premature withdrawal after the lock-in pays interest below the booked rate
- Support runs on email, help centre and community only, with no phone line
Who it suits
- Indian savers holding a lump sum of INR 25,000 or more
- Anyone happy to leave the deposit untouched for the full term
- Readers who value EU protection of EU DGS up to EUR 100,000 on their savings
Who should look elsewhere
- Readers with a small starting balance, under INR 25,000
- Anyone who may need the deposit broken early without losing interest
- AXI Card Tarjeta y Credito and Plazo ES, whose headline rates of 21.59% and 24.19% are built around credit rather than savings
How ET Money compares
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Where ET Money is available
- Available
- Belgium, India
- Licence in India
- SEBI (INA100006898), checked September 26, 2026
- Licence in Belgium
- BE_NBB (PSD_PI BE_NBB!0475445104), checked September 26, 2026, also valid in Belgium
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does ET Money pay on a fixed deposit?+
The fixed rate runs 6.41% to 7.75% depending on the term you choose, and the rate stays fixed for the whole period. Opening the deposit carries no charge, since the monthly fee is INR 0, so the interest is what you booked.
How much do I need to open one?+
The minimum deposit is INR 25,000, the main barrier for small savers and well above the €21.14 mark most brands sit under. On entry size this ranks 324 of 370 brands tracked here.
Can I withdraw before the term ends?+
A lock-in applies once the deposit opens, so nothing can be taken out during the early months. After that, a premature withdrawal pays interest below the rate that was booked, which means staying to the end of the term pays more.
Is my deposit protected?+
Deposits sit with Money International and carry EU DGS up to EUR 100,000 under the EU scheme. The same operation is registered with the Belgian regulator as PSD_PI BE_NBB!0475445104 and is listed with SEBI in India as well, so two registrations stand behind the account.
How long are the terms?+
Terms run 12 to 60, so a shorter deposit is possible or you can commit for longer. The rate is fixed across that range, which means the return is set when the deposit opens and does not move with the market afterwards.
Who is behind the account?+
The legal entity behind the account is Money International, headquartered in Belgium, and it is registered there as PSD_PI BE_NBB!0475445104. The same operation is listed with SEBI in India under INA100006898, which is where the deposits are sold.
What support can I get?+
Support runs on email, help centre and community. A help centre and a community sit alongside email, so questions can be raised in writing, and a phone line is not one of the routes offered.
What kind of account is it?+
It is a fixed account with a fixed rate, built for a lump sum left in place rather than money you need on demand. The minimum deposit of INR 25,000 sets the size of that lump sum.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
“EntityCode=BE_NBB!0475445104; EntityType=PSD_PI; ENT_NAM=Money International”
- etmoney.com/fixed-deposit checked September 26, 2026
Backs: Account kind, Pricing model, Rate type
“A fixed or term deposit is a one-time lump sum option offering a guaranteed return on your investment ... it has a fixed tenure”
- etmoney.com/fixed-deposit/bajaj-finance-ltd-fd-rates/1 checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Term
“Up to 3 (three) months from date of Deposit: Withdrawal of the Deposit is not permitted”
- etmoney.com/help checked September 26, 2026
Backs: Support channels
“Email Id - help@etmoneycare.com; Help & Support; Telegram https://t.me/etmoneyapp”
- etmoney.com/help/fixed-deposit/account/is-there-any-charg... checked September 26, 2026
Backs: Monthly fee
“No, there are no charges of opening an FD.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.