Bank deposit is the amount of money deposited into an account of a credit institution in order to obtain interest income generated in the course of the financial operations of the deposit. The Labuan Offshore Banking that has accepted the funds by the depositor shall repay the amount of the deposit plus interest in the manner provided for by the contract.

The condition of the agreement on the refusal of a citizen the right to receive deposits upon demand is negligible. Typically, the investor has the opportunity to dispose of the interest accrued either withdraw them after a period of interest payment specified in the contract. Alternatively, they can attach them to the total amount of the contribution, thus increasing the amount of the deposit on which interest is calculated.

Deposit insurance protects depositors funds in the event that the bank becomes insolvent. Payments are made via special facilities set up by the banks or the state.