Transferable deposits

Overnight deposits to be directly transferred on demand for making payments using payment instruments (e.g. credit transfer or direct debit), probably also using a card, e-money and cheques, without any material penalty or restriction.
Deposits that could be used for withdrawing cash and deposits wherefrom the funds can be withdrawn or transferred only via another account of the same customer are not included under the category of transferable deposits.
The definition of the concept is consistent with Regulation (EU) No 549/2013 of the European Parliament and of the Council of 21 May 2013 on the European system of national and regional accounts in the European Union.