Savings with which you get both interest and premium

Active savings

  • Place funds in term deposits by NetBanking or mBanking and save time
  • We offer attractive savings interest rates, in the currency of your choice (RSD, EUR, USD)
  • Deposit additional funds with the same date of maturity, at a teller desk, by NetBanking or mBanking
  • If you are a resident of the Republic of Serbia, you have the possibility of automatic rollover of term deposits At a teller desk, by NetBanking or mBanking
Key numbers

Term deposit maturity up to

60 months

Interest premium

up to 11%

Interest rate up to

2.20% on RSD savings

Create your own savings plan!

  • Deposit your funds in a term deposit in RSD, EUR, USD
  • Choose a maturity which suits you best, from 6.01 to 60 months
  • There is no minimum deposit requirement at our Bank
  • Save at attractive interest rates of up to as much as 2.20% on RSD savings
  • Receive interest premium up to 11% (the premium depends on term deposit maturity and is included in the calculation of effective interest rate)
  • Apply for a term deposit or depositing additional funds in the term deposit by NetBanking or mBanking
  • When entering into a term deposit agreement, you can opt for automatic term deposit rollover (for residents only)
  • Additional funds can be deposited according to a schedule that suits you best (payments are made by the owner or the authorised person)

EIR calculated as of 01 August 2020

Criteria for indexing: indexing is not provided for.

The above-mentioned examples are of informative nature

Tax liability: 0%

Charges borne by consumer and included in EIR calculation: free of charge.

As of the date of interest calculation, in accordance with the Law on Income Tax, there is no obligation of the consumer to pay the tax to income based on capital - interest based on RSD deposit.

The interest premium is included in the effective interest rate calculation and tax is calculated on it.

Interest calculation method: conform

The Bank participates in the system of obligatory deposit insurance set up in the Republic of Serbia.

EIR calculated as of 01 August 2020 (lower than the agreed interest rate, because the calculation includes the tax to interest based on FX deposit at the rate of 15%)

Criteria for indexing: indexing is not provided for.

The above-mentioned examples are of informative nature

Tax liability: 15%

Charges borne by consumer and included in EIR calculation:tax to interest based on FX deposit at the rate of 15%

In accordance with the Law on Income Tax, client is the taxpayer of the withholding tax to generated income of regular interest to FX deposit at the rate of 15% which the bank is, as the income payer, bound to withhold and pay to to the account of tax authority.

The interest premium is included in the effective interest rate calculation and tax is calculated on it.

Interest calculation method: conform

The Bank participates in the system of obligatory deposit insurance set up in the Republic of Serbia.

EIR calculated as of 01 August 2020 (lower than the agreed interest rate, because the calculation includes the tax to interest based on FX deposit at the rate of 15%)

Criteria for indexing: indexing is not provided for.

The above-mentioned examples are of informative nature

Tax liability: 15%

Charges borne by consumer and included in EIR calculation:tax to interest based on FX deposit at the rate of 15%

In accordance with the Law on Income Tax, client is the taxpayer of the withholding tax to generated income of regular interest to FX deposit at the rate of 15% which the bank is, as the income payer, bound to withhold and pay to to the account of tax authority.

The interest premium is included in the effective interest rate calculation and tax is calculated on it.

Interest calculation method: conform

The Bank participates in the system of obligatory deposit insurance set up in the Republic of Serbia.

  1. In case of automatic term deposit rollover, the amount of interest is added to the principle and total funds are rolled over
  2. Without an automatic term deposit rollover, the principal and interest are transferred to a demand savings account
  3. In case of early closing of a savings deposit, you will receive the principal and the amount of calculated interest based on the interest rate on demand savings deposits.
  4. Tax on interest income is not calculated on RSD savings (for EUR and USD term deposits, it is calculated in accordance with the legal regulations and currently amounts 15%)
The amount of deposit insured by the bank with the Deposit Insurance Agency is EUR 50,000, based on the Law on Deposit Insurance Deposit Insurance Agency
For more information on active savings, please visit us at our closest branch Book an appointment

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