Savings with a limit is demand savings where there is a condition that you have a certain amount of money in the account at all times in order for the interest to be calculated according to the interest rate defined for that product. Otherwise, if you do not meet this condition, the interest will be calculated at a lower interest rate. This requirement must be met for each accounting month, and you can open an account either in dinars or in euros.
Product description
- Account type: Demand savings
- Currency in which savings are made: Dinar or Euro
- Minimum amount of savings: 1,000 dinars or 10 euros
- Maximum amount of savings: 2,500,000 dinars or 200,000 euros
- Interest calculation and accrual period: once a month, at the end of the month.
- Minimum amount of deposit for interest calculation at a higher rate: 20,000 dinars or 2,000 euros
- Adjustment of the interest rate: The interest is adjusted twice a year, every 30.06 and 01.12. In the periods between those two dates, the interest rate is fixed. Clients are notified at least 15 days before the adjustment date about the conditions that will be valid for the next period.
- Account authorization: it is possible to authorize other persons on the account who can deposit and withdraw money from the account
| Type of deposit | Sight deposits | Sight deposits |
| Period (for example purposes) | 12 months | 12 months |
| Deposit currency | RSD | EUR |
| The amount that is initially deposited | 1,000,000 | 10,000 |
| The amount that the client pays additionally per month | 50,000 | 500 |
| NIR (annually) fixed | 2.50% | 1.50% |
| EIR (on an annual basis) | 2.50% | 1.275% |
| Indexing criteria | Does not have | Does not have |
| Tax in percentage amount | 0.00% | 5.00% |
| Tax in absolute amount | 0.00 | 0.00 |
| Total savings after the end of the savings period with accrued interest | 1,634.266,48 | 16.116,53 |
