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Children's Savings Crispy

It is intended for the youngest savers

Benefits of children's savings Crispy

Children's savings Crispy

Intended for the youngest savers of Intesa Sanpaolo Banka

Different currencies

The possibility of choosing a currency for savings.

Generalpurpose term deposit with premium

Long-term term deposit for underage natural entities younger than 18

Children’s savings Crispy

Crispy children’s savings is intended for the youngest depositors of Intesa Sanpaolo Banka, which gives You, the parents, the possibility to put aside in time the money for the future of your children.

Beside the possibility to save money which your child will need for education, excursion, car purchase when he/she becomes adult or to meet other plans and wishes, by saving in our Bank, You help Your child to learn to save from the earliest age and to responsibly handle the money.

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Intesa Sanpaolo Banka offers two models of savings for the youngest savers:
  • A'vista savings account – children’s savings in currency BAM and EUR
  • General-purpose term deposit with premium – children’s savings in currency BAM and EUR

A'vista savings account – children’s savings in currency BAM and EUR

A'vista savings account – children’s savings is the type of savings without set deadline and with always available funds for the underage natural persons younger than 18 years of age. 

  • Minimum amount on children’s savings account amounts to 10,00 BAM or 5,00 EUR.
  • The Bank accrues the interest in the currency BAM and EUR and adds it to funds on the savings children’s account at the end of calendar year.

Applied as of 07.06.2021.


Fixed interest rate in currency KM and EUR

Children’s saving deposits

Deposit currency BAM and EUR

Saving sight deposits
Children’s savings Crispy

Nominal interest rate

(NIR)

Effective interest rate

(EIR)*

 

0,20%

0,20%

* EIR – Effective interest rate is equal to nominal interest rate.

Deposit agreements are made without a currency clause.

General-purpose term deposit with premium – children’s savings in currency BAM and EUR

General-purpose term deposit with premium – children’s savings is type of long-term savings for underage natural persons younger than 18 years, whereby, with regular monthly payments, they are entitled to premium which is accrued to interest per deposit.

  • Minimum amount of monthly payment is 10,00 BAM or 5,00 EUR.

Beside the regular interest, the Bank also accrues the premium. The premium is accrued upon expiry of term deposit to the amount of totally accrued interest. Premium rate is fixed, it is accrued upon expiry of term deposit to the amount of accrued interest, and it depends upon term deposit deadline.

Promotional offer of non-purpose term deposits with a premium - children's savings in KM and EUR with a fixed interest rate

Term of deposit

Amount 

Nominal interest rate

(NIR)

Effective interest rate 

(EIR)*

Premium %

13 months

All amounts

0,30%

0,32%

6,00%

24 months

All amounts

0,30%

0,32%

7,00%

36 months

All amounts

0,50%

0,54%

8,00%

48 months

All amounts

0,50%

0,54%

8,20%

60 months

All amounts

1,00%

1,08%

8,50%

72 months

All amounts

1,00%

1,08%

8,60%

84 months

All amounts

1,00%

1,09%

8,80%

96 months

All amounts

1,00%

1,09%

9,00%

*The amount of the nominal interest rate and the amount of the associated premium are included in the calculation of the Effective Interest Rate (EIR).

The effective interest rate is calculated on the example of premium payments of 100.00 BAM per month.

Deposit agreements are made without a currency clause.

Promotional offer is valid until September 30, 2024.


Variable/Fixed interest rate in BAM and EUR

Term of deposit

Amount 

Nominal interest rate

(NIR)

Effective interest rate 

(EIR)*

Premium %

13 months

All amounts

0,20%

0,20%

6,00%

24 months

All amounts

0,30%

0,33%

7,00%

36 months

All amounts

0,40%

0,43%

8,00%

48 months

All amounts

0,60%

0,65%

8,20%

60 months

All amounts

0,70%

0,75%

8,50%

72 months

All amounts

0,80%

0,87%

8,60%

84 months

All amounts

0,90%

0,97%

8,80%

96 months

All amounts

1,00%

1,09%

9,00%

* The amount of the nominal interest rate and the amount of the associated premium are included in the calculation of the Effective Interest Rate (EIR).

Effective interest rate (EKS) calculated on the amount of 10 BAM deposit.

 

How to open account?

How to open account?

  • One of parents (legal representative) or custodian opens on behalf of the underage person the children’s savings account based on signing the Agreement on children’s savings in the currency BAM and/or EUR.
Which documentation is necessary?

Which documentation is necessary?

For legal representative (one of parents)

  • Valid identification document
  • Copy of Certificate on place of residence (CIPS)

For custodian

  • Decision of Social Welfare Center on appointing custodian
  • Valid identification document
  • Copy of certificate on place of residence (CIPS)

For underage child

  • Birth certificate or copy of valid identification document
  • Copy of certificate on place of residence (CIPS)
For more information, please contact

For more information, please contact