alt=”Children’s savings” title=”Children’s savings”/>

Children’s savings

Intended for the youngest depositors.

Advantages

CRISPY children’s savings

Intended for the youngest depositors of Intesa Sanpaolo Banka.

A’vista savings account

Savings without set deadline and with funds always available.

General-purpose term deposit with premium

Long-term term deposit for underage natural entities younger than 18 years of age

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Children’s savings

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.

Intesa Sanpaolo Banka offers two models of savings for the youngest depositors:

  • A’vista savings account – children’s savings in currency KM and EUR.
  • General-purpose term deposit with premium – children’s savings in currency KM and EUR.

A’vista savings account – children’s savings in currency KM 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 KM or 5,00 EUR.

The Bank accrues the interest in the currency KM and EUR and adds it to funds on the savings children’s account at the end of calendar year.


Fixed interest rate in currency KM and EUR

 CHILDREN’S SAVING DEPOSITS 
Deposit currency KM and EUR
Saving sight deposits
“CRISPY” children’s savings
NIR %EIR %*
0,20 %0,20 %

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


General-purpose term deposit with premium – children’s savings in currency KM 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 KM 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.


Variable/Fixed interest rate in currency KM

Term of depositAmountNIR %EIR %*Premium %
13 monthsAll amounts0,30 %0,32 %6,00 %
24 monthsAll amounts0,50 %0,53 %7,00 %
36 monthsAll amounts0,70 %0,76 %8,00 %
48 monthsAll amounts0,90 %0,97 %8,20 %
60 monthsAll amounts1,10 %1,19 %8,50 %
72 monthsAll amounts1,20 %1,30 %8,60 %
84 monthsAll amounts1,30 %1,41 %8,80 %
96 monthsAll amounts1,40 %1,52 %9,00 %

* Amount of nominal interest rate and amount of accrued premium is included in the calculation of the effective interest rate (EIR)


Variable/Fixed interest rate in currency KM

Term of depositAmountNIR %EIR %*Premium %
13 monthsAll amounts0,30 %0,32 %6,00 %
24 monthsAll amounts0,50 %0,53 %7,00 %
36 monthsAll amounts0,70 %0,76 %8,00 %
48 monthsAll amounts0,90 %0,97 %8,20 %
60 monthsAll amounts1,10 %1,19 %8,50 %
72 monthsAll amounts1,20 %1,30 %8,60 %
84 monthsAll amounts1,30 %1,41 %8,80 %
96 monthsAll amounts1,40 %1,52 %9,00 %

* Amount of nominal interest rate and amount of accrued premium is included in the calculation of the effective interest rate (EIR).

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 KM and/or EUR.

  • Which documentation is necessary for opening the children’s account?
  • 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: