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Step by step savings

Interest rate increases every year within the term deposit duration

Advantages of Step by step savings

Term deposit in BAM and EUR currency

Minimum deposit of 500 BAM or 250 EUR is concluded to period of 5 year

Step by step savings

Step-by-step savings is the type of term deposit in currency BAM and EUR which concluded with minimum deposit of 500,00 KM or 250,00 EUR to the period of 5 years.
This type of step-by-step savings is intended for clients who want to save but at the same time they want the interest rate to increase every year within the term deposit duration.

Applied as of 07.06.2021.


Overview of variable/fixed interest rates for step-by-step savings in BAM and EUR

Term of deposit

Amount

Nominal interest rate (NIR)

Effective interest rate (EIR)*

12 months

All amount

0,10%

0,10%

24 months

All amount

0,20%

0,20%

36 months

All amount

0,30%

0,30%

48 months

All amount

0,40%

0,40%

60 months

All amount

0,50%

0,50%

* EIR – The effective interest rate is 0.30% and represents the average value of the specified nominal interest rates and as such is lower than the highest nominal interest rate for graduated savings.

 

For more information, please contact

For more information, please contact