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Step by step savings

Interest rate increases every year within the term deposit duration.

Advantages

Term deposit in currency KM and EUR

Minimum deposit of 500,00 KM or 250,00 EUR is concluded to period of 5 years.

You save with increasing interest rate

Interest rate increases every year within the term deposit duration.

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Step-by-step savings

Step-by-step savings is the type of term deposit in currency KM 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.


Overview of variable/fixed interest rates for step-by-step savings in KM:

Term of depositAmountNIR %EIR %
12 monthsAll amounts0,10 %0,10%
24 monthsAll amounts0,30 %0,30%
36 monthsAll amounts0,60 %0,60%
48 monthsAll amounts0,80 %0,80%
60 monthsAll amounts1,00 %1,00%

* EIR – Effective interest rate amounts to 0,53% and represents the average value of presented nominal interest rates and is as such lower than the highest nominal interest rate for the step-by-step savings.


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

Term of depositAmountNIR %EIR %
12 monthsAll amounts0,10 %0,10%
24 monthsAll amounts0,30 %0,30%
36 monthsAll amounts0,60 %0,60%
48 monthsAll amounts0,80 %0,80%
60 monthsAll amounts1,00 %1,00%

* EIR – Effective interest rate amounts to 0,53% and represents the average value of presented nominal interest rates and is as such lower than the highest nominal interest rate for the step-by-step savings.

Necessary documentation

    • To open the savings account, you will need the valid identification document and copy of certificate on place of residence (CIPS).

All additional information about step-by-step savings can be gained at: