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Step-by-step savings

Step-by-step savings is a type of time-deposit savings in KM and EUR currencies with a minimum deposit of 500,00 KM or 250,00 EUR, agreed for the period of 5 years.

This type of time-deposit savings is intended for those clients who wish to save, while at the same time they want their interest rate to increase every year through the duration of time-deposit.

Deposit terms

Deposit amount (KM & EUR)

NIR

EIR*

12 months

All amount

0,10%

0,10%

24 months

All amount

0,30%

0,30%

36 months

All amount

0,60%

0,60%

48 months

All amount

0,80%

0,80%

60 months

All amount

1,00%

1,00%

* Effective interest rate is equal to the nominal interest rate.

How to agree on step-by-step savings?

A natural person deposits funds on the basis of a signed Agreement on step-by-step savings in KM and/or EUR currencies. 

In order to open a savings account you need a copy of a valid ID document and a copy of a residence certificate (CIPS).


For more information contact us:

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