Fixed-term savings when you know what you are saving for
Special Offer for Term Deposits in Euros, U.S. Dollars, and Serbian Dinars
Interest rate:
• EUR/USD: NIR up to 3,95%, EIR up to 3,36%
• RSD: NIR = EIR up to 5,5%
This offer is valid from 18 August 2026 to 30 September 2026.
When You Know What You’re Saving For, You Choose a Term Deposit
You’re saving for a new home, a trip, your children’s education, a worry-free retirement, or a long-awaited dream, and you’re determined to make it happen.
• Savings deposits are available in euros (EUR), US dollars (USD), and Serbian dinars (RSD).
• Interest is paid upon maturity of the term deposit.
Special Offer for New Deposits and Increases of Existing Deposits by a Minimum of 50%
The offer applies to term deposits in:
• EUR for 3, 6, 9, and 12 months
• USD for 3, 6, and 12 months
• RSD for 3, 6, 9, and 12 months
EUR/USD Term Deposits
• Interest rate for EUR/USD term deposits: nominal annual interest rate (NIR) up to 3,80%, effective annual interest rate (EIR) up to 3,23%, depending on the selected term. The offer applies to amounts up to 49.999 EUR/USD.
• Interest rate for EUR/USD term deposits: NIR up to 3,85%, EIR up to 3,27%, depending on the selected term. The offer applies to amounts from 50.000 to 199.999 EUR/USD.
• Interest rate for EUR/USD term deposits: NIR up to 3,95%, EIR up to 3,36%, depending on the selected term. The offer applies to amounts of 200.000 EUR/USD and above.
RSD Term Deposits
• Interest rate for RSD term deposits: NIR = EIR up to 5,40%, depending on the selected term. The offer applies to amounts up to 4.999.999 RSD.
• Interest rate for RSD term deposits: NIR = EIR up to 5,45%, depending on the selected term. The offer applies to amounts from 5.000.000 to 9.999.999 RSD.
• Interest rate for RSD term deposits: NIR = EIR up to 5,50%, depending on the selected term. The offer applies to amounts of 10.000.000 RSD and above.
Take Advantage of This Excellent Opportunity to Earn More on Your Savings
This special offer with preferential interest rates for term deposits is valid from 18 August 2026 until 30 September 2026.
We’re here for you and happy to answer any questions regarding savings deposits.
Representative example - EUR
| Term of depositing in months | 3 |
| Deposit Amount in EUR | 10.000,00 |
| Annual NIR | 3,15% |
| EIR | 2,67% |
| Interest Amount | 78,48 |
| Tax liability (15%) | 11,77 |
| Total amount to be paid | 10.066,71 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in EUR | 10.000,00 |
| Annual NIR | 3,65% |
| EIR | 3,10% |
| Interest Amount | 182,36 |
| Tax liability (15%) | 27,35 |
| Total amount to be paid | 10.155,01 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 9 |
| Deposit Amount in EUR | 10.000,00 |
| Annual NIR | 3,70% |
| EIR | 3,14% |
| Interest Amount | 275,47 |
| Tax liability (15%) | 41,32 |
| Total amount to be paid | 10.234,15 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in EUR | 10.000,00 |
| Annual NIR | 3,80% |
| EIR | 3,23% |
| Interest Amount | 380,00 |
| Tax liability (15%) | 57,00 |
| Total amount to be paid | 10.323,00 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 3 |
| Deposit Amount in EUR | 50.000,00 |
| Annual NIR | 3,20% |
| EIR | 2,72% |
| Interest Amount | 398,55 |
| Tax liability (15%) | 59,78 |
| Total amount to be paid | 50.338,77 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in EUR | 50.000,00 |
| Annual NIR | 3,70% |
| EIR | 3,14% |
| Interest Amount | 924,20 |
| Tax liability (15%) | 138,63 |
| Total amount to be paid | 50.785,57 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 9 |
| Deposit Amount in EUR | 50.000,00 |
| Annual NIR | 3,75% |
| EIR | 3,19% |
| Interest Amount | 1.395,87 |
| Tax liability (15%) | 209,38 |
| Total amount to be paid | 51.186,49 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in EUR | 50.000,00 |
| Annual NIR | 3,85% |
| EIR | 3,27% |
| Interest Amount | 1.925,00 |
| Tax liability (15%) | 288,75 |
| Total amount to be paid | 51.636,25 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 3 |
| Deposit Amount in EUR | 200.000,00 |
| Annual NIR | 3,25% |
| EIR | 2,76% |
| Interest Amount | 1.618,81 |
| Tax liability (15%) | 242,82 |
| Total amount to be paid | 201.375,99 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in EUR | 200.000,00 |
| Annual NIR | 3,75% |
| EIR | 3,18% |
| Interest Amount | 3.746,31 |
| Tax liability (15%) | 561,95 |
| Total amount to be paid | 203.184,36 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 9 |
| Deposit Amount in EUR | 200.000,00 |
| Annual NIR | 3,85% |
| EIR | 3,27% |
| Interest Amount | 5.731,67 |
| Tax liability (15%) | 859,75 |
| Total amount to be paid | 204.871,92 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in EUR | 200.000,00 |
| Annual NIR | 3,95% |
| EIR | 3,36% |
| Interest Amount | 7.900,00 |
| Tax liability (15%) | 1.185,00 |
| Total amount to be paid | 206.715,00 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
Representative example - RSD
| Term of depositing in months | 3 |
| Deposit Amount in RSD | 1.000.000 |
| Annual NIR | 5,00% |
| EIR | 5,00% |
| Interest Amount | 12.373,72 |
| Tax liability | |
| Total amount to be paid | 1.012.373,72 |
Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in RSD | 1.000.000 |
| Annual NIR | 5,25% |
| EIR | 5,25% |
| Interest Amount | 26.129,98 |
| Tax liability | |
| Total amount to be paid | 1.026.129,98 |
Calculation as at 12.08.2026.
| Term of depositing in months | 9 |
| Deposit Amount in RSD | 1.000.000 |
| Annual NIR | 5,30% |
| EIR | 5,30% |
| Interest Amount | 39.382,00 |
| Tax liability | |
| Total amount to be paid | 1.039.382,00 |
Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in RSD | 1.000.000 |
| Annual NIR | 5,40% |
| EIR | 5,40% |
| Interest Amount | 54.000,00 |
| Tax liability | |
| Total amount to be paid | 1.054.000,00 |
Calculation as at 12.08.2026.
| Term of depositing in months | 3 |
| Deposit Amount in RSD | 5.000.000 |
| Annual NIR | 5,05% |
| EIR | 5,05% |
| Interest Amount | 62.476,07 |
| Tax liability | |
| Total amount to be paid | 5.062.476,07 |
Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in RSD | 5.000.000 |
| Annual NIR | 5,30% |
| EIR | 5,30% |
| Interest Amount | 131.878,45 |
| Tax liability | |
| Total amount to be paid | 5.131.878,45 |
Calculation as at 12.08.2026.
| Term of depositing in months | 9 |
| Deposit Amount in RSD | 5.000.000 |
| Annual NIR | 5,35% |
| EIR | 5,35% |
| Interest Amount | 198.755,58 |
| Tax liability | |
| Total amount to be paid | 5.198.755,58 |
Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in RSD | 5.000.000 |
| Annual NIR | 5,45% |
| EIR | 5,45% |
| Interest Amount | 272.499,99 |
| Tax liability | |
| Total amount to be paid | 5.272.499,99 |
Calculation as at 12.08.2026.
| Term of depositing in months | 3 |
| Deposit Amount in RSD | 10.000.000 |
| Annual NIR | 5,10% |
| EIR | 5,10% |
| Interest Amount | 126.166,59 |
| Tax liability | |
| Total amount to be paid | 10.126.166,59 |
Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in RSD | 10.000.000 |
| Annual NIR | 5,35% |
| EIR | 5,35% |
| Interest Amount | 266.213,42 |
| Tax liability | |
| Total amount to be paid | 10.266.213,42 |
Calculation as at 12.08.2026.
| Term of depositing in months | 9 |
| Deposit Amount in RSD | 10.000.000 |
| Annual NIR | 5,40% |
| EIR | 5,40% |
| Interest Amount | 401.201,88 |
| Tax liability | |
| Total amount to be paid | 10.401.201,88 |
Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in RSD | 10.000.000 |
| Annual NIR | 5,50% |
| EIR | 5,50% |
| Interest Amount | 550.000,00 |
| Tax liability | |
| Total amount to be paid | 10.550.000,00 |
Calculation as at 12.08.2026.
Representative example - USD
| Term of depositing in months | 3 |
| Deposit Amount in USD | 10.000,00 |
| Annual NIR | 3,15% |
| EIR | 2,67% |
| Interest Amount | 78,48 |
| Tax liability (15%) | 11,77 |
| Total amount to be paid | 10.066,71 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in USD | 10.000,00 |
| Annual NIR | 3,65% |
| EIR | 3,10% |
| Interest Amount | 182,36 |
| Tax liability (15%) | 27,35 |
| Total amount to be paid | 10.155,01 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in USD | 10.000,00 |
| Annual NIR | 3,80% |
| EIR | 3,23% |
| Interest Amount | 380,00 |
| Tax liability (15%) | 57,00 |
| Total amount to be paid | 10.323,00 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 3 |
| Deposit Amount in USD | 50.000,00 |
| Annual NIR | 3,20% |
| EIR | 2,72% |
| Interest Amount | 398,55 |
| Tax liability (15%) | 59,78 |
| Total amount to be paid | 50.338,77 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in USD | 50.000,00 |
| Annual NIR | 3,70% |
| EIR | 3,14% |
| Interest Amount | 924,20 |
| Tax liability (15%) | 138,63 |
| Total amount to be paid | 50.785,57 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in USD | 50.000,00 |
| Annual NIR | 3,85% |
| EIR | 3,27% |
| Interest Amount | 1.925,00 |
| Tax liability (15%) | 288,75 |
| Total amount to be paid | 51.636,25 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 3 |
| Deposit Amount in USD | 200.000,00 |
| Annual NIR | 3,25% |
| EIR | 2,76% |
| Interest Amount | 1.618,81 |
| Tax liability (15%) | 242,82 |
| Total amount to be paid | 201.375,99 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 6 |
| Deposit Amount in USD | 200.000,00 |
| Annual NIR | 3,75% |
| EIR | 3,18% |
| Interest Amount | 3.746,31 |
| Tax liability (15%) | 561,95 |
| Total amount to be paid | 203.184,36 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
| Term of depositing in months | 12 |
| Deposit Amount in USD | 200.000,00 |
| Annual NIR | 3,95% |
| EIR | 3,36% |
| Interest Amount | 7.900,00 |
| Tax liability (15%) | 1.185,00 |
| Total amount to be paid | 206.715,00 |
No additional costs are charged to the customer or included in the calculation of the effective interest rate. Calculation as at 12.08.2026.
Additional information on a term deposit with interest payable upon maturity
- Interest is paid upon maturity of the term deposit.
We are here for you to answer any questions related to savings deposits. For additional advice, leave your details online, visit a branch, or call our Contact Center to learn more about the terms and conditions of term deposits based on the amount of your savings and the deposit term that best suits your needs.
Additional Information on Term Deposits with Interest Paid at Maturity
- In the event of early termination of the term deposit, no interest will be paid on the deposited amount.
Tax on interest income for funds deposited in foreign currency is currently 15% at the time of contract execution and is regulated by the Personal Income Tax Law.
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