Step-by-Step Savings

A unique offer on the market: agree in advance how much you can set aside for savings each month, and your savings grow from month to month.

A little effort for more money

You don't have to set aside a large amount for savings all at once, but build savings at your own pace for bigger plans or additional financial security.

Monthly payments of a pre-agreed amount

Minimum: 2,000 RSD or 20 EUR

Bonus interest if you pay regularly

I am interested

You separate little by little.

Because we understand that everyone has their own way of saving.

Equal monthly payments of the pre-agreed amount
The monthly amount can be from 2,000 RSD to 100,000 RSD (from 20 to 1,000 EUR)
Term of 36 months - if you make regular payments, every 12 months you will earn BONUS interest in addition to the regular interest

I am interested

padding

background-color

light-grey

spacing

no-margin

width

card

radius

Representative examples and terms

Conditions and more detailed information

accordion-content

For the term savings amount in EUR, you need to open a special A Vista foreign currency account
The minimum initial amount of the contracted monthly payment is 20 EUR (or 2,000 RSD)
The maximum initial amount of the contracted monthly payment is 1,000 EUR (or 100,000 RSD)

Interest

If you have met all the conditions, the nominal interest rate and BONUS interest are calculated and paid annually (after the end of each 12-month accounting period).
For the calculation period in which you cancel the funds, the A vista interest rate is applied, valid at the time of cancellation (from the start date of the calculation period until the cancellation date).
Interest is calculated and paid at the end of each calculation period. When calculating the total interest, the Bank suspends and pays capital income tax to public revenue accounts - withholding tax, in accordance with current regulations, and makes the net amount of interest available to the user by payment to a special A Vista foreign currency account.

For BONUS interest:

An equal amount of savings that you have determined yourself and pre-agreed with the Bank is paid every month, within the minimum and maximum range.
The agreed amount of the monthly payment cannot be changed during the duration of the Agreement (decrease or increase)
No more than one payment can be made during a calendar month
If you fail to make one monthly payment or pay less than the specified monthly payment amount in a certain accounting period, you do not have the right to BONUS interest for that accounting period
The right to BONUS interest is determined at the end of each calendar month, and the BONUS interest is paid at the end of the accounting period of 12 months, for the previous 12 months.

A representative example for Little by little saving EUR for a period of 36 months

accordion-content

The total interest rate on Gradual Term Savings in EUR consists of:

✓ Nominal interest rate

✓ Bonus interest, which is calculated and paid if the user has met the conditions for bonus interest calculation. The condition for calculating the bonus interest is the payment of the agreed monthly amount every calendar month during the duration of each calculation period.

The total interest rate on Gradual Term Savings in EUR consists of:

✓ Nominal interest rate

accordion-table
Type of deposit	Malo po malo štednja EUR Little by little saving RSD
Deposit amount	100
Currency in which the deposit is contracted	EUR
Interest calculation method	Proportional method
Method of deposit indexing	No indexing criteria
Nominal interest rate (NKS), fixed, on an annual basis	Accounting period NKS Bonus interest* Total interest up to 12 m 2.50% 0.50% 3.00% to 12 m do 24 m 2,50% 1,50% 4,00% to 24 m do 36 m 2,50% 2,50% 5,00%
Effective interest rate (EIR)	3.75%
Deposit payout deadline	36 months
The total amount of gross interest at the end of the term	245,46
Tax liability of the user	Capital gains tax: 15% (36.81 EUR)
The total amount (amount of deposit and interest) that the bank is obliged to pay	3.808,65

*Calculation made on March 19, 2026. year.

The bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia.

Representative example for Little by little RSD savings for a period of 36 months

accordion-content

The total interest rate on Malo po malo savings in RSD consists of:

✓ Nominal interest rate

accordion-table
Type of deposit	Little by little saving RSD
Deposit amount	10,000.00
Currency in which the deposit is contracted RSD	RSD
Interest calculation method	Proportional method
Method of deposit indexing	No indexing criteria
The nominal interest rate (NKS) is fixed, on an annual basis	Accounting period NKS Bonus interest* Total interest to 12 m 3,75% 0,25% 4,00% to 12 m do 24 m 3,75% 1,25% 5,00% to 24 m do 36 m 3,75% 2,25% 6,00%
Effective interest rate (EIR)	5.41%
Deposit payment deadline	36 months
The total amount of gross interest at the end of the term	30,086.99
Tax liability of the user	Capital income tax: RSD 0.00
The total amount (amount of deposit and interest) that the bank is obliged to pay	390,086.99

Calculation made on March 19, 2026. year.

The bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia.

Frequently asked questions

Can I use an existing foreign currency demand account or dinar current account for payments to Step-by-Step Savings?

For the Step-by-Step Savings dinar savings plan, it is possible to use an existing dinar current account alongside a dinar demand deposit account; however, for the Step-by-Step Savings euro savings plan, it is necessary to open a separate foreign currency demand deposit account dedicated exclusively to this product.

Do I pay a fee for maintaining a foreign currency/dinar demand account?

No, maintaining these accounts is free of charge, unless you opt for a current account in RSD, the fee is charged according to the package you use.

If I contracted a monthly supplement to Step-by-Step Savings of 100 EUR/10,000 RSD, and I have 50 EUR/5,000 RSD in my account, will the transfer of those 50 EUR/5,000 RSD to Step-by-Step Savings be made?

No, it is only possible to pay the correct, contracted amount, neither a smaller nor a larger amount can be paid additionally.

After the conclusion of the Agreement and the first payment, can I make subsequent payments on any day of the month?

You can make the payment for the next month from the 1st to the 31st of the month. You do not lose the right to BONUS interest if you pay the monthly agreed amount, e.g. October 31 (that is, the last day of the month). It is important that you have an agreed payment every calendar month.