Start saving 100% online with 5% interest on dinars

With Non-stop demand savings, money is always available to you.

3 reasons to choose Non stop savings

If you are looking for a way to save and always have money at hand, Non stop savings is the right choice for you. No minimum amount, while the maximum amount depends on the account package you choose: Aik Start up to 200,000 RSD, and Aik Advance or Aik Supreme up to 1,200,000 RSD with regular earnings.
5% for RSD
For euros, the NKS is 3.00%, and the EKS is 2.55%
Monthly interest payment
To your Non stop savings account
You complete everything 100% online.
In your Aik mBanking application

100% availability

You don’t have to choose between accessibility and returns.

Flexible savings adapted to everyday plans and changes.


  • The offer is valid for 12 months from the date of contracting Non stop savings.
  • For amounts up to EUR 10,000 ( RSD 1,200,000 ) with an Aik Advance and/or Aik Superme package account and regular receipt of earnings.
  • For amounts up to EUR 2,000 ( RSD 200,000 ) without receiving earnings or with an AikStart payment account.

I am interested

How to get Non stop Savings

1

Open an account online

If you do not have an AikBank account, you can open it 100% online in just 15 minutes. View AikBank account packages.

2

Download and activate the Aik mBanking application

If you do not already use the application, you can download it from the application store on your phone (iphone: App Store, Android: Play Store or Huawei: App Gallery), and you will receive all instructions for activation by email. If you already have an account, you can activate it by calling the Contact Center.

3

Contract Non stop savings

Contract Non stop savings In the Aik mBanking application, select the "Custom offers" option in the bottom menu, and then the "Savings" option, after which you will see the complete savings offer. Choose Non stop savings in the currency you want, and then follow the steps in the application until signing.

4

Transfer money to a Non stop savings account

After signing the documentation, your Non stop savings account is active. By selecting the "Internal transfer" option, transfer the funds to the account in order to calculate the interest, and at the end of each month you will receive an interest payment.

Representative examples and conditions

Representative example for Non stop demand savings in RSD

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Deposit type A vista savings
Deposit amount 200,000.00
The currency in which the deposit is contracted RSD
Interest calculation method Proportional method
Deposit indexing method No indexing criteria
Period for which the Bank accepts deposits For an indefinite period of time
Nominal interest rate (NIC) 5% (fixed, annually)
Effective interest rate (EIR) 5.00%
The total amount of gross interest on an annual basis 10,000.00
User's tax liability Capital income tax: RSD 0.00
The total amount (amount of deposit and interest) that the bank is obliged to pay 210,000.00

Representative example: for an amount of 200,000 RSD, assuming that the amount of funds remains unchanged for 12 months and that interest is calculated and credited after the expiration of the 12-month period.

The calculation was made on September 15, 2025

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

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Deposit type A vista savings
Deposit amount 1,200,000.00
The currency in which the deposit is contracted RSD
Interest calculation method Proportional method
Deposit indexing method No indexing criteria
Period for which the Bank accepts deposits For an indefinite period of time
Nominal interest rate (NIC) 5.00% (fixed, annually)
Effective interest rate (EIR) 5.00%
The total amount of gross interest on an annual basis 60,000.00
User's tax liability Capital income tax: RSD 0.00
The total amount (amount of deposit and interest) that the bank is obliged to pay 1,260,000.00

Representative example: for the amount of 1,200,000 RSD, assuming that the amount of funds remains unchanged for 12 months and that interest is calculated and credited after the expiration of the 12-month period.

The calculation was made on September 15, 2025

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

Representative example for Non stop demand savings in EUR

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Deposit type A vista savings
Deposit amount 2,000.00
The currency in which the deposit is contracted EUR
Interest calculation method Proportional method
Deposit indexing method No indexing criteria
Period for which the Bank accepts deposits For an indefinite period of time
Nominal interest rate (NIC) 3.00% (fixed, annually)
Effective interest rate (EIR) 2.55%
The total amount of gross interest on an annual basis 60.00
User's tax liability Capital gains tax: 15% (9.00 EUR)
The total amount (amount of deposit and interest) that the bank is obliged to pay 2,051.00 EUR

Representative example: for an amount of EUR 2,000, assuming that the amount of funds remains unchanged for 12 months and that interest is calculated and credited after the 12-month period.

The calculation was made on September 15, 2025

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

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Deposit type A vista savings
Deposit amount 10,000.00
The currency in which the deposit is contracted EUR
Interest calculation method Proportional method
Deposit indexing method No indexing criteria
Period for which the Bank accepts deposits For an indefinite period of time
Nominal interest rate (NIC) 3.00% (fixed, annually)
Effective interest rate (EIR) 2.55%
The total amount of gross interest on an annual basis 300.00
User's tax liability Capital gains tax: 15% (45.00 EUR)
The total amount (amount of deposit and interest) that the bank is obliged to pay 10,255.00 EUR

Representative example: for an amount of EUR 10,000, assuming that the amount of funds remains unchanged for 12 months and that interest is calculated and credited after the 12-month period.

The calculation was made on September 15, 2025

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

Frequently asked questions

Can I use Non stop savings in any package?

Non stop savings is not an integral part of the AikBank account package, but you can activate it as an additional service with any of the three accounts: Aik Supreme, Aik Advance and Aik Start.

How much money can I keep in the Non stop savings account?

If you have an Aik Start payment account, you earn interest on amounts up to 200,000 RSD/2,000 EUR at an EIR of 5% for RSD and 2.55% for EUR on a Non stop savings account. If you have an Aik Advance or Aik Supreme account package, you earn this interest on the following amounts:

  • If you do not receive earnings in AikBank - up to RSD 200,000/ EUR 2,000
  • If you receive earnings in AikBank every month - up to RSD 1,200,000/ EUR 10,000

Can I have a Non Stop Savings Account for savings in dinars and euros?

Yes, you can have two separate Non stop savings accounts in dinars and euros, or one account in each currency.

Where does the bank pay me interest?

At the end of each month, AikBank will pay the calculated interest to your Non stop savings account.

Is it better to take Non stop savings in dinars or euros?

There is no better or worse choice when it comes to savings currency, it just depends on what is more important to you. If you want a higher return, Non stop savings in dinars can be a better choice because it has a higher EX, which shows how much savings really bring you. Interest on dinar savings is not taxed. If you want to save money in euros, for example for future expenses in that currency or to avoid the impact of exchange rate changes, then it is better to choose Non-stop savings in euros.

We participate in the mandatory deposit insurance system established in the Republic of Serbia.