Term and available savings

Safe term savings, with the ability to withdraw up to 50% of your funds at any time, without having to deposit the entire amount.

Both safety and flexibility of savings

With Term and Available Savings, you can simultaneously address unforeseen expenses such as good shopping or travel opportunities or unforeseen breakdowns, without losing income on the entire amount of your savings in the event of a drawdown of up to 50% of your funds.

2.40% for EUR

EIR 2.04%

3.90% for RSD

EIR 3.90%

Disarm up to 50%*

No loss of interest

* ^{In the event of a withdrawal of up to 50% of the savings, interest is still calculated on the remaining amount remaining in the account. Interest on withdrawn funds is calculated up to and including the date of withdrawal and is paid together with the principal at the end of the term deposit period to the client's non-term deposit account.}

I am interested.

If you transfer savings in euros from another bank to AikBank, the transfer can be made directly from account to account, without any costs, as AikBank assumes all money transfer costs.

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Term and available savings calculator

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https://publish-p159992-e1722756.adobeaemcloud.com/bin/api/loan-calculator.loan.json

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Because we understand that saving is an investment in the future

Representative examples

Representative example for Term Deposit, available savings for 12m in EUR

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Deposit type	Foreign currency term deposit in euros
Deposit amount	30,000.00 EUR
The currency in which the deposit is contracted	EUR
Interest calculation method	Proportional method
Deposit indexing method	No indexing criteria
Nominal interest rate (NIC)	2.40% (fixed, annually)
Effective interest rate (EIR)	2.04%
Deposit payment deadline	12 months
The total amount of gross interest at the end of the term	720.00 EUR
User's tax liability	Capital gains tax: 15% (108 EUR)
The total amount (amount of deposit and interest) that the bank is obliged to pay	30,612.00 EUR

The calculation was made on November 6, 2025

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

Representative example for Term Deposit, available savings for 12 months in RSD

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Deposit type	Dinar term deposit in dinars
Deposit amount	3,000,000.00 RSD
The currency in which the deposit is contracted	RSD
Interest calculation method	Proportional method
Deposit indexing method	No indexing criteria
Nominal interest rate (NIC)	3.90 (fixed, on an annual basis)
Effective interest rate (EIR)	3.90%
Deposit payment deadline	12 months
The total amount of gross interest at the end of the term	117,000.00 RSD
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	3,117,000.00 RSD

The calculation was made on November 6, 2025

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

Frequently asked questions

How to open term and available savings in the bank?

To open a Term Deposit, which is available, you need to visit the nearest AikBank branch. You will sign the Agreement with a valid personal document. If you are transferring savings in euros from another bank to AikBank, this transfer can be made directly from the account in the other bank to the account in AikBank, without transfer fees.

How is interest calculated on available term savings?

You can deposit your money in a branch as a Term Deposit, available for 12 months, in EUR or RSD. Interest that is calculatedThe interest rates are NKS 2.40% (EKS 2.04%) for EUR and NKS/EKS 3.90% for RSD. If you withdraw up to 50% of the funds, the interest on the part that is withdrawn is calculated up to and including the withdrawal date and is paid together with the principal, at the end of the term deposit period to a non-term account.

Is interest lost when withdrawing savings early?

In the event of a withdrawal of up to 50% of the savings, interest is still calculated on the remaining amount remaining in the account. Interest on withdrawn funds is calculated up to and including the date of withdrawal and is paid out together with the principal at the end of the term deposit period to the non-term deposit account.

What are the advantages of fixed-term and available savings compared to fixed-term savings?

The main advantage of a Term Savings Account is its flexibility and the freedom to manage your money. Through a flexible form of savings, you can withdraw part of your money at any time without losing all of the interest, which would happen if you cancel your term savings account before the maturity date.