Term savings

Money is safe with term savings and an NKS of 3.5% for euros and an NKS of 4.75% for dinars.

Term savings in euros or dinars - you choose

We have prepared special interest rates for 12-month term savings. The offer is valid for new funds deposited until 31.03.2026. or, if you are already saving in our bank, you can take advantage of the offer by transferring your earnings to your account in AikBank. Deposit your money today and get ready for a secure tomorrow.

NKS 3.5% (EKS 2.97%)

For 12-month term deposits in EUR.

NKS 4.75% (EKS 4.75%)

For term deposits in RSD for 12 months.

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Why save with us?

Savings in foreign currency or dinars

You can deposit funds in RSD, EUR, USD or CHF at the nearest AikBank branch, which is available at more than 110 locations.

You choose the term deposit period.

You can deposit funds for the period that suits you best, and the available periods are: 3, 6, 9, 12, 15, 25 or 36 months.

Transfer funds without costs

With your consent and with just one visit to our branch, we transfer funds in euros directly from an account at another bank to an account at AikBank.

Term savings calculator

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Representative examples

Term savings in RSD

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Representative example for a 12m term savings account

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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 (NKS), fixed, annualized	4.75%
Effective interest rate (EKS)*	4.75%
Term deposit period	12 months
The total amount of gross interest at the end of the term	143,280.82 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	3,143,280.82 RSD

*Calculation made on 19.12.2025. year.

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

Term savings in EUR

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Representative example for a 12m term savings account

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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 (NKS), fixed, annualized	3.50%
Effective interest rate (EKS)*	2.97%
Term deposit period	12 months
The total amount of gross interest at the end of the term	1,050.00
User's tax liability	Capital gains tax: 15% (157.50 EUR)
The total amount (amount of deposit and interest) that the bank is obliged to pay	30,892.50 EUR

*Calculation made on October 27, 2025. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia.

Term savings in USD

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Representative example for a 12m term savings account

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Deposit type	Term deposit in dollars
Deposit amount	$30,000
The currency in which the deposit is contracted	USD
Interest calculation method	Proportional method
Indexing criteria	No indexing criteria
Nominal interest rate (NKS), fixed, annualized	2.50%
Effective interest rate (EKS)*	2.13%
Term deposit period	12 months
The total amount of gross interest at the end of the term	750.00
User's tax liability	Capital gains tax: 15% ($112.50)
Type and amount of all fees	No fees charged to the depositor
The total amount that the user will receive after the term	USD 30,637.50 (RSD 3,156,866.55)

*Calculation made on May 28, 2025. year.

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

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In a safe place for a safer future

Frequently asked questions

What is a term savings account?

Term savings are practically a way to preserve and increase the value of your money, by depositing it in a bank and not withdrawing it until a certain period of time. When that agreed period expires, you receive the entire invested money plus the full interest that the bank has credited to you.

What currencies are available for term savings?

At AikBank you can save in dinars (RSD), euros (EUR), US dollars (USD) or Swiss francs (CHF). You can deposit savings in these currencies at any AikBank branch.

How is the interest on term savings calculated?

Interest on term savings is calculated at a pre-agreed fixed interest rate on the amount of money you have invested (the principal). The bank uses a formula that takes that interest rate into account and converts it to the exact number of days your money has been in term. Your total earnings will be precisely calculated on the maturity date, and then the entire amount – the deposit plus the interest earned – will be paid to your savings account. The only thing the bank deducts before payment is any statutory interest tax that is calculated on foreign currency savings in the amount of 15%.

How can I make payments into a term savings account?

You can make payments in several ways - in cash at the counters of AikBank branches, by depositing at multifunctional ATMs available in 24/7 zones (for dinars and euros), by transfer from another account via electronic or mobile banking, or by standing order from a current account.

What happens if I terminate my term savings before the term expires?

In that case, the bank pays you only the principal amount (the amount you invested), without the right to the agreed interest.

What are the advantages of term savings?

The main advantage is the guaranteed interest rate, which you receive because you have decided not to withdraw your money for a certain period. This type of savings provides you with a secure return, but it is also a way to ensure that your funds do not lose value due to inflation.

Are my funds insured?

Yes, they are. The insured amount is the amount of the insured deposit up to 50,000 euros per depositor in the bank. The insurance covers cash deposits, savings deposits, current accounts and other cash accounts, as well as all other funds temporarily deposited in the course of regular banking operations, which the bank returns to the client in accordance with its legal or contractual obligation.

Is tax paid on profits made from savings and how much?

If your savings are in local currency, no tax is paid. If you have deposited foreign currency in savings, a tax of 15% is paid on the profit.

When is interest accrued?

Interest on demand savings (so-called a vista) is credited at the end of the calendar year, while interest on term deposits is calculated and credited, or paid, depending on the term deposit model you have chosen: