Increase your savings in the #1 bank for term savings of citizens*
Term savings is a practical way to save and increase the value of your money, by depositing it in the bank and not withdrawing it until a certain deadline. When the agreed term expires, you receive the entire invested money plus the interest that the bank has credited you with.
In AikBank, you can contract dinar or foreign currency term savings with competitive interest rates. See below a special offer for term savings for 12 months in dinars and euros, with the transfer of earnings.
4,25% NIR
(3,61% EIR) for EUR
Representative examples
Term deposit with salary transfer
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| Representative example for term deposit in RSD |
*Calculation as of 01 September 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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| Representative example for term deposit in EUR |
*Calculation as of 01 September 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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Term deposit for new funds/increase of current funds
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| Representative example for term deposit 12m in EUR |
*Calculation as of 01 September 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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| Representative example for term deposit 12m in RSD |
*Calculation as of 01 September 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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Term deposit standard offer
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| Representative example for term deposit 12m in RSD |
*Calculation as of 31 March 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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| Representative example for term deposit 12m in EUR |
*Calculation as of 31 March 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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| Representative example for term savings in USD |
*Calculation as of 28 of May 2026. The Bank is a participant in the mandatory deposit insurance system established in the Republic of Serbia. |
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Frequently asked questions
What is a term savings?
Term savings is an investment of money in a bank for a predetermined period with an agreed interest rate. After the expiration of the term, you can take over the principal with calculated interest or continue saving with a new term.
What currencies are available for term savings?
AikBank offers term savings in dinars, as well as foreign currency term savings. So you can save in dinars (RSD), euros (EUR), US dollars (USD) or Swiss francs (CHF). Savings in these currencies can be termed 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 invested (principal). The bank uses a formula that takes into account that interest rate and recalculates it using a proportional method to the exact number of days your money was termed. On the maturity date, your principal (the money you invested) plus accrued interest is automatically paid into your savings account. On the total amount of calculated interest, with foreign currency savings, you will also have a legal tax obligation of 15%, which the bank deducts and pays on your behalf and for your account before paying the net interest, so you have no further obligations on this basis, while savings in dinars are tax-free.
How can I make a payment to a term savings account?
Funds are not paid directly into the term savings account. The payment is made to your dinar or foreign currency account, depending on the currency of the term savings, after which the funds are transferred to the term savings account. If you are paying funds from another bank, you need to transfer them to the appropriate account in AikBank first.
You can make a payment:
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in cash at AikBank counters;
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by paying at AikBank multifunctional ATMs (24/7) for dinars and euros, where this service is available;
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by transferring funds from the account via electronic or mobile banking - eBanking and mBanking;
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standing order from the current account.
If I choose fixed-term savings with salary transfer, what happens if I end the fixed-term savings before the end of the term or if no salary is received for a period of 12 months?
In case of early termination, the bank pays you only the principal amount (the amount you invested), without the right to the agreed interest, with interest as if you had kept the funds in demand savings.
If there is no salary receipt for a period of 12 months, the bank will take the necessary steps to reduce the interest rate according to the agreed terms after the recorded cessation of salary receipt.
What are the advantages of term savings?
The main advantage is the guaranteed, or fixed interest rate, which you get because you have decided not to withdraw your money for a certain period. Term savings offer maximum security and guaranteed earnings with a fixed interest rate that you know in advance, while flexible terms allow you to plan your finances according to your plans. Using our term savings calculator, you can also easily compare interest rates for different currencies and terms, and instantly find out how much your funds will grow over time.
Are my funds insured?
Yes, they are. The insured amount is the amount of the insured deposit up to EUR 50,000 per depositor in the bank. According to the legal guarantee, the insurance includes 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 the profit made by savings and how much?
If your term savings is in dinars, no tax is paid. If you deposited foreign currency in savings, regardless of whether it is a term savings in euros or, say, dollars, a tax of 15% is paid on the profit, which the bank pays on your behalf and for your account.
When is the interest credited?
On fixed deposits, interest is calculated and credited, i.e. paid out depending on the fixed deposit model you have chosen:
- At the end of the period for which the deposit is fixed
- Monthly