Gradual term savings

Your savings grow with regular monthly payments, and you enjoy the security of term funds and a stable return.

Save at your own pace

Whether you're saving for big plans or additional financial security, gradual term savings allow you to build your future easily and without pressure.

Minimum initial savings amount 20 EUR or 2,000 RSD

Monthly payments

Bonus interest on regular payments

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Your savings - your pace

Savings that grow month after month.

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

Equal monthly payments of the initially agreed amount from 20 to 1,000 EUR (or from 2,000 RSD to 100,000 RSD)
3 accounting periods of 12 months each – at the end of each of them, for regular payments, you earn BONUS interest
Purchase of EUR at the middle NBS exchange rate by standing order
The possibility of scheduling multiple parties

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Representative examples and conditions

Terms and more information

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• You need to open a special A vista foreign currency account for the term savings
• 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 EUR 1,000 (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 calculation period)
• In the event of early withdrawal, the interest paid for the previous accounting period remains on your account. For the accounting period in which you withdraw funds, the A vista interest rate valid at the time of withdrawal (from the date of the beginning of the accounting period to the date of withdrawal) is applied.
• Interest is calculated and paid at the end of each accounting 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:

• Every month, an equal amount of savings is paid, which you have determined yourself and agreed in advance with the Bank, 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 miss a monthly payment or pay less than the specified monthly payment amount in a certain billing period, you are not entitled to BONUS interest for that billing period.
• The right to BONUS interest is determined at the end of each calendar month, and BONUS interest is paid at the end of the calculation period of 12 months, for the previous 12 months

Representative example of Graduated Term Savings in EUR for a period of 36 months

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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 calculating bonus interest. The condition for calculating bonus interest is the payment of the agreed monthly amount each calendar month during each calculation period.

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Type of Deposit	Graduated Term Savings
Deposit amount	100
Deposit Currency	EUR
Interest Calculation Method	Proportional Method
Deposit Indexing Method	No Indexing Criteria
Nominal interest rate (NIR) fixed, on an annual basis	Calculation period / NIR / Bonus interest / Total interest* Up to 12 m: 2.50% / 0.50% / 3.00% From 12 m to 24 m: 2.50% / 1.50% / 4.00% From 24 m to 36 m: 2.50% / 2.50% / 5.00%
Effective Interest Rate (EIR)	3.75%
Deposit Payout Period	36 months
Total gross interest amount at the end of the deposit term	245.46
User's Tax Liability	Capital Gains Tax: 15% (36.81 EUR)
Total amount (deposit amount and interest) payable by the bank	3,808.65

*Calculation made on March 19, 2026.

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

Representative example for Graduated Term Savings (RSD) for a 36-month period

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The total interest rate on Graduated RSD Term Savings consists of:

✓ Nominal Interest Rate (NIR)

✓ Bonus Interest, which is calculated and paid if the user has fulfilled the requirements for the bonus interest accrual. The requirement for bonus interest calculation is the payment of the agreed monthly amount every calendar month during each calculation period.

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Type of Deposit	Graduated Term Savings
Deposit amount	10,000.00
Deposit Currency	RSD
Interest Calculation Method	Proportional Method
Deposit Indexing Method	No Indexing Criteria
Nominal interest rate (NIR) fixed, on an annual basis	Calculation Period / NIR / Bonus Interest / Total Interest* Up to 12 m: 3.75% / 0.25% / 4.00% From 12 m to 24 m: 3.75% / 1.25% / 5.00% From 24 m to 36 m: 3.75% / 2.25% / 6.00%
Effective Interest Rate (EIR)	5.41%
Deposit Payout Period	36 months
Total gross interest amount at the end of the deposit term	30,086.99
User's Tax Liability	Capital Gains Tax: 0.00 RSD
Total amount (deposit amount and interest) payable by the bank	390,086.99

*Calculation made on March 19, 2026.

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 sight account (A vista) or an RSD current account for payments into Graduated Term Savings?

For Graduated Term Savings in EUR, it is necessary to open a separate foreign currency sight account, while for Graduated Term Savings in RSD, it is possible to use an RSD current account in addition to an RSD sight account.

Do I pay a fee for the maintenance of a foreign currency/RSD sight account?

No, the maintenance of these accounts is free of charge, unless you opt for an RSD current account, in which case a fee is charged in accordance with the package you are using.

If I have agreed on a monthly deposit of 100 EUR/10,000 RSD for Graduated Term Savings, but I only have 50 EUR/5,000 RSD in my account, will that 50 EUR/5,000 RSD be transferred to the Graduated Term Savings?

No, it is only possible to deposit the exact agreed-upon amount; it is not possible to make a payment that is either smaller or larger than that.

Can I make subsequent payments on any day of the month after signing the Contract and making the initial deposit?

You can make the payment for the following month from the 1st to the 31st day of the month. You will not lose the right to BONUS interest if you pay the agreed monthly amount, for example, on October 31st. It is important that you have an agreed payment every calendar month.

Can I not make a payment in a certain month, and make two payments in the next month and be entitled to BONUS interest?

No, only one payment is possible during a calendar month.

If I have agreed on a monthly supplement to a gradual term savings of EUR 100, and I have EUR 50 in a special foreign currency A vista account, will those EUR 50 be transferred to the gradual term savings?

No, it is only possible to pay the exact, agreed amount; neither a smaller nor a larger amount can be paid.

What if one month I don't have enough money in my checking account to buy EUR?

The standing order from a dinar to a foreign currency account will not be executed, but you can make a cash payment in EUR to the foreign currency account from which the funds are transferred to the Gradual Term Savings.