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AIK štedna rešenja

Term deposits
How do you want to save? There’s no need to come to the Bank. It’s hassle-free, it takes only 10 minutes, it’s ONLINE. In EUR, USD and RSD, different terms, payment of interest upon the expiry of term, in advance or montly. Possibility to place ONLINE multiple term deposits with individual amounts of up to RSD 600,000 in RSD equivalent, for EUR and USD term deposits. ONLINE AIK term deposits – save time and money!
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Stepped interest rate savings Why?
Because with the stepped interest rate savings model of interest accrual and payment you will make save long-term, and you choose whether you want to withdraw interest upon the expiry of term or periodically. nterest is accrued periodically. Tailor-made savings For better and more
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Gradual growth savings When?
If you didn’t start yesterday, start today! Gradual growth savings allow you to save continuously, without having to go to the Bank. With the the standing order, you can transfer every month the amount of term deposit you choose. This will make your savings deposit grow. A long-term savings plan in EUR. There’s no need to come to the Bank Monthly deposit starts at only EUR 20. Bonus interest for regular depositors
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What you may find interesting
Cash loan approved against a 100% special purpose deposit
Make your own repayment schedule. Choose whether you want to repay your loan in monthly instalments or to repay the full amount of principal at the end of repayment term.
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We care for your financial soundness

The banking world closer to you
Your money is always in your hands

In the Republic of Serbia, 5,375,299 users have payment accounts with the average of 1.46 current accounts in commercial banks.

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A financially sound man is a happy man

You can have the sense of safety, wellbeing, and pleasure only if you’re financially sound.

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Frequently asked questions

Do I have to pay an account-maintaining fee for savings accounts?

No, we maintain these accounts free of charge.

What are the available currencies of savings accounts?

You may choose between RSD, EUR, USD and CHF savings account.

Is it possible to make payments into my savings accounts in multiple ways?

Yes, it is. You may make cash deposits at the Bank’s cash desk or deposit cash in multifunctional ATMs available in our 24/7 Zones , you may make an eBanking or mBanking transfer from another account you keep with AIK Bank or use the overdraft to make any transfer you wish from your current account.

I’m a nonresident, is it possible for me to keep savings account with your bank?

Yes, of course it is! There’s a wide range of savings products we’ve created for nonresident private individuals.

Are my personal funds insured?

Yes, the insured amount of deposit at the Bank is up to EUR 50,000 per depositor. This insurance includes standard deposits, savings deposits, current accounts, and funds in other monetary accounts as well as all other temporarily deposited funds, as part of regular banking operations, which the Bank is to return to the client in accordance with its regulatory or contractual obligations.

When is interest accrued?

Interest on sight deposits, so called a vista deposits, is accrued at the end of calendar year whereas interest on term deposits is calculated, accrued and paid depending on the model of term deposit you opt for: At the end of term As soon as term savings deposit is placed Monthly

Is interest with the “payment in advance” option immediately available?

Yes, as soon your place your funds as a term deposit, accrued interest will immediately be available in your sight deposit account.

If I place a term deposit and something unplanned happens, how can I get my money?

Funds placed as a fixed term savings deposit are available upon maturity. But if you need them sooner, you may apply for early termination of the term deposit. It is very important to know that in case of early termination of your term deposit, funds with the monthly interest payment and payment of interest in advance options, the amount to be paid stands for the amount of deposited funds, minus previously accrued and paid gross interest, in advance or monthly, increased by net interest calculated at the rate applicable to sight deposits in EUR.

If I place gradual growth savings deposit in EUR, once I sign the agreement and make the first deposit, is it possible for me to make deposits any day of the month or does it have to be on the date of agreement signing, or at the latest by the date the agreement is signed, so this way I don’t lose my right to bonus interest?

For example, you sign the agreement on 19th February and make the first cash deposit. You may make a deposit for the following month as early as 1st March and until 31st March, and so on. You will not use your entitlement to bonus interest if you make the deposit on 31st March, for example. It is important that every calendar month you make the contractually agreed deposit. The Bank will accrue interest starting from the day you make the deposit in your gradual growth savings account.

If I place some EUR funds in the gradual growth savings account, is it possible that I don’t make a deposit during one month then make two deposits the following month, and still be entitled to bonus interest?

No, you may make only one deposit during calendar month.

If my agreement defines that I should make a monthly deposit of EUR 100 in my gradual growth savings account and I have the amount of EUR 50 in my sight deposit account, will the EUR 50 be transferred to the gradual growth savings account?

No, the only amount you can pay is that which is specifically defined in the agreement. It cannot be either higher or lower.

Can I open a gradual growth savings account for my underage kids and make deposits for them?

Yes, you can do that.

In that case, can I issue a standing order to buy from funds available in my current account EUR in the amount of monthly deposits and transfer them to the gradual growth savings account?

Yes, you can. And this is the best solution.

“Sight deposits”, what does this term mean?

Sight deposits means that all funds which you have placed are readily available to you at any time. So, there are no dates when interest is due, you are completely free to use the funds in your account any way you like.

Do I have to pay tax on income earned through my savings and what is the tax rate?

If you save in the local currency, you don’t have to pay any tax. If you save in a foreign currency, income tax of 15% is paid.