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AIK štedna rešenja

Term Deposit in the Euro How?
• Without having to visit the bank. Easy. In just 10 minutes, ONLINE. • In EUR, USD and RSD, you can agree on various payment periods, with interest pay-out at the end of the Term Deposit period, in advance or every month. • Option to make multiple ONLINE Term Deposits in individual amounts up to RSD 600,000 or the RSD equivalent of Term Deposits made in EUR or USD. • AIK ONLINE Term Deposit - save time and money!
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Stepped Interest Rate Savings Account in EUR Why?
• With the stepped interest calculation and pay-out model you are saving for the long term, and will choose whether to withdraw the interest at the end of the Term Deposit period or periodically. • Interest increases periodically. Save in a way that suits you. • For something better or something more
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Savings in EUR with advance interest pay-out
• Gives you the chance to save for various Term Deposit periods • Interest is paid out according to pre-defined interest rates • Available online
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A Vista (Site) deposits in EUR
• No need to visit the bank. • Open an account in just 10 minutes, easily, all you need is your personal ID card and a phone. • Deposit up to RSD 600,000 online, under more favourable terms and conditions. You can open an unlimited number of accounts for these types of deposits. • Available in RSD, EUR and USD currencies. • You can add or withdraw funds, and interest is calculated daily on the amount deposited in the savings account.
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Savings in EUR with interest pay-out on a monthly basis
• Choose the Term Deposit period with interest that is paid out each month • Minimal savings amount: EUR 100
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Stepped Interest Rate Savings Account in EUR
• Term Deposit - 60 months • Additional interest (if the conditions are met) • Monthly deposit of the amount you wish to save
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Good Morning Savings in EUR
• Online overnight savings • Daily interest pay-out • RSD and FX savings • Your funds are available to you from 08:00 - 20:00 every day
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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.