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Add It Yourself

General

Halkbank a.d. Beograd offers you foreign exchange savings that provides an additional payment of saving deposits during the term period in accordance with your possibilities and as frequently as it suits you.

Minimum deposit is EUR 100, and minimum additional payment is EUR 20 each.

Benefits

  • Optimum funds management. After payment of the initial deposit, payments of additional funds depend on your possibilities and may be done on a schedule suitable to you.
  • You can pay additional funds at the Bank’s counters, you can also make payments via E-Banking and standing order
  • Automatic extension of the agreement to the period which corresponds to the initially agreed term

Terms and conditions

Term period

Interest rate on term deposits

978 - EUR

fixed p.a.)

Fixed-term deposits on 12 months

0,20%

Fixed-term deposits on 24 months

0,40%

*Interest rates are in gross amount.

The Bank calculates and pays tax on interest income, charging the depositor.



Representative example

Deposit amount - 1.000,00 EUR

Tax - 15,00%

Initial deposit amount

5.000,00 EUR

Term period

24 months

Total interest accrued in EUR

40,08

Costs paid by client

(15,00% - tax) in EUR

6,01

Total amount to be paid to client in EUR

5.034,07

Effective interest rate

0,34%


Questions

What documents do I need to open a savings account?

You need only an ID document – either ID card or passport.


Is it possible to withdraw part of funds?

This product has no option of partial withdrawal of funds. If you need funds before expiry of the term period you can withdraw the total amount and Halkbank will calculate and pay interest at the rate applicable for foreign exchange savings deposits.


When is tax on investment income paid?

Tax on investment income is paid by the bank on behalf of the client when interest is paid out.