EN | RS

Dinar Term Deposits

General

Halkbank a.d. Beograd offers you the opportunity to place your available dinar funds into savings, with term periods from 3 to 12 months on stimulated interest rates. Interest is paid upon expiry of the term period.

The term of the funds will be automatically extended by the interest rate applicable on the day of extension, with no need for you to go to the Bank.

The client does not pay tax on income from capital arising from interest for dinar deposits.

Benefits

  • There is no minimum deposit.
  • Opening a term deposit account is free of charge
  • In case of the withdrawal of funds before the expiry of the agreed term, the Bank will calculate and pay interest on dinar deposits accrued up until the moment of withdrawal
  • Fixed interest rate during the deposit term
  • Automatic extension of the agreement for the period corresponding to the initially agreed term

Terms and conditions

Term period

Interest rate on term deposits

(fixed, p.a.)

Sight deposits

0.00%

Fixed-term deposits on 3 months

2.00%

Fixed-term deposits on 6 months

2.50%

Fixed-term deposits on 12 months

2.75%



Representative example

Deposit amount - 100.000,00 RSD

Term period

Total interest accrued (RSD)

Costs paid by client

(tax) in RSD

Total amount to be paid

to client (RSD) 

Effective

interest rate 

Fixed-term deposit

on 3 months

499,53

0,00

100.499,53

2,00%

Fixed-term deposit

on 6 months

1.246,04

0,00

101.246,04

2,50%

Fixed-term deposit

on 12 months

2.715,91

0,00

102.715,91

2,75%


Questions

What documents do I need to open a term-deposit account?

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


Is it possible to withdraw part of the funds?

This product has no option of partial withdrawal of funds. If you need funds before the expiry of the term period you can withdraw the total amount and Halkbank will calculate and pay interest accrued until the withdrawal.