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Flexy

General

In order to offer to its customers favorable conditions for term deposits, HALKBANK offers you the possibility of depositing your EUR funds on flexible type of savings and allow you to premature withdraw the money in case of need, and to collect stimulative interest considering the period of savings that client has withheld.

Benefits

  • Opening a term deposit account is free of charge;
  • Fixed interest rates during the whole term period.
  • Flexibility in terms of  premature withdraw of savings with right to collect interest considering the period of savings that client has withheld.

Terms and conditions

  • Maturity: 36 months
  • Interest rate (per annum, fix):
    - a) 1,20% - after the sustained 36 months;
    - b) 1,00% - after the sustained 24 months and up to 36 months;
    - c) 0,80% - after the sustained 6 months and up to 24 months;
    - d) Without interest in case of premature withdrawal up to 6 months.
  • Minimum amount: EUR 10.000,00

Representative example

  • Amount: EUR 20.000,00
  • Maturity: 36 months
  • Nominal Interest Rate: 1.20% p.a., fix
  • Total interest accured: EUR 728,67
  • Costs paid by client (tax 15,00%): EUR 109,30
  • Total amount to be paid to client: EUR 619,37
  • Effective interest rate (EKS): 1,02%
    *calculation date: 10.10.2018.

Questions

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

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


When is tax on investment income paid?

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



Is it possible to collect interest in case of premature withdrawal?

Yes, Halkbank allow you to to collect stimulative interest considering the period of savings that has been withheld.