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Special offer

General

In order to offer to its customers favorable conditions for term deposits, HALKBANK offers you the possibility of depositing your EUR funds for a 12-month period and 25- month period and with a very attractive interest rate. Interest is paid upon expiry of the term period.

Benefits

  • Opening a term deposit account is free of charge;
  • Fixed interest rates during the whole term period.

Terms and contidions

  • Maturity: 12 months
  • Interest rate: 1,40% p.a., fix
  • Minimum amount: EUR 10.000
    * Interest rate is expressed in gross amount
  • The Bank calculates and pays the tax on interest income, at the expense of the owner of the order


  • Maturity: 25 months
  • Interest rate: 1,70% p.a., fix
  • Minimum amount: EUR 10.000
    * Interest rate is expressed in gross amount
  • The Bank calculates and pays the tax on interest income, at the expense of the owner of the order


Representative example

  • Amount: EUR 20.000,00
  • Maturity: 12 months
  • Nominal Interest rate: 1.40% p.a., fix
  • Total interest accured: EUR 280,60
  • Costs paid by client (tax 15,00%): EUR 42,09
  • Total amount to be paid to client: EUR 20.238,51
  • Effective interest rate (EKS): 1,19%

*calculation date: 22.03.2019.



  • Amount: EUR 20.000,00
  • Maturity: 25 months
  • Nominal Interest rate: 1.70% p.a., fix
  • Total interest accured: EUR 715,42
  • Costs paid by client (tax 15,00%): EUR 107,31
  • Total amount to be paid to client: EUR 20.608,11
  • Effective interest rate (EKS): 1,45%
*calculation date: 22.03.2019.


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.