CyrillicRSD Savings Account
Savings is your beneficial choice for the future, with the security provided by Postal Savings Bank!The bank accepts RSD deposits with the most attractive interest rates on the market and maximum security!
Promotional interest rates until April 30th 2026 for newly received deposits >>>
How to open a RSD savings account?
Two types of RSD savings accounts can be opened with the Bank: an RSD fixed-term savings account and an RSD demand savings account.
The accounts can be opened at any branch office of the Bank, free of charge.
Both residents and non-residents can open RSD savings accounts based on a written application.
There cannot be authorized persons on an RSD fixed-term savings account, whereas only one adult, legally capable person may be authorized on an RSD demand savings account.
Only a citizen of the Republic of Serbia with the residence in the Republic of Serbia longer than one year can be an authorized person on an RSD demand savings account of a resident.
Either a resident or non-resident can be an authorized person on an RSD demand savings account of a non-resident.
Payments and withdrawals of deposited funds can be made only at the counters of the Bank.
If a savings account is opened in the name of a minor (a natural person who does not have legal capacity), a written application for opening a savings account can be submitted by his/her legal representative (parent or adoptive parent) or guardian (with the presentation of the decision of the Center for Social Work).
DEMAND SAVINGS
The minimum amount of funds that the Bank accepts as a deposit on RSD demand savings account is RSD 500.00. Deposited funds are available to the client at any time.
The Bank calculates and attributes interest on funds in RSD savings account at a fixed interest rate, using the conform method, in RSD, at the end of the calendar year.
| DEPOSIT AMOUNT | RSD 100,000 | |||||
| Deposit term | 01/01. - 31/12. | |||||
| Indexing criteria | No indexing criteria | |||||
| Nominal annual interest rate (fixed rate) |
0.30% | |||||
| Effective interest rate (annually) |
0.30% | |||||
| Total amount of interest (gross) | 300.00 RSD | |||||
| Costs borne by the client and included in the calculation of the EIR | - | |||||
| Tax (0%) | - | |||||
| Total amount payable (deposit + interest) |
100,300.00 RSD | |||||
EIR was calculated on 01 July 2021
TERM SAVINGS WITH INTEREST PAYMENT AT MATURITY
The bank offers term deposits with a period of 3, 6, 12, 25, 36 months. The minimum deposit amount is RSD 10,000.00. The term period begins on the day of deposit of funds and expires on the last day of the agreed term, while the right to dispose of the funds, together with the corresponding interest, begins on the first day following the expiration of the term period. Interest is calculated at a fixed interest rate using the conform method of calculation.
| DEPOSIT AMOUNT | RSD 100,000 | RSD 100,000 | RSD 100,000 | RSD 100,000 | RSD 100,000 | RSD 100,000 |
| Deposit term | 1 month* | 3 months | 6 months | 12 months | 25 months | 36 months |
| Indexing criteria | No indexing criteria | |||||
| Nominal annual interest rate (fixed rate) |
0.40% | 0.90% | 1.25% | 1.85% | 2.10% | 2.50 % |
| Effective interest rate (annual) |
0.40% | 0.90% | 1.25% | 1.85% | 2.10% | 2.50% |
| Total amount of interest (gross) | 33.30 RSD | 224.27 RSD | 623.22 RSD | 1,850.33 RSD | 4,423.75 RSD | 7,689.74 RSD |
| Costs borne by the client and included in the calculation of the EIR | - | |||||
| Tax (0%) | - | |||||
| Total amount payable (deposit + interest) |
100,033.30 RSD | 100,224.27 RSD | 100,623.22 RSD | 101,850.33 RSD | 104,423.75 RSD | 107,689.74 RSD |
EIR calculated on 01 July 2021
*Only for deposits with automatic redepositing.
TERM SAVINGS WITH MONTHLY INTEREST PAYMENT – ANNUITY SAVINGS
Annuity savings is a fixed-term savings deposit on 12, 25 months that enables a monthly payment of interest (one deposit – minimum deposit amount is RSD 20,000.00). Calculation and payment of the interest on the annuity savings is made monthly. The client can either withdraw the monthly interest or transfer it by standing order to a retail current account held with the Bank, post the following: RSD annuity savings is a fixed-term savings deposit in RSD on 12, 25 months that enables a monthly payment of interest (one deposit – minimum deposit amount is RSD 20,000.00).
The interest rate is fixed during the whole period of a fixed-term deposit. The interest is calculated by applying proportional interest method. Calculation and payment of the interest is made monthly. The accrued interest is transferred either to a vista account or to a payment account, depending on the request of the client.
| DEPOSIT AMOUNT | RSD 100,000 | RSD 100,000 | ||||
| Deposit term | 12 months | 25 months | ||||
| Indexing criteria | No indexing criteria | |||||
| Nominal annual interest rate (fixed rate) |
1.85% | 2.10% | ||||
| Effective interest rate (annual) |
1.85% | 2.10% | ||||
| Total amount of interest (gross) | RSD 1,850.40 | RSD 4,375.00 | ||||
| Costs borne by the client and included in the calculation of the EIR | - | |||||
| Tax (0%) | - | |||||
| Total amount payable (deposit + interest) |
RSD 101,850.40 | RSD 104,375.00 | ||||
EIR calculated on 01 July 2021
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