CyrillicRSD Savings
Savings is a useful choice for the future with security provided by Postal Savings Bank!The Bank accepts RSD deposits providing the most attractive interest rates on the market and maximum security!
How to open an RSD savings account?
Any natural person of legal capacity can conclude an Agreement on RSD savings account in their own name or on behalf of a minor as their legal representative (parent, adoptive parent, guardian).
DEMAND SAVINGS
The Bank calculates and credits interest for the RSD savings account funds at a fixed interest rate by applying the compound interest calculation 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 interest rate annually (fixed) |
0.30% | |||||
| Effective interest rate (annually) |
0.30% | |||||
| Total amount of interest (gross) | 300.00 RSD | |||||
| Costs borne by the user and included in the EIR calculation |
- | |||||
| Tax liability (0%) | - | |||||
| Total to be paid (deposit + interest) |
100,300.00 RSD | |||||
EIR was calculated on 01 July 2021
TERM DEPOSITS WITH INTEREST PAID AT MATURITY – CLASSIC TERM SAVINGS
Term deposits have maturities of 1, 3, 6, 12, 25 or 36 months. The minimum deposit amount is RSD 10,000.00. Deposit term starts from the day of depositing the funds and ends on the last day of the agreed period, while the right to dispose of the fixed-term savings deposit together with the associated interest, starts from the first day after the expiry of the deposit term. Interest is calculated at a fixed interest rate by applying the compound interest calculation method. At the end of the agreed term, the individual deposit can be withdrawn within 15 days, after which time the funds are automatically deposited for the same term and under the conditions valid on the day of redepositing.
Deposits in the amount of RSD 5,000,000.00 and higher cannot be redeposited.
| 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 interest rate annually (fixed) |
0.40% | 0.90% | 1.25% | 1.85% | 2.10% | 2.50 % |
| Effective interest rate (annually) |
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 user and included in the EIR calculation | - | |||||
| Tax liability (0%) | - | |||||
| Total to be paid (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 was calculated on 01 July 2021
TERM DEPOSITS WITH INTEREST PAID MONTHLY - ANNUITY SAVINGS
Annuity savings is a fixed-term savings deposit for a term of 12 or 25 months with interest paid monthly (one deposit - minimum deposit amount is RSD 20,000.00). Interest for annuity savings is calculated and paid monthly. The client can withdraw the monthly interest or transfer it by standing order to the current account for private individuals held with Postal Savings Bank.
| DEPOSIT AMOUNT | RSD 100,000 | RSD 100,000 | ||||
| Deposit term | 12 months | 25 months | ||||
| Indexing criteria | No indexing criteria | |||||
| Nominal interest rate annually (fixed) |
1.85% | 2.10% | ||||
| Effective interest rate (annually) |
1.85% | 2.10% | ||||
| Total amount of interest (gross) | RSD 1,850.40 | RSD 4,375.00 | ||||
| Costs borne by the user and included in the EIR calculation |
- | |||||
| Tax liability (0%) | - | |||||
| Total to be paid (deposit + interest) |
RSD 101,850.40 | RSD 104,375.00 | ||||
EIR was calculated on 01 July 2021
Useful documents
