Kombo and Bonus savings
Shape your savings!
You like an idea to dispose your funds at any time, as you do when you have at sight savings? You want interest for non term deposits to be the same as for term deposits. You want to get an additional interest as a reward for loyalty.
Shape your savings, create your combination, dispose your money and earn more. Select Kombo or Bonus savings which are the new types of savings, with a higher interest and always available funds.
If you want to increase interest on savings in EUR by saving in RSD, Kombo savings is solution for you!
Kombo savings represent combination of at sight savings (a vista) in RSD and EUR. The more you save on a vista RSD account, the more interest rate on a vista savings in EUR will increase. On a vista RSD account you get regular 5,00% annually interest which shall be accrued at the end of each month (NIR=EIR, conform method of calculation). On a vista EUR account you get two interests. First, a vista, interest in the amount of 2,00% annually (EIR 1,80%) and is accrued at the end of calendar year (conformal method of calculation), another is kombo interest which amount depends on RSD savings and EUR savings ratio and is accrued at the end of each month (proportional method of calculation) as follows:
- NKS 0,00% EKS 0,00% za racio 0 - 14,99
- NKS 1,50% EKS 1,34% za racio 15 - 29,99
- NKS 2,50% EKS 2,21% za racio 30 - 49,99
- NKS 3,50% EKS 3,08% za racio 50 – 79,99
- NKS 5,00% EKS 4,36% za racio 80 – 99,99
- NKS 6,00% EKS 5,20% za racio preko 100
Interest rate is fixed for the period of 12 months.
EIR is less than the agreed NIR for all foreign currency deposits as it includes capital gains tax in its calculation, in accordance with current legislation. EIR is calculated on 01.12.2011.
Ratio and kombo interest are calculated on a daily basis, because kombo savings is very flexible and if you wish you can withdraw and deposit money on both accounts and thus influence amount of interest.
Funds are always at your disposal because, at your request, you get specific Dina card with which you can withdraw money at ATMs in the country or use it for purchasing of goods and paying for services.
Kombo savings is non term savings, but earns more!
Minimum amounts for RSD and EUR a vista Kombo accounts are 1.000 RSD, ie. 10 EUR.
Announcement is obligatory 2 days earlier for amounts over 600.000 RSD (or equivalent of other currencies).
KBC Banka rewards loyalty of its clients. If you select Bonus savings, you get bonus interest!
Bonus savings represents savings in EUR which enables you to obtain a vista interest in the amount of 2,00% annually (EIR 1,80%) as well as a reward for loyalty in form of bonus interest which amounts to 3,00% annually (EIR 2,65%). Bonus interest is calculated on the lowest amount of funds in the previous calendar quarter, starting from the first following quarter in relation to the quarter in which the account was opened. A vista interest rate is calculated by conformal method and is accrued on 31 of December, bonus interest is accrued at the end of every calendar quarter and is calculated by proportional method of calculation.
Interest rate is fixed for the period of 12 months.
EIR is less than the agreed NIR for all foreign currency deposits as it includes capital gains tax in its calculation, in accordance with current legislation. EIR is calculated on 01.12.2011.
Bonus savings enables you to obtain higher amount of interest by regulating minimum amount of savings in the calendar quarter. And if you need your money, you can withdraw it at any time. Bonus savings is as term savings, but always available.
Minimum amount for Bonus savings is 10 EUR.
Announcement is obligatory 2 days earlier for amounts over 600.000 RSD (or equivalent of other currencies).
To open Kombo or Bonus savings accounts all you need is a valid ID card or passport. Opening of these accounts is free of charge.
KEEP IN CLOSE TOUCH WITH YOUR MONEY WHEREVER YOU ARE
Most contemporary Online Banking service of KBC Banka enables you to monitor the balance on your savings accounts at any time and at any place!
For additional information please call KBC Info telephone number (011) 30-50-575 any work day from 9:00 until 18:00 or visit our nearest branch office