Savings
KBC Banka offers favorable interest for term savings and a vista savings in RSD and foreign currency. Depending on the term period, you can choose savings type that suits you the most. We offer a wide variety of possibilities that can satisfy the most diverse clients’ needs. After the expiration of the time deposit period, the Bank calculates and accrues the interest to the deposit and depending on your further plans you can draw the interest or you can renew the time deposit for the same or different period of time.
Savings in KBC Banka:
- Savings account opening and maintenance is free of charge
- Savings accounts can be opened for both Serbian and foreign physical persons on the basis of personal ID card or passport.
Non-termed savings
- Cash is available at any time
- Deposits can be made in the following currencies: RSD, EUR, USD and CHF
- Interest rate is variable
- For RSD: The Bank may change the interest rate on the first working day of each calendar quarter in the way that the annual interest rate will amount to 30% of the REPO rate which was in effect on the 10th day in the month, previous to the quarter in which change was made.
- For EUR, USD, CHF: The Bank may change the interest rate on the first working day of each calendar quarter in the way that the annual interest rate will amount to 50% of 12M EURIBOR for funds in EUR i.e. 12M LIBOR rate for funds in USD and CHF, which was in effect on the 10th day in the month, previous to the quarter in which change was made, rounded to the lower decimal.
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.
- Interest rate is calculated according to the conform method and accrued to the deposit at the end of the calendar year
Capital gains tax from interest is calculated in accordance with the legal regulations in force.
Announcement is obligatory 2 days earlier for amounts over 600.000 RSD (or equivalent of other currencies).
| Non-termed savings | ||||
|---|---|---|---|---|
| Currency | RSD | EUR | USD | CHF |
| NIR | 6,00% | 2,50% | 0,80% | 0,50% |
| EIR | 6,00% | 2,21% | 0,72% | 0,45% |
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!
Term deposit savings
- Fixed term period
- For RSD: 1, 3, 6, 9 and 12 months
- For EUR: 1, 3, 6, 9, 12, 24 and 36 months
- For USD,CHF: 3, 6 and 12 months
- Deposits can be made in the following currencies: RSD, EUR, USD and CHF
- Minimum deposit amounts are 20.000 RSD, 500 EUR, 500 USD, 500 CHF
- Interest rate is fixed for the given term period 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.
- Interest is calculated and accrued to the deposit upon expiration of term period
Capital gains tax from interest is calculated in accordance with the legal regulations in force.
Announcement is obligatory 2 days earlier for amounts over 600.000 RSD (or equivalent of other currencies).
| Term deposit | ||||||||
|---|---|---|---|---|---|---|---|---|
| RSD | EUR | USD | CHF | |||||
| Term period | Interest rate | |||||||
| NIR | EIR | NIR | EIR | NIR | EIR | NIR | EIR | |
| 1 months | 7,00% | 7,00% | 3,00% | 2,70% | - | - | - | - |
| 3 months | 9,00% | 9,00% | 3,75% | 3,37% | 1,00% | 0,90% | 0,80% | 0,72% |
| 6 months | 10,00% | 10,00% | 4,25% | 3,82% | 1,20% | 1,08% | 1,00% | 0,90% |
| 9 months | 10,50% | 10,50% | 4,75% | 4,27% | - | - | - | - |
| 12 months | 11,00% | 11,00% | 5,00% | 4,50% | 1,35% | 1,22% | 1,10% | 0,99% |
| 24 months | - | - | 5,00% | 4,51% | - | - | - | - |
| 36 months | - | - | 5,00% | 4,52% | - | - | - | - |
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!
Rental savings
- Rental savings enables regular payment of interest in the course of term deposit duration which will be effected as the payment of a rent, i.e., as additional regular income
- Deposits can be made in EUR and RSD
- For RSD: 12 and 24 months
- For EUR: 12, 24 and 36 months
- Interest rate is fixed for the given term period and is calculated according to the conform method and is paid monthly 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.
- Interest payments can be executed in foreign currency or RSD and interest is transferred to your current account or non-termed deposit domestic and foreign currency savings account
- Minimum deposits are 5.000 EUR and 300.000 RSD
Capital gains tax from interest is calculated in accordance with the legal regulations in force.
Announcement is obligatory 2 days earlier for amounts over 600.000 RSD (or equivalent of other currencies).
| Rental savings | ||||
|---|---|---|---|---|
| RSD | EUR | |||
| term period | Interest rate | |||
| NIR | EIR | NIR | EIR | |
| 12 months | 9,50% | 9,50% | 4,75% | 4,27% |
| 24 months | 10,00% | 10,00% | 4,80% | 4,31% |
| 36 months | - | - | 4,90% | 4,40% |
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