The money will always be available to you, while at the same time you will be able to save and increase your foreign currency savings every month, with a total interest rate of 0.42%.
How to get sight savings?
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Check out why Mobi Banka has over 10,000 active savings accounts and why almost 10% of foreign currency sight savings in Serbia are with us.
In case of possible change or cancellation of the additional benefit in the form of Bonus interest, the Bank will notify you at least 30 days in advance, indicating the status of the benefit we provide.
Foreign currency sight deposits
- The calculation and crediting of interest is carried out at the end of each month or at the time of interruption of savings, whereby the money is transferred to the current account, noting that a 15% tax is paid on the income from interest on savings in foreign currency.
- There is no minimum, nor maximum amount that can be deposited.
- You can have more than one savings account.
- The condition for opening a sight deposit account is an open current account with Mobi Banka (it is enough to have a Lite account that is free of charge), as well as an active (mobile or web) Mobi Banka application that you will use to activate the savings account.
- In case of possible change or cancellation of the additional benefit in the form of Bonus interest, the Bank will notify you at least 30 days in advance, indicating the status of the benefit we provide.
Example of foreign currency sight savings without change of principal for 12 months
| Period to which the money is deposited to savings account |
12 months |
| Nominal fixed annual interest rate |
0,01% |
| Additional benefit (Bonus interest rate) |
0.49% |
| Amount deposited | 10.000 EUR |
| Interest rate amount | 50 EUR |
| Tax Amount | 7.5 EUR |
| Amount to be paid | 10.042,50 EUR |
| Effective interest rate, fixed on annual level (consisting of the contracted fixed annual interest rate of 0.01% and the additional benefit (Bonus interest rate) of 0.49%, less the amount of calculated tax) |
0.42% |
| Indexation criteria | none |
| Additional costs that are borne by the client and are included in calculation of the EIR | none |
Note: The example was made on the assumption that the money was deposited to a savings account on 06 October 2023. The example was made on the assumption that the additional benefit in the form of Bonus Interest remains unchanged in the period for which the calculation was made.
In the example shown, the interest on savings is calculated assuming that the specified account balance will be unchanged for a period of 12 months, without increasing or decreasing the deposit. A tax of 15% is calculated on interest on savings in euros.
Example was created by applying the contracted NIR and Bonus interest rates, which are calculated and paid together.