Open a term savings account and deposit dinars:
- for 12 months at an annual nominal interest rate of 5.0% (EIR 5.0%)
- for 6 months at an annual nominal interest rate of 4.0% (EIR 4.0%)
- for 3 months at an annual nominal interest rate of 3.0% (EIR 3.0%)
You can withdraw the sum before the agreed deadline with additional early withdrawal interest of 1,0% annually.
Example of RSD savings |
Period to which the time deposit was made | ||
| 12 months | 6 months | 3 months | |
| Nominal interest rate, fixed annually | 5,0% | 4,0% | 3,0% |
| Effective interest rate, fixed annually | 5,0% | 4,0% | 3,0% |
| RSD 100.000 | 5.000 RSD | 1.975 RSD | 748 RSD |
| The amount in RSD which user gets when the depositing is over | 105.000,00 RSD | 101.975,00 RSD | 100.748,00 RSD |
| Criteria for indexing | - | - | - |
| Costs paid by the user and included in the EKS calculation | - | - | - |
Note: The stated interest rates are valid in the period from 24.10. from 10 a.m. until November 30, 2022. The example was made under the assumption that the money was deposited in the term savings account on 10/18/2022. year, according to the interest rates that are in use in the specified period.
The amount of funds from the table that you will receive at the end of your deposit period is stated on the assumption that the funds deposited are not withdrawn by the term specified in the agreement.
If you completely cancel your time deposit before the term or close your term deposit account, your interest will be 1.00%. The aforementioned interest will be calculated as of the moment when the term begins until the moment when the agreement is terminated. No tax is charged on income made from interest on RSD savings.
So how do I start saving?
It’s very simple! There are no additional costs for opening and maintaining a savings account, and you can go through the complete process of opening your savings account online.
If you want to save in dinars, but you do not have an account with Mobi Banka – the opening process is simple, free, and fast, and you can do it wherever you are. If you already use our services, you can open your RSD term deposit account straight away through your mobile or internet application. The only thing that will be left for you to do is to wait for your interest and afford everything you have been planning to buy for a long time.
Savings offer
| Amount | 60.000 - 100.000.000 RSD* | |||
| Currency | RSD | |||
| Term | 12 months | 6 months | 3 months | |
| Annual interest rate | 12 months - 5.0% |
6 months - 4.0% | 3 months - 3.0% | |
| Annual interest in the event of complete premature term cancellation | 12 months – 1,00% |
6 months – 1,00% | 3 months – 1,00% | |
| Interest type | Annual interest rate, fixed | Annual interest rate, fixed | Annual interest rate, fixed | |
| Interest calculation method | Conform method | Conform method | Conform method | |
| Maturity date | 12 months of the date when term deposit account was opened | 6 months of the date when term deposit account was opened | 3 months of the date when term deposit account was opened | |
| Beginning of use | Date when term deposit account was opened | Date when term deposit account was opened | Date when term deposit account was opened | |
| Collaterals | Mobi Banka guarantees for the invested assets on the RSD term deposit account with its total assets in accordance with the agreement. | Mobi Banka guarantees for the invested assets on the RSD term deposit account with its total assets in accordance with the agreement. | Mobi Banka guarantees for the invested assets on the RSD term deposit account with its total assets in accordance with the agreement. | |
| Number of products per client | You can have an unlimited number of term deposit accounts | You can have an unlimited number of term deposit accounts | You can have an unlimited number of term deposit accounts | |
* The total amount of deposits per client can be RSD 100,000,000 RSD.