HALKBANK a.d. Beograd offers you the opportunity to place your available foreign exchange funds into savings in EUR and USD, with term periods from 3 to 36 months on stimulating interest rates. Interest is paid upon expiry of the term period.
It is possible to have an automatic extension of term on the interest rate applicable on the day of extension, with no need for you to go to the Bank.
| Maturity | Interest rate on term deposits 978 - EUR (fixed, p.a.)* | Interest rate on term deposits 840 - USD (fixed, p.a.)* |
| Sight deposits | 0,00% | 0,00% |
| Fixed-term deposits on 3 months | 0,10% | 0,10% |
| Fixed-term deposits on 6 months | 0,20% | 0,20% |
| Fixed-term deposits on 12 months | 0,40% | 0,40% |
| Fixed-term deposits on 24 months | 0,70% | 0,70% |
| Fixed-term deposits on 36 months | 0,70% | 0,70% |
| For term deposit above 10.000,00 EUR with the term of 12, 24 and 36 months | By agreement | By agreement |
*Interest rate are in gross amounts.
The Bank accrues and pays tax on interest income, charging the depositor.
| Amount - 5.000,00 EUR | |||||
| Tax - 15,00% | |||||
| Maturity | Nominal interest rate | Total interest accrued in EUR | Costs paid by client (tax) in EUR | Total amount to be paid to client in EUR | Effective interest rate |
| Fixed-term deposits on 3 months | 0,10% | 1,24 | 0,19 | 5.001,05 | 0,08% |
| Fixed-term deposits on 6 months | 0,20% | 5,01 | 0,75 | 5.004,26 | 0,17% |
| Fixed-term deposits on 12 months | 0,40% | 20,00 | 3,00 | 5.017,00 | 0,34% |
| Fixed-term deposits on 24 months | 0,70% | 70,24 | 10,54 | 5.059,70 | 0,60% |
| Fixed-term deposits on 36 months | 0,70% | 105,80 | 15,87 | 5.089,93 | 0,60% |
You need only your ID document – either valid ID card or passport.
Tax on investment income is paid by the bank on behalf of the client when interest is paid out.
It is not possible to pay additional funds to the term-deposit account during the specific term. If you want this option, HALKBANK has created a special savings model called „Add It Yourself“.
