Saving, Spar plan

Spar Plan is a type of a vista savings with exceptionally high interest rates (even higher that those for time deposited savings). The essence of this product is that you add a small amount of money to your savings each month.

It is sufficient to activate the standing order and on a certain date, the amount of money determined in the contract will automatically be transferred to your savings account free of charge. You may change the amount of money or dynamics of the transfer at any moment.

You may enjoy the benefits of Spar Plan – savings with a bonus - a 10% interest as a bonus after the contractual period.

Period	Currency	Annual nominaln interest rate
1 year	EUR	3,00%
2 years	EUR	3,30%
3 years	EUR	4,50%
4 years	EUR	4,70%
5 years	EUR	5,80%
Bonus	EUR	10,00%
Effective interest rate for the entire period is 5.00%

EIR for savings in foreign currency savings are brut and include tax according to the Law on tax on income of citizens.

* EIR for savings in foreign currency savings are brut and include tax according to the Law on tax on income of citizens
* Dinar savings are not subject to taxation
** Interest rates are valid for both residents and non-residents
**** Interest rates for dinar term deposits are valid as of December 29, and rates for euro deposits as of July 21.