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Saving

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Types of saving

Štedna knjižica is a type of savings which offers all the advantages of a vista savings. With Štedna knjižica saving, you have the option of obtaining a higher interest rate by increasing the amount of your deposit.

Interest on the Štedna knjižica deposit is accrued quarterly and is recorded for you in a ProCredit Bank savings passbook.

Štedna knjižica effective interest rates:

Amount (EUR)

Interest Rate

Amount
(RSD)

Interest Rate

EIR

NIR

EIR

NIR

Up to 500

1,50%

1,49%

Up to 50.000

5,00%

4,91%

Up to 1.000

1,65%

1,64%

Up to 100.000

5,50%

5,39%

Up to 2.000

1,75%

1,74%

Up to 200.000

6,00%

5,87%

> 2.000

2,00%

1,99%

> 200.000

6,50%

6,35%

Amount (USD)

Interest Rate

Amount (CHF)

Interest Rate

EIR

NIR

EIR

NIR

Up to 500

1,20%

1,19%

Up to 1.000

0,35%

0,34%

Up to 1.000

1,36%

1,35%

Up to
2.000

0,50%

0,49%

Up to 2.000

1,61%

1,60%

Up to
4.000

0,65%

0,64%

> 2.000

1,71%

1,70%

> 4.000

0,80%

0,80%

Minimum amount required: RSD 1,000; EUR 10; USD 10; CHF 10


Spar Klasik, Spar Avans and Spar 50 are types of time deposit savings.

Spar Klasik is time deposit savings with periods of 3,6, 12, 24 and 36 months of time deposit period and interest accrual on client’s account. In contrast to the usual term deposit account, Spar Klasik gives you the option of terminating the deposit prior to maturity - in an efficient and simple manner, and with no penalty for early withdrawal.

With Spar Avans, the interest earned on initial amount is accrued and paid in advance, at the momet of opening of time deposit account.
The most attractive feature of Spar 50 is the option of withdrawing up to 10% of the term deposit prior to maturity. The interest earned is paid at maturity.

Spar Klasik, Avans and 50 effective interest rates for savings in EUR:

Period

Amount up to 10.000 EUR

Amount over 10.000 EUR

EIR

NIR

EIR

NIR

Avans

Klasik i 50

Avans

Klasik, 10 i 50

1 month

2,10%

2,08%

2,08%

2,25%

2,22%

2,23%

3 months

2,80%

2,75%

2,77%

3,25%

3,19%

3,21%

6 months

3,70%

3,60%

3,67%

3,90%

3,79%

3,86%

12 months

4,15%

3,98%

4,15%

4,35%

4,17%

4,35%

24 months

4,25%

3,99%

4,34%

4,45%

4,17%

4,55%

36 months

4,35%

3,99%

4,54%

4,55%

4,17%

4,76%

 

Spar Klasik, Avans and 50 effective interest rates for savings in RSD and USD:

Currency

Period

EIR

NIR

Klasik i 50

Avans

USD

1 month

2,00%

1,98%

1,98%

3 months

2,50%

2,48%

2,46%

6 months

3,00%

2,98%

2,94%

12 months

3,50%

3,50%

3,38%

RSD

1 month

11,00%

10,48%

10,39%

3 months

11,00%

10,57%

10,30%

6 months

11,00%

10,71%

10,17%

12 months

11,00%

11,00%

9,91%

Minimum amount required: RSD 50,000; USD 500;

* 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.
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