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Small steps

towards safe future

Oročena štednja u UniCredit Banci

Term savings in euros, dinars and dollars for existing deposits

  • Support for your savings for the future

  • Safe return of money and earnings

  • Fixed interest

I want to invest money

Why term your savings or spare cash

If you have a certain amount of money or savings in euros, dinars or dollars, which you will not need in the coming period, we suggest that you put your money on time.

It is a safe investment, therefore safe earnings. A term deposit allows your money to earn interest in the form of interest at a fixed rate, for a certain period of time. A fixed interest rate on a term deposit means that even if market interest rates fall, your savings will continue to earn the same level of interest.

It's a great savings plan that shouldn't be overlooked, especially for impulse buyers.

One of the best things about a fixed deposit is that it is fee-free and even earns money.

 

Possibilities of term savings in UniCredit

  • Dinar and foreign currency savings in EUR and USD, for a term of 1 to 36 months.
  • We offer you flexibility in choosing the terms of automatic rescheduling of your deposit.
  • It is your decision whether to reschedule only the principal/principal and interest or if you want your savings to be transferred to your savings/current account after the expiry of the term
  • Interest payment in savings currency
  • Multiple lots per client allowed
  • Minimum amount for installment: 50 EUR, 75 USD, 2,000 RSD
  • Insight into the balance of your deposit with mobile banking and electronic banking services

Term savings in euros, dinars and dollars for new deposits

  • The minimum amount for installments is 50 EUR
  • The term period is: 1, 3, 6, 12, 25 and 36 months
  • Nominal interest rate for term in euros for new deposits

0.20% for 1 month, EKS 0.17%

1.25% for 3 months, EKS 1.08%

2,05% na 6 meseci, EKS 1,77% 

2,15% na 12 meseci, EKS 1,85%

1,85% na 25 meseci, EKS 1,58%

2,10% na 36 meseci, EKS 1,78%

Currency EUR

  • Payment in savings currency
  • Multiple lots per client allowed
  • Termination conditions or if you want to access your money before the expiry of the term:
  1. If the client submits a request for termination of the term within the first 12 months, the interest rate will be calculated and credited at sight
  2. If the client cancels the funds after the end of the first 12 months of the contracted period, the NKS provided for 12 months is attributed
  3. If the client cancels the funds after the expiration of 24/25 months of the contracted period, the NKS provided for 24/25 months for existing and new deposits is attributed

A representative example for term savings in euros

Calculations for fixed-term savings in euros were made on 01.06.2025.

The currency in which the deposit is contracted Period during which the bank receives the deposit (in months) The amount of funds that the bank receives on deposit Criteria for deposit indexing NKS on an annual basis, fixed EKS on an annual basis The total amount of the deposit and bruto interest at maturity Costs borne by the user Tax liability

EUR

1

5.000 EUR

no indexing criteria

0.20%

0.17%

5.000,83 EUR

no additional costs

0.13 EUR

EUR

3

5.000 EUR

no indexing criteria

1.25%

1.08%

5.015,97 EUR

no additional costs

2.40 EUR

EUR

6

5.000 EUR

no indexing criteria

2.05%

1.77%

5.052,10 EUR

no additional costs

7.82 EUR

EUR

12

5.000 EUR

no indexing criteria

2.15%

1,85%

5.108,99 EUR

no additional costs

16.35 EUR

EUR

25

5.000 EUR

no indexing criteria

1.85%

1,58%

5.195,28 EUR

no additional costs

29.29 EUR

EUR

36

5.000 EUR

no indexing criteria

2.10%

1,78%

5.319,67 EUR

no additional costs

47.95 EUR
  • The minimum amount for installments is 2000 RSD
  • The term period is: 1, 3, 6, 12, 24 and 36 months
  • Nominal interest rate for term in dinars for new deposits:

·       0,10% on 1 month, EKS 0,10%

·       1,50% on 3 month, EKS 1,53%

·       2,00% on  6 month, EKS 2,04%

·       1,70% on 12 month, EKS 1,72%

·       1,30% on 24 month, EKS 1,31%

·       1,20% on 36 month, EKS 1,20%

 

  • RSD currency
  • Payment in savings currency
  • Multiple lots per client allowed
  • Termination conditions or if you want to access your money before the expiry of the term:
  1. If the client submits a request for termination of the term within the first 12 months, the interest rate will be calculated and credited at sight
  2. If the client cancels the funds after the end of the first 12 months of the contracted period, the NKS provided for 12 months is attributed
  3. If the client cancels the funds after the expiration of 24/25 months of the contracted period, the NKS provided for 24/25 months for existing and new deposits is attributed

REPRESENTATIVE EXAMPLE FOR TERM SAVINGS IN DINARS

Calculations for term savings in dinars were made on 1.12.2024.

The currency in which the deposit is contracted Period during which the bank receives the deposit (in months) The amount of funds that the bank receives on deposit Criteria for deposit indexing NKS on an annual basis, fixed EKS on an annual basis The total amount of the deposit and interest at maturity Costs borne by the user
RSD
 7 days 100.000 RSD no indexing criteria

0,00%

0,00%

100.000,00 RSD

 no additional costs
RSD
 1 month
 100.000 RSD
 no indexing criteria

0,10%

0,10%

100.009,17 RSD

 no additional costs
RSD 3 month
 100.000 RSD no indexing criteria

1,50%

1,53%

100.383,33 RSD

 no additional costs
RSD 6 month
 100.000 RSD no indexing criteria

2,10%

2,04%

101.016,67 RSD

 no additional costs
RSD 12 month 100.000 RSD no indexing criteria

1.70%

1,72%

101.723,61 RSD

 no additional costs
RSD 24 month 100.000 RSD no indexing criteria

1.30%

1,31%

102.636,11 RSD

 no additional costs
RSD 36 month 100.000 RSD no indexing criteria

1.20%

1,20%

103.650,00 RSD

 no additional costs
  • The minimum amount for installments is 75 USD
  • The term period is: 1, 3, 6, 12, 24 and 36 months
  • Nominal term interest rate in dollars for new deposits:

·       0,20% on 1 month, EKS 0,17%

·       1,40% on  3 month, EKS 1,22%

·       1,50% on 6 month, EKS 1,30%

·       1,80% on 12 month, EKS 1,55%

·       1,60% on 24 month, EKS 1,37%

·       1,40% on 36 month, EKS 1,19%

 

  • Currency USD
  • Payment in savings currency
  • Multiple lots per client allowed
  • Termination conditions or if you want to access your money before the expiry of the term:
  1. If the client submits a request for termination of the term within the first 12 months, the interest rate will be calculated and credited at sight
  2. If the client cancels the funds after the end of the first 12 months of the contracted period, the NKS provided for 12 months is attributed
  3. If the client cancels the funds after the expiration of 24/25 months of the contracted period, the NKS provided for 24/25 months for existing and new deposits is attributed

REPRESENTATIVE EXAMPLE FOR TERM SAVINGS IN DOLLARS

Calculations for term savings in dollars were made on 1.12.2024.

The currency in which the deposit is contracted Period during which the bank receives the deposit (in months) The amount of funds that the bank receives on deposit Criteria for deposit indexing NKS on an annual basis, fixed EKS on an annual basis The total amount of the deposit and bruto interest at maturity Costs borne by the user Tax liability
USD
 1 5.000 USD
 no indexing criteria

0.20%

0.17%

5.000,92 USD

 no additional costs

0.14 USD
USD 3 5.000 USD
 no indexing criteria

1.40%

1.21%

5.017,89 USD

 no additional costs

2.68 USD
USD 6 5.000 USD
 no indexing criteria

1.50%

1.30%

5.038,13 USD

 no additional costs

5.72 USD
USD 12 5.000 USD
 no indexing criteria

1.80%

1.55%

5.091,25 USD

 no additional costs

13,69 USD
USD 24 5.000 USD no indexing criteria

1.60%

1.37%

5.162,22 USD

 no additional costs

24,33 USD
USD 36 5.000 USD no indexing criteria

1.40%

1.19%

5.212,92 USD

 no additional costs

31,94 USD
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