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Basic savings

Crédit Agricole Serbia allows you to allocate your assets to different deposit terms and it pays interest on all your assets deposited with us. Term deposits are available as:

1.  DEPOSITS IN RSD

 

2.  DEPOSITS IN EUR

 

 

 

 

Term Deposits in RSD

  • Type of deposit: RSD deposit
  • Currency in which the client makes a deposit: RSD
  • Indexing criteria: no indexing criteria
  • Amount of funds received by the Bank as a deposit: min. amount RSD 10,000
  • Deposit period: 1, 3, 6, 12, 24, 36 months
  • Interest rate: annual and fixed
  • Tables with IR and a Representative example
  • The effective interest rate is equal to the nominal interest rate.
  • Additional costs: no

 

AMOUNT OF FUNDS

1 MONTH

3 MONTHS

6 MONTHS

12 MONTHS

24 MONTHS

36 MONTHS

from 10.000 RSD

0,50%

1,50%

2,00%

2,50%

2,60%

2,70%

Representative example in RSD:
CLASSIC TERM SAVINGS
Deposit type Dinar deposit with calculation and attribuition of interest upon maturity of the deposit
Deposit currency RSD
Criteria for indexing No criteria for indexing
Deposit amount 300,000 RSD 300,000 RSD 300,000 RSD 300,000 RSD 300,000 RSD 300,000 RSD
Time period 1 month 3 months 6 months 12 months 24 months 36 months
Nominal interest rate (on an annual basis, fixed) 0.50% 1.50% 2.00% 2.50% 2.60% 2.70%
Effective interest rate (on an annual basis) 0.50% 1.50% 2.00% 2.50% 2.60% 2.70%
Total savings upon expiry of the term period increased by interest, and reduced for the amount of tax liability 300,122.67 RSD 301,112.60 RSD 302,956.32 RSD 307,494.71 RSD 315,797.16 RSD 324,955.98 RSD
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
No additional costs

Term deposit in EUR

  • Type of deposit: EUR
  • Currency in which the client makes a deposit: EUR
  • Indexing criteria: no indexing criteria
  • Amount of funds received by the Bank as a deposit: min. amount EUR 500
  • Deposit period: 3, 6 and 12 months 
  • Interest rates: annual and fixed
  • Additional costs: no

TERM DEPOSIT - EUR

DEPOSIT AMOUNT

3 months

6 months

12 months

NIR

EIR

NIR

EIR

NIR

EIR

≥ 500 EUR

0,10%

0,09%

0,30%

0,25%

0,40%

0,34%

 

Representative example of EUR savings:
CLASSIC TERM SAVINGS
Deposit type Foreign currency deposit with calculation and attribution upon maturity of deposit
Deposit currency EUR
Criteria for indexing No criteria for indexing
Deposit amount 50,000 EUR 50,000 EUR 50,000 EUR
Time period 3 months 6 months 12 months
Nominal interest rate (on an annual basis, fixed) 0.10% 0.30% 0.50%
Effective interest rate (on an annual basis) 0.09% 0.25% 0.43%
Total savings upon expiry of the term period increased by interest, and reduced for the amount of tax liability 50,010.57 EUR 50,063.09 EUR 50,212.36 EUR
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
Tax liability - 15.00% 1.86 EUR 11.13 EUR 37.47 EUR

*The stated amount includes interest income tax based on interest.
Payment of interest on foreign currency savings is made after deduction of tax in accordance with the Law on Personal Income Tax, which is paid by the Bank on behalf of the Depositor.
The effective interest rate is lower than the nominal interest rate due to the inclusion of interest tax in the calculation of EIR.

 

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