Deposits

NAŠA BANKA offers its clients a wide range of savings options. In addition to sight savings, the following savings options are available: Oročena nenamjenske štednje, Rentna štednja, Slobodna štednja, Stepenasta štednja, Dječija avista štednja i Dječija oročena štednja.

  • Your deposits are insured under the Deposit Insurance Law with the Deposit Insurance Agency of Bosnia and Herzegovina.
  • Opening a savings account is free of charge.

 

  • Sight savings

Sight saving allows you to safe, easy and complete control of your money, with no time limits or restrictions on deposits or withdrawals. You can open an account for free and without having to pay costs when depositing or withdrawing funds

The bank does not accrue interest on sight savings.

 

  • Non-purpose term savings

Term savings in local or foreign currency is intended for all clients who decide to save their money by making a one-time payment in a secure manner, for a fixed period of time at a fixed interest rate for the selected term period.

Term savings deposits can be paid out immediately after the expiration of the agreed term or a new term deposit agreement can be made when you choose whether to deposit the total principal amount and interest or only a part of that amount.

You can dispose of the money before the expiration of the term, with a written request where the Bank calculates interest on term deposits up to 12 months and interest on term deposits over 12 months and before the expiration of the term, applies the interest rate for the closest realized term of the term.

Depending on the currency and the term, the interest rates are as shown on the table below:

 

Currency

KM/EUR

OTHER CURRENCIES

 Terms

EIR

EIR

Non-purpose 1 month term savings:

0,10%

0,00%

Non-purpose 2 month term savings:

0,10%

0,00%

Non-purpose 3 month term savings:

0,10%

0,00%

Non-purpose 6 month term savings:

0,60%

0,00%

Non-purpose 12 month term savings:

1,10%

0,00%

Non-purpose 13 month term savings:

1,90%

0,00%

Non-purpose 24 month term savings:

2,10%

0,00%

Non-purpose term savings with a term of 36 months or more:

2,40%

0,00%

* Effective Interest rate (EIR) is equivalent to the Nominal Interest Rate (NIR)

Minimum stake in value/counter value of 500,00 BAM

 

Interest in non-purpose term savings is calculated monthly, and interest is credited upon expiry of the term, that is, as agreed. The interest on the time deposit is calculated using the compound (interest) method.

 

  • Rent Saving

Rent Saving in local or foreign currencies is intended for those who want to dispose of the interest each month during the term of deposits. The amount of interest represents the income that is automatically available to you through a savings account in local or foreign currency, while still maintaining your principal.

Upon the expiry of the contracted period, the contract is renegotiated and extended for the same period at the interest rate applicable on the day of the contract extension.

You can dispose of the money before the expiration of the term, with a written request where the Bank calculates interest on term deposits up to 12 months and interest on term deposits over 12 months and before the expiration of the term, applies the interest rate for the closest realized term of the term.

Depending on the currency and the term, the interest rates are as shown on the table below:

 

 

Currency

KM/EUR

OTHER CURRENCIES

 Terms

EIR

EIR

Rent Savings with a term of 13 months:

1,70%

0,00%

Rent Savings with a term of 24 months:

2,00%

0,00%

Rent Savings with a term of 36 months:

2,30%

0,00%

* Effective Interest rate (EIR) is equivalent to the Nominal Interest Rate (NIR)

Minimum initial deposit in value/counter value of 500.00 BAM

 

Interest in Rent savings is calculated and credited monthly to a transaction account of a natural person (KM or foreign currency account) in the currency in which the deposit is made. The calculation of interest in Rent savings is done by the compound (interest) method.

 

  • Open Savings

Open Savings in local or foreign currencies (EUR) allows you to safely, easily and completely dispose of your own money. The minimum initial stake is KM 1,000.00, or EUR 511.29. You can make additional investments as well as withdraw funds during the term period, provided that the balance on the account after each payment is equal to or more than the minimum initial deposit.

Upon the expiry of the contracted period, the contract is renegotiated and extended for the same period at the interest rate applicable on the day of the contract extension.

The Open Savings Account is not intended to be used for payment transactions.


Depending on the currency and the term, the interest rates are as shown on the table below:

 

Currency

KM/EUR

OTHER CURRENCIES

 Terms

EIR

EIR

Open Savings with a term of 13 months:

1,30%

0,00%

Open Savings with a term of 24 months:

1,60%

0,00%

Open Savings with a term of 36 months:

2,10%

0,00%

* Effective Interest rate (EIR) is equivalent to the Nominal Interest Rate (NIR)

Minimum initial deposit in value/counter value of 1,000.00 BAM

Interest in Free savings is calculated on a monthly basis and interest is credited at the end of the calendar year. The interest in free savings is calculated using the compound (interest) method.

 

 

  • Stage savings

Stage savings in local or foreign currency (EUR) is intended for anyone who wants to deposit additional funds at different amounts and time intervals. The minimum initial stake is KM 100.00, or EUR 51.13. You can make additional investments where the additional stake must be at least equal to the initial stake.

Upon the expiry of the contracted period, the contract is renegotiated and extended for the same period at the interest rate applicable on the day of the contract extension.

You can dispose of the money before the expiration of the term, with a written request where the Bank calculates interest on term deposits up to 6 months and interest on term deposits over 6 months and before the expiration of the term, applies the interest rate for the closest realized term of the term.

Depending on the currency and the term, the interest rates are as shown on the table below:

 

Currency

KM/EUR

 Terms

EIR

Stage Savings with a term of 6 months:

0,50%

Stage Savings with a term of 12 months:

0,90%

Stage Savings with a term of 18 months:

1,30%

Stage Savings with a term of 24 months:

1,80%

Stage Savings with a term of 30 months:

2,00%

Stage Savings with a term of 36 months:

2,20%

Effective Interest rate (EIR) is equivalent to the Nominal Interest Rate (NIR)

Minimum deposit in value/counter value of 500,00 BAM

Interest in Stage Savings is calculated on a monthly basis and interest is credited at the end of the calendar year. The calculation of interest on Stage Savings is done by the compound (interest) method.

 

  • Children's a-vista savings

Children's a-vista savings in local or foreign currency (EUR) is intended for your minor children under 18 years of age. The savings account is opened by parents or legal representatives or guardians, and the account holder must be a child under the age of 18, with a copy of the birth certificate and the identity card of the parent or guardian. As a guardian or legal representative, you can make additional investments as well as withdraw funds during the term period, at which interest is calculated at a fixed interest rate.

You are allowed to make a maximum deposit of up to KM 1,000 (equivalent in EUR currency) during one business year.

In case of early termination of the Agreement, the Bank pays you interest calculated at a fixed annual interest rate on avista deposits and does not charge additional costs related to termination of the Agreement.

Currency

KM/EUR

 Terms

EIR

Children's a-vista savings (children under 18 years of age):

0,80%

Effective Interest rate (EIR) is equivalent to the Nominal Interest Rate (NIR)

Minimum deposit in value/counter value of 50,00 BAM

Interest in Children's a-vista savings is calculated on a monthly basis, and the interest is credited at the end of the calendar year, that is, until the age of 18. Interest calculation on children's a-vista savings is done by the compound (interest) method.

 

  • Children's term savings

Children's term savings in local or foreign currency (EUR) is intended for your minor children under 18 years of age. The savings account is opened by parents or legal representatives or guardians, and the account holder must be a child under the age of 18, with a copy of the birth certificate and the identity card of the parent or guardian. The funds are deposited for a fixed term on a one-time payment. If the Depositor turns eighteen years of age during the term of the term, the Agreement is considered automatically terminated and the Bank gives Depositor the deposit together with accrued interest.

 

You can dispose of the money before the expiration of the term, with a written request when the Bank calculates interest on term deposits up to 12 months and interest on term deposits more than 12 months and, before the expiry of the term, applies the interest rate for the nearest term.

Depending on the currency and the term, the interest rates are as shown on the table below:

Currency

KM/EUR

 Terms

EIR

Children's 1 month term savings:

0,20%

Children's 2 month term savings:

0,20%

Children's 3 month term savings:

0,20%

Children's 6 month term savings:

0,70%

Children's 12 month term savings:

1,20%

Children's 13 month term savings:

2,00%

Children's 24 month term savings:

2,20%

Children's term savings with a term of 36 months or more:

2,50%

Effective Interest rate (EIR) is equivalent to the Nominal Interest Rate (NIR)

 

Maximum deposit value / counter value up to 50.000,00 KM   

Interest in Children's term savings is calculated on a monthly basis, and interest accruals after the expiry of the term, ie up to the age of 18 years. The interest in the term savings is calculated using the compound (interest) method.