Special Term Deposit Offer at Zapad Bank

Make a smart move. Choose stability in times of change.

We present a special promotional term deposit offer – designed for those who value stability, predictability, and profitability.

One deposit order. One transaction. One powerful step toward your financial security.

Enjoy our most favourable term-deposit conditions so far – choose the model that best suits your financial plans:
• 13 months – 3,00% (standard);
• 24 months – 3,30% (standard) / 3,20% (interest-paid-monthly);
• 36 months – 3,50% (standard) / 3,40% (interest-paid-monthly).

Promotion valid until 31 January 2026.

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Representative Examples

Standard Term Deposit – 13 months

Deposit amount: EUR 50,000,  Nominal/Effective interest rate: 3.00%,  Net interest earned: EUR 1,385.04

Deposit amount: EUR 50.000,00

Interest calculation method: Compound interest method

Nominal interest rate (fixed, annual): 3,00%

Effective interest rate: 3,00%

Maturity: 13 months

Total gross interest at maturity: EUR 1.629,46

Client tax obligation (personal income tax – 15%): EUR 244,42

Total net interest income: EUR 1.385,04

Total payout (principal + interest): EUR 51.385,04

* Standard term deposit – interest is paid in full together with the principal upon maturity. Net interest is transferred to the client’s transactional account after deduction of 15% personal income tax, which the Bank is obligated to pay on behalf of the client in accordance with the Personal Income Tax Law.

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Monthly-Payout Term Deposit – 36 months

Deposit amount: EUR 50,000,  Nominal/Effective interest rate: 3.40%,  Net interest earned: EUR 4,269.28

Deposit amount: EUR 50.000,00

Interest calculation method: Compound interest method

Nominal interest rate (fixed, annual): 3,40%

Effective interest rate: 3,40%

Maturity: 36 months

Total gross interest at maturity: EUR 5.022,68C

Client tax obligation (personal income tax – 15%): EUR 753,40

Total net interest income: EUR 4.269,28

Total payout (principal + interest): EUR 54.269,28

*Monthly-payout (“rent”) term deposit – interest is paid out monthly, while the principal is paid at maturity. Net interest is transferred to the client’s transactional account after deduction of 15% personal income tax, which the Bank pays on behalf of the client in accordance with the Personal Income Tax Law.            

Your deposit is fully protected

Deposits are insured by the Deposit Protection Fund:
• Before EU accession: EUR 50,000
• After EU accession: EUR 100,000

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Contact us‍

info@zapadbanka.me

+382 20 69 0000

Visit us in Podgorica, Nikšić, Budva, Kotor, Berane and Žabljak.