Saving represents an important part of the future for everyone. In case you dispose with the sum you prefer to save, either to allocate the funds for the safety of the family, children’s education, purchase of m2 of the space or distant travelling, we have prepared two types of savings with the most favorable interest rates.
In this way you can achieve an attractive amount of interest on deposited funds. Additionally, you secure their safety and availability.

The Bank has defined interest rates for fixed term deposit of legal entities in EUR and USD at the amounts of fixed term deposits of EUR 500,00 to EUR 200,000.00, as well as for the amounts of fixed term deposit of USD 500,00 to USD 200,000.00, for the terms of deposits at 12, 24 and 36 months.
When paying the interest for the savings of natural persons, the Bank shall calculate, terminate and transfer to the Tax Administration of Montenegro the amount of the tax for natural persons’ income, in accordance with the Law on Natural Persons’ Income Tax.
 
Client’s deposits with the Bank are protected in line with the Law on Protection of Deposits.

    Check the conditions for the specific deposit products on the Savings Calculator. 


    To arrange a meeting or learn more details 

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      Rent savings – for all those who want monthly income on their deposited funds (so called, rent), i.e. monthly payment of the interest, whereas the principal is paid after the expiry of deposit period.
       
      Interest is calculated and paid in the deposit currency, on the last day of the month, by transferring net interest to the Bailor's transaction account with the Bank, after the reduction of the natural persons' income tax, which the Bank shall pay on behalf of the Client, in compliance with the Law on Natural Persons' Income Tax.
       
      *  For deposits above 36 month - duration, the interest rate is separately arranged, for each individual case, as well as for the deposits exceeding EUR 200,000.00

      Term

      Standard saving in EUR or USD currency

      Rent savings in EUR or USD currency

      12 months

      2,20%

      2,00%

      24 months

      2,60%

      2,40%

      36 months

      3,00%

      2,90%

      One of the safest ways to increase your company's profitability is to generate revenues from the interest on the deposits. We provide you with the opportunity to employ a surplus of your liquid funds by depositing the funds with us at the very competitive rates for the term period that suits you best, thus achieving security of revenues and good profit


      The Bank has defined the interest rate on term deposits of legal entities in EUR (euro) and USD (US dollars) for the term deposit amounting from EUR/USD 500.00  to EUR/USD 50,000.00  and and for the term deposit  maturity of 12, 24 and 36 months. 


      The client shall pay the tax that will be deducted from the revenues the client has gained on the basis of the interest rate. In the name of and on behalf of the Client – a non-resident legal person, the Bank shall calculate, deduct and transfer the tax payment to the Tax Administration of Montenegro, in accordance with the Law on tax on profit of legal persons.


      Clients’ deposits with the Bank are protected according to the Law on deposit protection

        Check the conditions for the specific deposit products on the Savings Calculator.


        To arrange a meeting or learn more details: 

          Contact us
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          Lastname
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          The term deposits with the interest payable at maturity - in this case the interest on the term deposit is calculated and paid in favor of the Client jointly with the principal amount on a day of the fixed term deposit maturity and the sum is further transferred to the Client’s transaction account;

           

          The interest is calculated and paid upon the term deposit period expiration, on a maturity day, in the currency of the term deposit, by transferring a net interest income to a Client’s transaction account with the Bank, deducted by the amount of the income tax levied on the non resident legal persons that in accordance with the Law on tax on profit of legal persons the Bank shall pay in the name and on behalf of the client.

          Period

          Standard (classic) term deposit in EUR currency

          Annuity Savings EUR

          12 months

          2,40%

          2,20%

          24 months

          2,80%

          2,60%

          36 months

          3,20%

          3,10%

          * For longer than 36 months fixed term deposits as well as for the term deposits exceeding EUR 50,000.00, the interest rates shall be individually contractually agreed for each individual case

          The term deposits with the interest payable at maturity - in this case the interest on the term deposit is calculated and paid in favor of the Client jointly with the principal amount on a day of the fixed term deposit maturity and the sum is further transferred to the Client’s transaction account;


          The interest is calculated and paid upon the term deposit period expiration, on a maturity day, in the currency of the term deposit, by transferring a net interest income to a Client’s transaction account with the Bank, deducted by the amount of the income tax levied on the non resident legal persons that in accordance with the Law on tax on profit of legal persons the Bank shall pay in the name and on behalf of the client.

          Period

          Standard (classic) term deposit in USD currency

          500 – 50 000 USD**

          12 months

          2,60%

          2,50%

          24 months

          3,10%

          3,00%

          36 months

          3,60%

          3,50%

          * For longer than 36 months fixed term deposits as well as for the term deposits exceeding EUR 50,000.00, the interest rates shall be individually contractually agreed for each individual case