Savings are important part of the each individual future. If you have a sum of money you want to save, whether you need to allocate funds for the safety of the family, education of children, for purchasing a square meters of space more or travelling far away, for you we have prepared two savings models with the most favorable interest rates. 


By doing so, you gain an attractive amount of the interest on term deposits. Also, you ensure their security and availability.

The Bank has defined interest rates on the term deposits of natural persons in Euros and US dollars, for the amounts of the term deposit from in 500,00 EUR/USD to 50,000.00 EUR/USD and for the term deposit  maturity of 12, 24 and 36 months. 


During the payment of the interest on the savings of natural persons, the Bank shall calculate and deduct the income tax of natural persons and transfer the amount of the tax so deducted to the Tax Administration of Montenegro in accordance with the Law on the income tax of natural persons.


Client deposits with the Bank are protected pursuant 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 

      Rent savings – is intended for all who want monthly interest income on the term deposits, (monthly annuity), i.e. to receive monthly deposit interest rate payment, while the principal amount shall be paid after the maturity of the fixed term period.  


      The interest is calculated and paid in the same currency as the term deposit is made on a last day of a month and the payment of a net interest amount is transferred to the client transaction account deducted by the amount of income tax levied on the natural persons that in accordance with the Law on income tax of natural persons the Bank shall pay in the name and on behalf of the client.


      Two options are offered:

      * With a clause "without the option of early ending the term deposit";

      * * With a clause "with the option of early ending the term deposit up to 20% of the deposit principal amount".

        Period on which the Bank receives 

        the term deposits

        500 – 50 000 EUR*

        500 – 50 000 EUR**

        12 months

        2,20%

        2,00%

        24 months

        2,60%

        2,40%

        36 months

        3,10%

        2,90%

        *Interest rates on the deposits with maturity above 36 months as well as on the term deposits exceeding EUR 50,000.00 shall be individually contractually agreed for each individual case. 

        Rent savings – is intended for all who want monthly interest income on the term deposits, (monthly annuity), i.e. monthly deposit interest rate payment, while the principal amount shall be paid after the maturity of the fixed term period.  


        The interest is calculated and paid in the same currency as the term deposit is made on a last day of a month and the payment of a net interest amount is transferred to the client transaction account deducted by the amount of the income tax levied on the natural persons that in accordance with the Law on income tax of natural persons the Bank shall pay in the name and on behalf of the client.

         

        Two options are offered: 

        * With a clause "without the option to early end the term deposit";

        * * With a clause "with the option to early end the term deposit up to 20% of the deposit principal amount".

          Period on which the Bank

          receives the term deposits

          500 – 50 000 USD*

          500 – 50 000 USD**

          12 months

          2,50%

          2,30%

          24 months

          3,00%

          2,80%

          36 months

          3,50%

          3,30%

          *Interest rates on the deposits with maturity above 36 months as well as on the term deposits exceeding EUR 50,000.00 shall be individually contractually agreed for each individual case