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Children’s savings

General

For parents who think about the future of their children, Halkbank has created savings that will be available to the child when he/she comes of age.

The interest rate is fixed during the whole period, and/or until the child turns eighteen.

Benefits

  • Minimum deposit EUR 100
  • You can pay in additional deposits any time, in minimum amount of EUR 20
  • You can make additional payments in any Halkbank branch, via E-Banking / M-Banking or standing order for foreign exchange savings
  • In the event that you need money, you can withdraw the total amount any time

Terms and conditions

Child’s age at the moment of placing term deposit

Term period

Interest rate on term deposits

978 - EUR

(fixed, p.a.)*

Up to 5 years

13 -18 years

2,00%

6 - 15 years

3 -12 years

1,30%

16 - 17 years

1 - 2 years

0,80%

*Interest rates are in gross amount

The Bank calculates and pays tax on interest income, charging the depositor.



Representative example

Deposit amount - 1.000,00 EUR

Tax - 15,00%

Term period

Total interest accrued in EUR

Costs paid by client(tax) in EUR

Total amount to be paid to client in EUR

Effective interest rate

Fixed-term deposit on 2 years

16,05

2,41

1.013,64

0,68%


Questions

What documents do I need to open a savings account?

You need only an ID document – either an ID card or passport of the parent or guardian and birth certificate for the child.


Are regular monthly payments obligatory?

It is not necessary to pay every month, you determine frequency in accordance with your possibilities and wishes.

E-MAIL:

tekuci.racun@halkbank.rs

office@halkbank.rs

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