"Skala" savings in dinars

With our assistance your savings will increase each month

We are encouraging you to save in dinars. You can withdraw money at any time, and the interest increases with each month of your term deposit. "Skala" savings in dinars aims to stimulate continuous savings and to enable you to save according to your current financial situation.

"Skala" savings in dinars includes the following:

  • Interest ranges on a scale from 0.25% to 3.50% – it increases with each month, and after 12 months it reaches 3.50%,
  • You can withdraw money at any time,
  • The procedure is simple and does not require a visit to the bank (monthly payments on term deposit savings are also possible via a standing order from all types of dinar and foreign currency payment accounts in a fixed amount).
  • Product description
  • Representative example
Deposit typeTerm deposit in dinars for "Skala" savings in dinars
Currency in which the client places a depositRSD
Criteria for indexingNo criteria for indexing
The amount of funds that the Bank receives into deposit

The minimum initial deposit is:

  • RSD. 5,000.00 – for owners of Intesa Hit current account
  • RSD. 10,000.00 – for clients who do not have Intesa Hit current account

Each subsequent payment is being term deposited with a maturity date of the initial deposit. Minimum amounts of new payments between two accounting months are:

  • RSD. 2,000.00 – for owners of Intesa Hit current account
  • RSD. 5,000.00 – for clients who do not have Intesa Hit current account
Time period for which the Bank receives the deposit12 months
Minimum monthly payment
  • 2,000 dinars for clients who use Intesa Hit current account
  • 5.000 dinars for clients who do not have Intesa Hit current account

The amount of each individual payment in a single accounting month can be up to five times higher than the initial deposit

Payments in the accounting month *123456789101112
Interest rate (on an annual basis, fixed)0,25%0,5%0,75%1%1,25%1,5%1,75%2%2,25%2,5%3%3,5%

The average interest rate on an annual basis







1,69%




Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
No additional costs
Costs borne by the user and are not known at the moment of publication
No additional costs

Representative example
Deposit typeTerm deposit in dinars for "Skala" savings in dinars
Currency in which the client places a depositRSD
Criteria for indexingNo criteria for indexing
The amount of funds that the Bank receives into deposit10.000 RSD
Monthly payment2,000.00 RSD
Time period for which the Bank receives the deposit12 months
Total savings upon expiry of the term period increased by interest32,426.48
Payments in the accounting month * 123456789101112
Interest rate (on an annual basis, fixed)0,25%0,5%0,75%1%1,25%1,5%1,75%2%2,25%2,5%3%3,5%
The average interest rate on an annual basis1,69%
Costs which are borne by the user, are known at the time of publication and are included in the calculation of the effective interest rate
No additional costs

You can receive other calculations regarding this product in any of our Bank branches

*Payments in each accounting month imply the movement of interest rates according to the specified scale.


Anyone can place a deposit with "Skala" savings (residents and non-residents) if they provide a personal ID card, as well as open a dinars account at any of our branches and deposit a minimum initial investment in the amount of:

  • 5,000 dinars for clients who have a Intesa Hit current account
  • 10,000 dinars for clients who do not have a Intesa Hit current account

The minimum monthly payment is:

  • 2,000 dinars for clients who have a Intesa Hit current account
  • 5,000 dinars for clients who do not have a Intesa Hit current account

The amount of each individual payment in a single accounting month can be up to five times higher than the initial deposit, and the interest is calculated at the end of each month of term deposit and is attributed to the principal amount. If you do not make a new payment every month, the interest will be calculated at the rate which applies for the level reached after your last payment. If no new payment was made during the entire term deposit period of 12 months, the interest is calculated at the rate of 0,25%,which was applicable for the initial deposit.