Interest rate

Fixed and variable

Guaranteed return.

Savings period

Up to three years with a fixed interest rate

Over 12 months to 2 years with a variable interest rate.

Digital banking

Opening a deposit online

Via the SKB NET internet bank or MOJ@SKB mobile bank.

DEPOSIT FEATURES

A deposit allows you to grow your savings safely in euros or in other currencies for the duration of a deposit term of your choice.

Informative calculation

The informative calculation takes into account interest rates applicable in the regular offer.

Deposit amount
EUR
Term deposit period

Dodajte varčevanja, ki jih želite primerjati med seboj. Primerjalnik omogoča hiter pregled nad ključnimi lastnostmi.

DEPOSIT

DEPOSIT

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Frequently asked questions

Can I open a term deposit if I am not your client?

You can open a term deposit at any SKB outlet, only if you also open a personal account with at the same time, on which your funds will be released at the maturity of the deposit. 

Can I terminate my deposit early?

During the term of the deposit, you may only withdraw from the contract in cases of proven force majeure:

  • unexpected illness or injury to the depositor or a close family member,
  • death of a close family member,
  • natural disaster.

How is interest taxed?

Taxable persons who are residents of the Republic of Slovenia are required to comply with the Personal Income Tax Act and submit a tax return for interest from cash deposits in banks and savings banks in Slovenia, and in banks and savings banks of other Member States of the EU, by 28 February of the current year for the previous calendar year.

The tax return form is available on the FURS website. The taxpayer can file the return to the tax office located where he/she has permanent residence, or in electronic form using the eDavki system. Taxpayers whose total income from interest accrued does not exceed the legally determined amount are not required to file an income tax return. The tax-exempt amount of income from interest is currently 1,000 EUR.

Based on the tax return, the tax authority issues a tax assessment decision on the amount of personal income tax. The deadline for payment of tax is 30 days from the date of receipt of the decision. As of 1 January 2013, the tax rate on interest is 25 %. This tax is final. Personal income tax is not paid on interest accrued on a positive balance in a transaction account or a personal account.

How is interest compounded on term deposits?

Term deposit with fixed interest rate

The Bank shall calculate interest on a fixed rate term deposit at a fixed interest rate. The rate is set on the day of the contract and does not change during the contractual term.

Term deposit with varible interest rate

The Bank shall calculate interest on a variable rate term deposit at a variable interest rate. The interest rate consists of consists of the 1 or 3 month Euribor rate and a fixed interest rate supplement.

The reference interest rate is calculated daily. The rate is set on the date of conclusion of the contract and changes every three months, counting from the date of conclusion of the contract. At the end of each three-month period, the new reference rate applicable at the date of the change shall be taken into account. The interest rate supplement remains fixed for the entire term of the deposit.

The Bank calculates the interest on a daily basis and proportionally, and pays out or disburses it in accordance with the contractual provisions. The Bank shall calculate interest taking into account the actual number of days in a month and 365/366 days in a year. Days are counted on the first but not the last day of the business event.

The Bank shall calculate interest using a formula where the meanings are as follows:

o = interest

Go = principal

p = interest rate

d = actual number of days in the year for which interest is calculated
 

Are funds placed in a term deposit safe?

Funds held in term deposits are protected pursuant to the Deposit Guarantee Scheme Act.  You can find out more about the Deposit Guarantee Scheme on the website of the Bank of Slovenia.

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Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

It's good to know
whom you trust your finances

SKB bank

  • Excells in safety, stability and reliability in Slovene banking space.
  • Part of Société Générale, one of the largest banking groups in euro zone.
  • Trusted by more than 200.000 clients.

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Digital banking

With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank:

  • Submitting application for approval of extra overdraft facility.
  • Submitting application for order of quick loan.
  • Submitting application for obtaining 
    Mastercard / Visa credit card.
  • Paying and receiving invoices and e-invoices.
  • Overview of balance and spending.

Read more

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