with a fixed interest rate.
with a fixed interest rate.
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.
The deposit interests are paid upon its maturity. If you deposit funds in the amount of EUR 50,000 or more, the interest on the deposit can also be paid to you monthly, on your personal account opened with SKB.
Term deposits can be opened in euros (the minimum amount is 250 EUR), US dollars (the minimum amount is 300 USD), Swiss francs (the minimum amount is CHF 400 CHF) or British pounds (the minimum amount is 200 GBP).
Pursuant to the Slovene Personal Income Tax Act, interest on cash deposits over the amount of 1,000 EUR is taxed at 25%. Every year until December 31 you have the option of deferring interest for all long-term savings, whereby the total amount of interest is divided among the individual savings years.
We offer the option of automatic renewal option for the deposit principal (interest is paid to a personal account opened with SKB) or the option of automatic renewal of the principal of the deposit with the accumulated interest.
The funds held in term deposits are protected pursuant to the Deposit Guarantee Scheme Act.
If you require access to your funds held in term deposits, we can grant a lombard loan against the opened deposit that will be repaid with the deposited funds at maturity.
The informative calculation takes into account interest rates applicable in the regular offer.
Dodajte varčevanja, ki jih želite primerjati med seboj. Primerjalnik omogoča hiter pregled nad ključnimi lastnostmi.
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.
During the term of the deposit, you may only withdraw from the contract in cases of proven force majeure:
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.
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
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.
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.
You can expect the most from saving for distant goals if you save regularly and start saving as soon as possible. Before you start saving, it is crucial that you set goals, expectations, and time horizons for saving.
A savings plan is a form of regular periodic (e.g. monthly) savings. It is especially suitable for investors who do not yet have a large amount of financial savings, and those who wish to gradually save in selected funds.
SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.
I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.
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