the saved funds with accumulated interest are released to your SKB personal account.
is the minimum mandatory monthly deposit.
when applying for a housing or consumer loan.
Do you have a goal in mind and are you ready to start saving? If you start now,you can make it!
5-year term savings account.
Interests on the funds are calculated at a fixed interest rate, which may change, pursuant to point 9 of the General terms and conditions. In the event of early withdrawal, the savings are repaid at a lower fixed interest rate.
The funds cannot be accessed during the savings term. At the end of the term, the saved funds with the accumulated interest are transferred to your SKB personal account.
A monthly deposit via standing order of at least 30 EUR is mandatory. Additional monthly deposits and additional standing orders up to a maximum of 500 EUR per month are optional. You can deposit additional funds on your savings account via the online bank SKB NET and the mobile bank MOJ@SKB.
You can manage your savings via the online bank SKB NET and the mobile bank MOJ@SKB. At the end of each calendar year and at the closing of your savings account, you will receive a balance and turnover statement.
You can fill out an application to open an account via the SKB NET online bank or in person at your nearest SKB outlet.
As of October 1, 2023, we stopped offering the Goal-based savings account to new customers. For existing customers the goal-based savings account is offered under unchanged conditions until the savings period expires.
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 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.
Article 84 of the Personal Income Tax Act allows the taxpayer to add the interest earned on long-term deposits and savings at banks and savings banks to the tax base in the amount attributable to each year of income tax calculation. This means that the tax on interest is spread over as many years as the deposit or savings period lasts.
Bank 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.
Yes, in order to open a Goal-based savings account, you must have a personal account with SKB.
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.
