Saving dynamics
At maturity
the saved funds with accumulated interest are released to your SKB personal account.
Regular saving
30 EUR per month
is the minimum mandatory monthly deposit.
Special offer
Additional discounts
when applying for a housing or consumer loan.
GOAL-BASED SAVINGS ACCOUNT FEATURES
Do you have a goal in mind and are you ready to start saving? If you start now,you can make it!
SAVINGS TERM
5-year term savings account.
INTEREST RATE
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.
FUNDS AVAILABILITY
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.
DEPOSITING FUNDS
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.
HAVE FULL CONTROL OVER YOUR SAVINGS
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.
OPENING AN ACCOUNT
You can fill out an application to open an account via the SKB NET online bank or in person at your nearest SKB outlet.
Add the savings which you would like to compare. The comparison enables a quick overview of key characteristics.
Select saving
DEPOSIT
GOAL-BASED SAVINGS ACCOUNT
LOYALTY SAVINGS ACCOUNT
TROJNI PLUS SAVINGS ACCOUNT
ADDITIONAL BENEFITS
After the end of the saving period, you have, as a saver, a further 1 year of benefits when taking:
- a consumer loan (up to 6 years) or
- a housing loan (up to 15 years).
You can also transfer loan benefits to:
- a spouse;
- a child of legal age;
- a grandchild of legal age.
Loan amount:
- up to three times the saved funds acquired only by monthly deposits via standing order. Additional deposits and standing orders are not included in the loan amount.
Lower fixed interest rate when taking a loan:
- housing loan – interest rate lower by 0.30 percentage point as compared to the interest rate in regular offer;
- consumer loan – interest rate lower by 0.20 percentage point as compared to the interest rate in regular offer.
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.
Frequently asked questions
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 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.
Are funds placed in a savings account safe?
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.
How is interest compounded in a Goal-based savings account?
The Bank calculates interest on funds held in a Goal-based savings account at a fixed interest rate, which is determined by the contract and does not change for the entire period defined by the contract.
The Bank calculates the interest on a daily basis and proportionally, and compounds it on the last day of each calendar year and when the savings account is closed. 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
Do I need to be an SKB personal account holder?
Yes, in order to open a Goal-based savings account, you must have a personal account with SKB.
What should I do if I wish to close my savings account early?
The savings account holder may withdraw from the contract with 31 days notification before the end of each year of the savings term.
The savings account holder should submit a written letter of withdrawal from the contract at the bank outlet where the savings account was opened.
If the savings account holder withdraws from the contract, the Bank closes the savings account on the 92nd day or on the first following business day, counted from the day when the savings term ends. The saved funds with the added interest are transferred to the SKB personal account of the savings account holder specified in the contract.
The savings account holder may withdraw from the contract before the end of the savings term due to exceptional circumstances (unexpected illness or injury to the savings account holder or a close family member, death of a close family member, natural disaster).
If the savings account holder wishes to withdraw from the contract before the end of the savings term due to exceptional circumstances, a written request must be submitted to the Bank, detailing the reason for the withdrawal due to exceptional circumstances, and supporting evidence must be provided.
In case of a withdrawal from the contract before the end of the savings term due to exceptional circumstances, the Bank shall immediately close the savings account and transfer the savings, reduced by a savings account closure fee, to the personal account of the savings account holder specified in the contract.
In case of an early withdrawal from the contract, the Bank shall charge the savings account holder a savings account closure fee, in accordance with the applicable SKB's Service Pricelist for Individuals.
How is interest compounded in a Goal-based savings account?
The Bank calculates interest in Goal-based savings account at a fixed interest rate, which is determined by the contract and may change during the period defined by the contract.
The Bank shall inform the holder of the savings account of the new interest rate within the time limit and in the manner agreed in the General Terms and Conditions for Savings Accounts. The applicable interest rate is set out in the Interest Rates document, which can be viewed on the Bank's website and in SKB's outlets.
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
It's good to know
whom you trust your finances
SKB bank
- Excells in safety, stability and reliability in Slovene banking space.
- Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
- Trusted by more than 200.000 clients.
What do our clients say about us?
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.
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.
Flik immediate free transfers
Pay with Flik - anytime, anywhere:
- Simple- all you need is a mobile phone number
or an e-mail of the recipient. - Quick- money is in the account in a few seconds.
Even outside the bank's working hours. - Secure- the same level of security as for payments through
the mobile bank or internet bank.
