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Product description
Children savings „Kolibri“is type of term cumulative savings. It is based on continuous payments on saving account during the term maturity. It is intended for the youngest population (up to 18 years old).
Save on time in order to ensure safe future for your children. Learn children to save!
Advantages of children savings „Kolibri“
- You are choosing the amount and dynamics of the payments according to your possibilities
- Minimal amount of first payment is only 20 EUR
- The amounts of further payments is not conditioned by the Bank
- It is possible payment by free standing order from the current account
- Client does not have to come to the bank if he/she wants to re-term the due savings
Termination of savings
Term savings can be terminated even before expiry of the agreed period, but only with Bank’s approval and according to client’s written consent.
If client does not cancel the Contract on term savings within 3 days after the expiration of the maturity (prolongation date), Bank will renew term on the same agreed period, but according to the conditions which are valid on the day of renewal.
On the day of maturity, interests are attributed to the previous deposit or transferred on chosen transaction account.
Term cumulative savings up to 50.000€:
2,20%
12 months
2,50%
24 months
3,00%
36 months and longer
Term cumulative savings up to 50.000,01 to 100.000€
2,20%
12 months
2,45%
24 months
2,95%
36 months and longer
Adriatic Kolibri savings- details about informative calculation (EUR)
Result of informative calculation on 15.12.2020 | ||||
|---|---|---|---|---|
Term deposit date: | 15.12.2020 | |||
Term expiration date: | 15.12.2021. | |||
Term deposit duration: | 12 months | |||
The amount of initial fund | 100,00 | |||
The amount of monthly obligation | 30,00 | |||
Method of interest payment | Upon maturity | |||
Period | Total payment amount | Total calculated interest decreased for the amount of personal income tax – residents 9% and surtax on tax of 15% | Interest rate | Total balance |
12 m | 360,00 | 5,22 | 2,20% | 365,22 |
Total amount of calculated interest | 5,82 | |||
Personal income tax – residents 9% including surtax on tax of 15% | 0,60 | |||
Total interest amount to be paid to the user | 5,22 | |||
Total amount at the end of period | 365,22 | |||
Effective interest rate | 2,20% | |||
Adriatic Kolibri savings - details about informative calculation (EUR)
Result of informative calculation on 15.12.2020 | ||||
|---|---|---|---|---|
Term deposit date: | 15.12.2020 | |||
Term deposit expiry: | 15.12.2021. | |||
Term deposit duration: | 12 months | |||
The amount of initial fund | 100,00 | |||
The amount of monthly obligation | 30,00 | |||
Method of interest payment | Upon maturity | |||
Period | Total payment amount | Total calculated interest decreased for the amount of personal income tax – residents 9% and surtax on tax of 15% | Interest rate | Total balance |
12 m | 360,00 | 5,22 | 2,20% | 365,22 |
Total amount of calculated interest | 5,82 | |||
Personal income tax – residents 9% including surtax on tax of 15% | 0,60 | |||
Total interest amount to be paid to the user | 5,22 | |||
Total amount at the end of period | 365,22 | |||
Effective interest rate | 2,20% | |||