Fixed term saving
About fixed term savings
For all clients who want to achieve the best relationship between security and profit, while reaching the most favorable interest rates.
Adriatic fixed term savings is a savings with limited duration. During this period, which can be from 3 months to over 24 months, interest is accrued on time deposits, and after the expiration of the agreed period, the user can withdraw the full amount or opt for a new term period.
Term savings can be in euros, but in other currencies, such as the US dollar (USD), the Swiss franc (CHF) and the British pound (GBP).
Advantages of fixed term savings
Termination of fixed term savings
Adriatic fixed term savings can be terminated before the expiry of the agreed term, but only with the consent of the Bank and at the written request of the client.
If the owner of the savings deposit does not cancel the Term Savings Agreement no later than 3 days after the expiry of the term deposit (prolongation period), the Bank renews the term deposit on the same agreed term, but under the conditions valid on the day of term renewal.
On the maturity date, interest is credited to the previous deposit or transferred to the selected current account.
Fixed term savings in euros up to 100.000€
2,00%
From 6 to 9 months
2,20%
From 9 to 12 months
2,50%
From 12 to 18 months
Fixed-term deposit - Adriatic Savings
| PRODUCT TYPE | FIXED-TERM DEPOSIT - ADRIATIC SAVINGS* | |
|---|---|---|
| Product intended for | Residents and non-residents | |
| Minimum deposit amount | EUR 150.00 | |
|
Fixed-term deposit maturity Adriatic savings |
up to 1 month | 0.50% annually |
| from 1 to 3 months | 1.00% annually | |
| from 3 to 6 months | 1.50% annually | |
| from 6 to 9 months | 2.00% annually | |
| from 9 to 12 months | 2.20% annually | |
| from 12 to 18 months | 2.50% annually | |
| from 18 to 24 months | 2.70% annually | |
| from 24 to 36 months | 2.90% annually | |
| *A fixed-term deposit is a type of deposit where the principal increased by interest is paid after the term expires. | ||
| **For fixed-term deposits with a term longer than 36 months or an amount exceeding EUR 100,000.00, the interest rate may differ from the rates stated above and will be agreed individually in accordance with the Authorization Rulebook. | ||
Adriatic fixed term saving - details of informative calculation (EUR)
| Result of informative calculation on 3.6.2025. | |||||||
|---|---|---|---|---|---|---|---|
| Term deposit date: | 3.6.2025. | ||||||
| Term expiry date: | 3.6.2026. | ||||||
| Term maturity | 12 months | ||||||
| The amount of initial fund | 20.000,00 | ||||||
| Method of interest payment | Upon maturity | ||||||
| Period | Initial amount | Total calculated interest decreased for the amount of personal income tax – residents 15% and surtax on tax of 15% | Interest rate | Total balance | |||
| 12 months | 20.000,00 | 364,10 | 2,20% | 20.364,10 | |||
| Total amount of calculated interest | 440 | ||||||
| Personal income tax | 75,90 | ||||||
| Total interest amount to be paid to the user | 364,10 | ||||||
| Total amount at the end of period | 20.364,10 | ||||||
| Effective interest rate | 2,20% | ||||||
Fixed term savings in other currencies (USD, GBP, CHF)
| Deposit value | Interest for period as of: | |||
|---|---|---|---|---|
| 6 months | 12 months | 18 months | 24 months | |
| from 1.000 USD | 0,10% | 0,30% | 0,40% | 0,60% |
| from 1.000 GBP | 0,001% | 0,001% | 0,001% | 0,001% |
| from 5.000 CHF | 0,001% | 0,001% | 0,001% | 0,001% |