Foreign currency savings
Take the right opportunity to term foreign currency savings under favorable conditions
Favourable interest rates
for term deposits
Different term periods
1, 3, 6, 9, 12, 25 and 36 months
Free account opening and maintenance
No additional indexing
Choose the NLB Komercijalna banka savings account:
Special offer for all term amounts (there is no minimum deposit amount)
Automatic transfer and liquidation of term savings to a foreign currency account at the end of the term
Even more favorable terms for amounts over 50,000 EUR/USD
Retail deposits in the deposited currency, no additional indexation
Term foreign currency and get special benefits
Open a savings account free of charge
Quickly and easily at the nearest branch
Increase your savings deposit on favorable terms
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We are here to answer all your questions.
Representative examples
Take a look at the representative example of the savings model of your interest
| FX deposit with the calculation and accrual of interest upon maturity of deposit | |||
|---|---|---|---|
| Amount of deposit | 10,000.00 | ||
| Period to which the Bank accepts the deposit | 6 months | 9 months | 12 months |
| Currency of placed deposit | EUR / USD | ||
| Indexing criteria | No indexing criteria | ||
| Nominal interest rate (per annum, fixed) | 3.70% | 3.70% | 3.70% |
| Effective interest rate (per annum) | 3.11% | 3.13% | 3.15% |
| Total amount the user will receive after the locked period | 10,154.53 | 10,234.15 | 10,314.50 |
| Expenses borne by the user that are factored into the calculation of the effective interest rate | - | ||
| Tax liability - 15% | 27.27 | 41.32 | 55.50 |
| FX deposit with the calculation and accrual of interest upon maturity of deposit | |||
|---|---|---|---|
| Amount of deposit | 100,000.00 | ||
| Period to which the Bank accepts the deposit | 6 months | 9 months | 12 months |
| Currency of placed deposit | EUR / USD | ||
| Indexing criteria | No indexing criteria | ||
| Nominal interest rate (per annum, fixed) | 3.70% | 3.70% | 3.70% |
| Effective interest rate (per annum) | 3.11% | 3.13% | 3.15% |
| Total amount the user will receive after the locked period | 101,545.29 | 102,341.49 | 103,145.00 |
| Expenses borne by the user that are factored into the calculation of the effective interest rate | - | ||
| Tax liability - 15% | 272.70 | 413.20 | 555.00 |
Representative example as of 27.11.2025.
| FX deposit with the calculation and accrual of interest upon maturity of deposit | |||||||
|---|---|---|---|---|---|---|---|
| Amount of deposit | 10,000.00 | ||||||
| Period to which the Bank accepts the deposit | 1 month | 3 months | 6 months | 9 months | 12 months | 25 months | 36 months |
| Currency of placed deposit | EUR / USD | ||||||
| Indexing criteria | No indexing criteria | ||||||
| Nominal interest rate (per annum, fixed) | 0.30% | 0.50% | 3.00% | 3.00% | 3.00% | 2.10% | 2.10% |
| Effective interest rate (per annum) | 0.25% | 0.42% | 2.53% | 2.54% | 2.55% | 1.79% | 1.79% |
| Total amount the user will receive after the locked period | 10,002.09 | 10,010.57 | 10,125.51 | 10,190.02 | 10,255.00 | 10,375.90 | 10,546.99 |
| Expenses borne by the user that are factored into the calculation of the effective interest rate | - | ||||||
| Tax liability – 15% | 0.37 | 1.87 | 20.15 | 33.53 | 45.00 | 66.33 | 96.53 |
| FX deposit with the calculation and accrual of interest upon maturity of the deposit | |||||||
|---|---|---|---|---|---|---|---|
| Amount of deposit | 100,000.00 | ||||||
| Period to which the Bank accepts the deposit | 1 month | 3 months | 6 months | 9 months | 12 months | 25 months | 36 months |
| Currency of placed deposit | EUR / USD | ||||||
| Indexing criteria | No indexing criteria | ||||||
| Nominal interest rate (per annum, fixed) | 0.30% | 0.50% | 3.00% | 3.00% | 3.00% | 2.20% | 2.20% |
| Effective interest rate (per annum) | 0.25% | 0.42% | 2.53% | 2.54% | 2.55% | 1.87% | 1.88% |
| Total amount the user will receive after the locked period | 100,020.93 | 100,105.76 | 101,255.10 | 101,900.14 | 102,550.00 | 103,940.08 | 105,736.13 |
| Expenses borne by the user that are factored into the calculation of the effective interest rate | - | ||||||
| Tax liability – 15% | 3.69 | 18.66 | 221.49 | 335.32 | 450.00 | 695.31 | 1,012.26 |
Representative example as of 27.11.2025.
Documents
| Overview of interest rates for fixed-term deposits on special terms for the currencies EUR and USD | |||
|---|---|---|---|
| Locked period | Locked amount EUR/USD | Interest rate for the currency EUR | Interest rate for the currency USD |
| 1 month | for all amounts | Nominal interest rate 0.30% Effective interest rate 0.25% | Nominal interest rate 0.30% Effective interest rate 0.25% |
| 3 months | for all amounts | Nominal interest rate 0.50% Effective interest rate 0.42% | Nominal interest rate 0.50% Effective interest rate 0.42% |
| 6 months | for all amounts | Nominal interest rate 3.00% Effective interest rate 2.53% | Nominal interest rate 3.00% Effective interest rate 2.53% |
| 9 months | for all amounts | Nominal interest rate 3.00% Effective interest rate 2.54% | Nominal interest rate 3.00% Effective interest rate 2.54% |
| 12 months | for all amounts | Nominal interest rate 3.00% Effective interest rate 2.55% | Nominal interest rate 3.00% Effective interest rate 2.55% |
| 25 months | up to 50,000 EUR/USD | Nominal interest rate 2.10% Effective interest rate 1.79% | Nominal interest rate 2.10% Effective interest rate 1.79% |
| from 50,001 EUR/USD | Nominal interest rate 2.20% Effective interest rate 1.87% | Nominal interest rate 2.20% Effective interest rate 1.87% | |
| 36 months | up to 50,000 EUR/USD | Nominal interest rate 2.10% Effective interest rate 1.79% | Nominal interest rate 2.10% Effective interest rate 1.79% |
| from 50,001 EUR/USD | Nominal interest rate 2.20% Effective interest rate 1.88% | Nominal interest rate 2.20% Effective interest rate 1.88% | |
