Term savings is characterised by higher earnings on the invested funds than compared to some other savings models, but clients may not dispose of the savings deposits prior to the expiry of term deposit period defined by the agreement.

Therefore, term savings represent the best solution if you wish to ensure high return and if you are ready to avail of the funds placed as a savings deposit only after the expiry of the agreed term deposit period.

Combined savings is a model of savings that follows modern banking trends and represents a combination of investment into classical term savings and Open-End Investment Fund Raiffeisen WORLD, managed by Investment Fund Management Company Raiffeisen INVEST a.d. Beograd, while fully guaranteeing return on initial investment upon the expiry of the term deposit period. Combine savings with investment, while maintaining safety of the savings!

Step savings is characterised by tiered increase of the interest rate, depending on the length of the period during which the funds were held in the account. The special advantage of this savings model is possibility for a client to access the funds deposited in the account at any moment.

Therefore, step savings is an optimal form of savings from the aspect of funds availability and interest rate.

Savings Plan is a model of call savings which allows you, through small sum of regular monthly payments, to develop your personal savings plan and to be rewarded for your savings habits by attractive interest rate. With Savings Plan you may feel that savings need not mean sacrificing. You will be pleasantly surprised to see how much you can save this way.

Call deposits is characterised by availability of the deposited funds at any time, without any constraints. For that reason, call savings deposits represent the most flexible savings model.

MinMax savings are a very simple and very effective way for transferring funds between dinar and foreign currency current accounts. With MinMax savings clients have the possibility to form a perfect balance between saving and their everyday needs.