Rental savings

Rental savings is is our special savings product, which enables you to earn regular interest income during the time deposit duration, effected to you as the rent payment. The Bank will transfer the interest to your sight foreign currency account on monthly basis.

Minimal rental savings amount is EUR 1.000, 00.

Compound method shall be applied for the purpose of interest calculation. Nominal interest rate is fixed and i.e. may not be changed during the deposit tenor. Interest will be calculated and paid in the deposit currency.

In the depositor’s name and for his account, the Bank shall make necessary deductions from the net accrued interest amount in order to pay the interest income tax in conformity with the Individual Income Tax Law.

Product Basuc Features

Deposit TypeForeign currency deposit with monthly interest calculation and payment
Deposit CurrencyEUR
Deposit AmountTime deposit minimum amount EUR 1000.00
Indexation CriteriaNo indexation
Interest Rate (Nominal – NIR and Effective - EIR)Fixed annual
Charges borne by the client which are recognized
in the moment of publishing, to be applied in EIR calculation
15.00% Capital (interest) income tax
Charges borne by the client not recognized
in the moment of publishing
No additional expenses


Rental Savings Terms (Interest rates applicable from October 31, 2015)

Deposit Time 12 months
Interest Rate p.a.1.00%


Automatic Time Deposit Renewal

The Bank shall inform the Depositor on terms of deposits renewal at least 15 days prior to time deposit’s expiration. The Depositor is entitled to terminate the Time Deposit Contract within the period of 30 days from reception of Bank’s notice.

Unless the Depositor terminate the Time Deposit Contract in 30 days from reception of Bank’s notice, the Deposit shall be considered as automatically renewed for the same period and with the interest rate stated in the Bank’s notice.

Deposit Insurance

JUBMES banka is a participant of the mandatory deposit insurance system governed by the laws of the Republic of Serbia.

Detailed information available at
You will receive our offer related to rental savings at Bank Branch counters.
The Bank shall treat data on saving deposits as business secret, guaranteeing full data safety and deposits availability.


+381 11 2205-690