ckb stednja

CKB Anticipative Savings

CKB Anticipative Savings are a special type of term savings, where principal is paid at maturity, i.e. at the end of the term, and interest is paid at the beginning of the term.

Target clients

This type of savings is intended for everyone who wants to save money in a secure way, for a predefined period, with interest to be paid in advance.


  • Interest is calculated and accrued at the time of making a deposit, and paid immediately
  • Minimum deposit is EUR 100
  • Maturity: from 3 to 24 months

To make an initial contract for this type of savings, the client must have a transaction account opened with the Bank. The contract is made against the first initial payment. When making a contract, the client needs to specify how much money he wants to deposit and for how long.

Money can be deposited in several ways by making:

  • cash payment at the Bank counter - classic payment;
  • payment via standing order - payment from transaction account to deposit account;
  • payment from other banks or by general money order - payment is made directly to the Bank's transaction account, with a reference to the contract number.

It is not possible to make several deposits under a single contract, i.e. there is no option of subsequent (successive) deposits under the same contract. Once the contract is made, the interest is automatically transferred to a pre-opened transaction account, reduced by the amount of corresponding capital income tax, and is immediately available for payment. Principal is solely paid upon the contracted maturity.

Interest is accrued only on the basis of the method of daily capitalization of interest. Interest rate depends on the amount of the deposit and the chosen term. Effective interest rates are not equal to nominal interest rates, i.e. they are higher than nominal rates because interest is paid to the client in advance.

As for deposit renewal or automatic contract renewal, when making the contract, the client needs to specify whether he wants the principal to be re-deposited or paid to his transaction account. If the client wants to renew the deposit, the maturity date will also be the deposit renewal date. However, if the client changes his mind in the meantime, he is obliged to inform the Bank by the maturity date that he wants the principal to be paid to his transaction account.

When disbursing interest, the Bank calculates and deducts capital income tax from accrued interest, on behalf of clients and for their account, and then pays it to the prescribed accounts in accordance with applicable legislation as of the interest disbursement date. 

The deposits can be made in euros only.

Deposit Protection Fund

Crnogorska komercijalna banka is a member of the Deposit Protection Fund.