Savings interest rates at Serbian banks, October 2026

The rate for the same product at every bank: a 12-month dinar term deposit. Data comes from the banks' official websites; promotional rates show their expiry next to the bank.

How much do you want to deposit?

RSD

Difference between ALTA banka and Raiffeisen for this amount: 25,500 RSD over one year.

Bank ranking

1
ALTA banka
Akcijska ponuda za 12 meseci do 30.10.2026.; standardna stopa za dinare na 12 meseci 5,30%.
6.10%
interest after 12 months: 30,500 RSD
Bank's offer ↗
2
Poštanska štedionica
Klasična oročena dinarska štednja na 12 meseci za iznose do 5.000.000 RSD; promotivna stopa za nove depozite do 31.12.2026.
5.45%
interest after 12 months: 27,250 RSD
Bank's offer ↗
3
OTP banka
Specijalna ponuda za nove depozite (ili uvećanje postojećih za najmanje 50%) do 4.999.999 RSD, od 18.08. do 31.10.2026.; redovna stopa 3,75%.
5.40%
interest after 12 months: 27,000 RSD
Bank's offer ↗
4
Addiko Bank
Reprezentativni primeri na dan 27.07.2026.
5.25%
interest after 12 months: 26,250 RSD
Bank's offer ↗
5
ProCredit Bank
Specijalna ponuda do 31.10.2026.
5.10%
interest after 12 months: 25,500 RSD
Bank's offer ↗
6
API Bank
Reprezentativni primer za 100.000 RSD na 12 meseci, stope važe od 20.10.2026.; minimalni iznos 10.000 RSD.
5.10%
interest after 12 months: 25,500 RSD
Bank's offer ↗
7
NLB Banka
Reprezentativni primer za 600.000 RSD.
5.00%
interest after 12 months: 25,000 RSD
Bank's offer ↗
8
Erste Bank
Standardna oročena štednja na 12 meseci za 100.000-9.999.999 RSD (5,20% tek od 10.000.000 RSD).
5.00%
interest after 12 months: 25,000 RSD
Bank's offer ↗
9
3 Banka
Standardna oročena štednja na 12 meseci, od 500.000 RSD.
5.00%
interest after 12 months: 25,000 RSD
Bank's offer ↗
10
Banca Intesa
Nov depozit od 100.000 RSD na 12 meseci, ponuda do 1.11.2026.; redovna stopa za 100.000-11.999.999 RSD na 12 meseci 4,40%.
4.90%
interest after 12 months: 24,500 RSD
Bank's offer ↗
11
Yettel Bank
Od 60.000 do 2.400.000 RSD.
4.75%
interest after 12 months: 23,750 RSD
Bank's offer ↗
12
AikBank
Online oročena štednja, 100.000 RSD na 12 meseci (kalkulator banke); 6,00% uz prenos zarade se ne računa jer je uslovljena.
4.30%
interest after 12 months: 21,500 RSD
Bank's offer ↗
13
Adriatic Bank
Podaci važe od 13.05.2026.
4.20%
interest after 12 months: 21,000 RSD
Bank's offer ↗
14
UniCredit Bank
Reprezentativni primer za 100.000 RSD.
3.60%
interest after 12 months: 18,000 RSD
Bank's offer ↗
15
Halkbank
Štedni ulozi oročeni na 12 meseci.
2.75%
interest after 12 months: 13,750 RSD
Bank's offer ↗
16
Raiffeisen
Opšte informacije o dinarskom oročenom depozitu: 12 meseci, fiksna stopa, od 20.000 RSD.
1.00%
interest after 12 months: 5,000 RSD
Bank's offer ↗

No confirmed rate: Bank of China, Mirabank, Srpska banka.

How we compare

We compare the nominal annual rate on a 12-month dinar term deposit, from the bank's savings page or price list. Offers that require transferring your salary are excluded because not everyone can get them. Offers for new funds are included, with their expiry. Interest on dinar savings is tax-free.

Rates checked 22 October 2026.

Frequently asked questions

Which bank has the highest savings rate (October 2026)?

For a 12-month dinar term deposit the highest rates are: ALTA banka 6.10%, Poštanska štedionica 5.45%, OTP banka 5.40%.

How much do 500,000 dinars earn in a year?

At ALTA banka the interest after 12 months is ALTA banka_interest, at Raiffeisen it is Raiffeisen_interest.

Is savings interest taxed?

Interest on dinar savings is tax-free. Interest on foreign-currency savings is taxed at 15%.

Are bank deposits insured?

Yes. The Deposit Insurance Agency insures deposits up to EUR 50,000 (or the dinar equivalent) per depositor per bank.

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