Special Savings Conditions at Universal Capital Bank

Invest in Security: Special Savings Conditions at Universal Capital Bank

At a time when investment security is more important than ever, Universal Capital Bank AD Podgorica has once again prepared a special offer on the occasion of the World Savings Week, designed for all clients (retail and businesses), who wish to ensure stability and plan their future. The Bank offers special terms for anticipative and term (deposit) savings, with interest rates of up to 3.40% per annum, intended for everyone who wants to place their funds in safe hands.

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Two Types of Savings – Your Choice of Stability and Flexibility

Universal Capital Bank offers clients the opportunity to choose between term (deposit) savings and anticipative savings, depending on their personal needs and financial plans:

• Anticipative savings is a form of savings in which interest is calculated and paid in advance, i.e., at the moment of deposit placement. The client receives the interest immediately, while the principal remains deposited until the end of the agreed term. In this case, the funds cannot be withdrawn before maturity.
• Term (deposit) means that interest is calculated and credited upon maturity of the deposit. This option allows the client, if they decide to withdraw the funds before maturity, to do so, whereby the interest is calculated at the rate applicable for the period from the date of deposit until the withdrawal date.

This offer is valid until 31 December 2025.

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Key Benefits of Saving with Universal Capital Bank

• Fast Interest Payment: Take advantage of anticipative savings and receive your interest immediately after depositing your funds — no need to wait until maturity.
• Attractive Interest Rate: UCB offers an annual interest rate of up to 3.40%, significantly increasing the value of your savings.
• Flexible Options: Choose the savings method that best suits your goals and financial situation.

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Representative example for legal entities:

For a deposit of EUR 10,000 over a period of 36 months, with a nominal annual interest rate (NIR) of 3.40% and an effective annual interest rate (EIR) of 3.40%, the total amount the client will receive is EUR 10,897.21, consisting of the principal of EUR 10,000.00 and interest of EUR 1,055.40, reduced by the tax amount of EUR 158.32 (15%).

Saving is not just about setting money aside today – it’s an investment in a peaceful and stable tomorrow. Universal Capital Bank recognises the importance of saving as the foundation of financial security and therefore offers its clients solutions that combine reliability, profitability, and flexibility.

Take advantage of the Savings Week offer and start your journey toward financial stability with Universal Capital Bank.

Don’t wait for the future to come – start building it today.

For more details about the offer and conditions, visit our website or the nearest branch of the Bank.

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