"Perspective Smart"
- Up to 5.50%* fixed yield per year – the smart solution for your funds
Currencies
EUR or USD
Opportunities
Possibility of opening at the bank's office
Advantages
Fixed yield up to 5.5% per annum
Term
24, 36, 48 or 60 months
"Perspective Smart" is an alternative solution with which you generate income from your free funds for a period of 24, 36, 48 or 60 months with the opportunity of an automatic extension for the same period.
Product characteristics:
- For individuals and business customers;
- Currency: EUR and USD;
- Minimum amount: 10 000 EUR/USD for business customers;
- Maximum amount: 24 999.99 EUR/USD
- Term: 24, 36, 48 or 60 months with automatic extension for the same term;
- Interest:
EUR | USD | |
24 months | 2.50% | 2.50% |
36 months | 4.00% | 4.00% |
48 months | 5.00% | 5.00% |
60 months | 5.50% | 5.50% |
- Interest payment: Every 6 months during the term of the contract;
- Payment of principal: On maturity date;
- Increasing the size of the deposited amount (making additional deposit): Not available;
- Early termination by the client: Not available;
- Fees and commissions: No opening, servicing and closing fees.
Example of determining yield from Perspective Smart for contracts concluded in EUR after 23.02.2026
| Deposited amount | Date of opening | Term date | Annual interest for Perspective | Total interest paid for the term of the contract | Total principal + interest |
24 months | 10 000 euro | 01.03.2026 | 01.03.2028 | 2.50% | 500* euro | 106 000 Euro |
36 months | 10 000 euro | 01.03.2026 | 01.03.2029 | 4.00% | 1 200* euro | 113 500 Euro |
48 months | 10 000 euro | 01.03.2026 | 01.03.2030 | 5.00% | 2 000* euro | 122 000 Euro |
60 months | 10 000 euro | 01.03.2026 | 01.03.2031 | 5.50% | 2 750* euro | 130 000 Euro |
* Tax is due on the calculated yield, which is not deducted from the specified amount. For individuals, the tax is withheld by the Bank at the time of interest payment.
In relation to the product, all the rules applicable to the so-called "acceptable liabilities of the entities for restructuring" within the meaning of Art. 69a of the Recovery and Restructuring of Credit Institutions and Investment Intermediaries Act, such as the Bank's obligations arising under the contract meet all relevant requirements for acceptable obligations. The client's receivables do not fall within the scope of Section I of Chapter Three of the Bank Deposit Guarantee Act.
Warning: This material is for informational purposes only. It does not constitute and should not be perceived as investment advice, recommendation or consultation. The data used in the example is illustrative.
