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Otvorena Savings is the most flexible model of savings, intended for everyone who wishes to make multiple term deposits during the whole deposit period.
You can save by paying one time deposit or pay several times during the deposit period.
The dynamics of payments and their amount - you can choose yourself! If you opt for regular monthly payments, you can arrange a standing order, and the Bank will use it to make payments of the funds from your current account.
You can deposit your savings deposit in EUR, USD, AUD, CAD and GBP currencies.
The interest rate increases depending on the amount of funds on the account.
You may dispose of your savings deposit even before the expiry of the term deposit period, without a fee and disbursement of interest (accrued according to the interest rate in accordance with the Bank's Decision on Interest Rates). Upon expiry of the term deposit period, the savings deposit and total interest are automatically renewed, and there is no need for you to come to a branch.
Benefits
An automatic renewal of savings, there is no need for you to come to a branch
Multiple payments at your convenience, you can choose the dynamics and amounts of payments
The possibility of payment by standing order
The possibility of early termination
Use m-zaba to monitor the progress of your savings and make desired deposits by yourself
Conditions
The possibility of depositing in foreign currencies - the minimum amount of term deposit is EUR 15 (i.e. the equivalent of another foreign currency).
Foreign currency term deposit period from 18 to 60 months.
The agreed interest rate is fixed.
Interest rates are expressed on an annual basis.
Required documents
Identification document (ID card or passport)
Arrangement
You can open an Open Savings at any Zagrebačka banka branch or via e-zaba.
You do not need to arrange a standing order if you open an Open Savings model. With the Open Savings model you have the possibility to make multiple payments over the term deposit period, with a dynamics of your choice.
Activation
You can use the funds at any time. If you make an early withdrawal of fixed-term deposits, an interest rate for demand deposit is accrued on the deposit.
It is not required for you to be a client of the Bank in order to open any model of term deposit, but with arranging the product you become our client.
Use
The tax and surtax on the interest are calculated, suspended and paid by the Bank on behalf of the client on the day of accruing or disbursement of interest.
It is interest rate charged on the funds that are on a vista accounts.
A vista accounts or sight deposit accounts are accounts with funds that are immediately available to a client with no time limits or restrictions in terms of the number of payments or payouts. This usually applies to current, multi-currency and giro accounts as well as to savings books.
Security
Deposits in Zagrebačka bank are insured by the Croatian deposit insurance agency up to EUR 100,000, per person.
The insured amount is the depositor's amount in a credit institution on the day of an insured event, up to EUR 100,000 on the day of the insured event.
The following deposits are insured: deposits of natural persons, companies, non-profit institutions and local and regional self-governments whose budget for the previous year amounted to a maximum of 500.000 EUR in credit institutions that are authorized to work by the Croatian National Bank and in branches of such credit institutions in other Member States.
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