Source: Promo | Tuesday, 08.12.2020.| 11:16
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How to save time and money in the time of coronavirus?

Uncertainty, in every sense, especially financial, has become the mark of our time and a reason to save money responsibly and wisely. But also to always have it available – precisely because we don’t know what tomorrow brings.

On the other hand, each responsible individual tries to reduce the contacts to a minimum, so no one even goes to the bank anymore unless they absolutely have to. The good news is that, thanks to the digitization of the banking sector, we don’t have to go to the bank to finish everything that we have to.

Is it possible to save online?

Since recently, yes. With all this in mind, ProCredit Bank, which has been working on the digitalization of its business for years now, presented a unique online service in our market this year. The service in question is Flex stednja (Flex Savings), which is now available without having to go to the bank, that is, fully online, with identification through a video call.

The main characteristic of this kind of savings is flexibility. What does this mean? Primarily, there is no minimum amount for opening the savings account. Also, you can pay the money to the account and withdraw it from it freely, without any restrictions. When we say without restriction, we mean that clients can manage their savings online, through internet and mobile banking. In other words, they can transfer the money from the savings account to the current account whenever it suits them and from wherever – without any costs.

What happens when you need money urgently?

The procedure of withdrawing money from Flex stednja is also very simple and independent of the bank’s work hours. At ATMs within ProCredit Bank’s Zone 24/7, you can pay and withdraw money from your savings account in the amount of as much as EUR 5,000 a day.

Each time you add or raise money from Flex stednja, there is no termination of fixed-term depositing. You are now probably asking how the interest rate is calculated. That is one of the unique features of this service in our market – it is calculated daily for the amount that is present on the account, and paid monthly.

Security is no less important

We have come to a very important item, which is the trust in the bank you are entrusting your money with. When you are saving money in a bank, the bank further uses the money for retail and corporate lending or to invest in other financial placements depends on its business policies.

That is why it’s important to know where exactly your money is going, or more precisely, where it isn’t, so that you know it’s in a safe place. ProCredit Bank does not invest in speculation activities, does not finance political parties, sports clubs and public enterprises. On the contrary, it helps small and medium local companies, which now employ the majority of the populace and contribute the most to the growth of the GDP.

In its operations, ProCredit Bank complies with the regulations proscribed by the National Bank of Serbia, but also the extremely demanding rules of the German Central Bank, considering that it is the only bank with the German capital in our market. Its operations are also controlled by the German Federal Financial Supervisory Authority (BaFin), which takes care for the operations and investments of the savers’ money to be in line with the highest European standards and the standards of the good German business practice.

All this is confirmation of a truly great savings model, which most suits those who have no time for other banking procedures, who do not want restrictions in the form of time limits within which money is available to them, especially under the current circumstances, but who also don’t want to waive additional income through interest.
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