General

  • Minimum amount of depositing : 3.000 MKD /50 EUR /50 USD
  • Payment of the interest : on the maturity day or monthly
  • Type of interest rate: Fixed
  • Tenor : up to 36 months
  • Method of calculation of the interest: proportional method (28/31-365/366)
  • Redepositing: At maturity date the deposit is automatically redepositing, under the agreement.
  • Additional investment on the deposit before the maturity day is not allowed
  • Partial withdrawal from the deposit before the expiring day is not allowed,
  • Early termination, In early termination of the contract of deposit the Bank calculates interest with interest rate on demand according to the valid Tariff for the whole time in which the funds were deposited. Also, the depositor is obliged to return the bank the difference between interest paid and new calculated interest or bank it will deduct from the original deposit.

Rates

NOMINAL ANNUAL RATES FROM 01.01.2018

Interest rate for deposit with payment of the interest at the maturity day

 Tenor  Annual interest rates
MKD EUR USD
Sight deposit 0,00% 0,00% 0,00%
month  0,02% 0,01% 0,01%
months  0,10% 0,05% 0,03%
months  0,40% 0,10% 0,05%
12 months  1,30% 0,30% 0,10%
13 months  1,50% 0,50% /
24 months  2,30% 1,00% 0,20%
36 months  2,70% 1,30% /

 

NOMINAL ANNUAL RATES FROM 01.01.2018

Interest rate for deposit with monthly payment of interest

 Tenor  Annual interest rates
MKD EUR
12 months  1,20% 0,20%
24 months  2,20% 0,90%
36 months  2,60% 1,20%

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