General

GENERAL

Open a child deposit and increase your child's saving habit. Create a more secure and happy future for your child with additional deposit investments. For the small saver you will be issued a designed children's savings book and a gift from HALKI.

  • Minimum amount of depositing: 1.000 MKD / 20 EUR
  • Method of calculation of the interest:proportional method (28-31/365-6)
  • Payment of the interest:on the maturity day
  • Type of interest rate:fixed
  • Redepositing: at maturity the deposit is automatically redeposited (principal and interest). In case of redepositing, the contract is renewed with a fixed interest rate from the product Child Savings in accordance with the Decision on deposit interest rates that are valid at the moment of redepositing.
  • Partial withdrawal:is not allowed before the maturity day. In case of partial payment, the contract is terminated in full and no interest is paid.
  • Additional investment:can be made on the deposit: at the bank counters, with a standing order and through the electronic banking of the parent.
  • Early termination: On early termination of the deposit, the Bank calculates interest with interest rate on demand according to the valid Decision for passive interest rates of the Bank which is 0% at this moment.

Required documents for opening a time deposit for children are an ID card for a legal representative (parent or guardian) and a birth certificate of the child.

For additional information, please contact us at the e-mail address: deposits@halkbank.mk

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Rates and Fees

RATES

ANNUAL INTEREST RATES FROM 15.11.2020

Tenor MKD EUR
25 months 1.10% * 0.60% *
36 months 1.20% 0.80%
48 months 1.50% 1.00%
60 months     1.70%     1.20%    

* Promotional interest rates for a period of 25 months only in October - the month of savings. Interest rates are valid for all newly opened deposits in the period 01.10 - 30.11.2021.

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