Individuals > Deposits > Foreign currency
Deposits
Discover the deposits offered by our bank
The foreign currency deposits are managed on foreign currency accounts and foreign currency savings deposits.
The foreign currency accounts and foreign currency savings deposit pertaining to domestic and foreign individuals may be opened only with a suitable ID document at all Bank's counters.
The foreign currency deposits may be:
- at sight
- fixed-term
| Foreign Currency Deposits at sight | ||||
| Currency | EUR | USD | CHF | AUD |
| payment accounts | 0,00% | 0,00% | 0,00% | 0,00% |
| savings deposit | 0,00% | 0,00% | 0,00% | 0,00% |
| Foreign Currency Deposits with fixed interest rate | ||||
| Currency | EUR | USD | CHF | AUD |
| 1 month | 0,01% | 0,01% | 0,01% * | 0,01% * |
| 3 months | 0,03% | 0,05% | 0,03% * | 0,03% * |
| 6 months | 0,15% | 0,15% | 0,05% * | 0,05% * |
| 9 months | 0,00% | 0,20% | 0,07% * | 0,07% * |
| 12 months | 0,40% | 0,30% | 0,10% * | 0,10% * |
| 13 months | 0,60% | - | - | - |
| 24 months | 0,80% | - | - | - |
| 36 months | 1,10% | - | - | - |
| 60 months | 1.30% | - | - | - |
| Minimum amount for term deposits: EUR 100.00, exept for 13 months deposit where the min. amount is EUR 250.00 | ||||
| Foreign Currency Deposits with variable interest rate | ||||
| Term deposits | EUR | USD | CHF | AUD |
| 6 months* | 0.00% | 0.15% | 0.05% | 0.05% |
| 9 months* | 0.00% | 0.20% | 0.10% | 0.10% |
| 12 months* | 0.30% | 0.30% | 0.15% | 0.15% |
| 13 months* | 0.35% | - | - | - |
| 15 months* | 0.00% | - | - | - |
| 18 months* | 0.00% | - | - | - |
| 24 months* | 0.60% | - | - | - |
| 36 months* | 1.00% | - | - | - |
| 48 months* | 1.40% | - | - | - |
| 60 months* | 1.20% | - | - | - |
| Other currencies: corresponding amount for MKD 6,000.00 | ||||
For early installments of a deposit agreement with monthly interest payment, the depositor is obliged to return the paid monthly interest to the Bank, otherwise, the Bank will deduct it from the deposit.
The interest rates are effective as of 01.07.2023.
The products marked with (*) are suspended, the IR's are valid only for the existing term deposits.
The savings deposits are insured at the Deposits Insurance Fund Skopje.
According with the agreement, the IR are fixed.
The interest is calculated with proportional method.
The Bank keeps the right to change the terms without a prior notice.