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
CurrencyEURUSDCHFAUD
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
CurrencyEURUSDCHFAUD
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 months0,40% 0,30% 0,10% * 0,10% *
13 months 0,40% - - -
24 months 0,45% - - -
36 months 0,50% - - -
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 depositsEURUSDCHFAUD
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 existing deposits when re-timing the same funds or when transferring funds from "at sight" to "term" with maturities of 12, 25 and 36 in EUR, the Bank offers an incentive allowance of the nominal interest rate which ranges up to 2.4%.

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 15.07.2024.
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.

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