Individuals > Deposits > Silk Premium Open td

Deposits

Discover the deposits offered by our bank


Silk Premium Open TD combines the advantages of time depositing of the cash funds and the privileges and beneficiaries of the prestige American Express Gold credit card<

Main features of the product:
  • TD with interest payment at maturity
  • Tenor: 13 and 25 months
  • Currency: MKD / EUR
  • Minimum amount: MKD 300.000/EUR 5.000)
  • Possibility for deposit additional funds during the life cycle of the TD
  • Possibility for auto roll-over
  • Interest rate – variable during the whole period
Interest Rates till 31.03.2019
13 months25 months
EURMKDEURMKD
EUR 5.000 - 15.000
(MKD 300.000 – MKD 900.000)
0.70% *1.20%1.20%2.10%*
EUR 15.001 - 30.000
(MKD 900.001 – MKD 1.800.000)
0.80% *1.30%1.40%2.20%*
Over EUR 30.001
(MKD 1.800.001)
0.90% *1.40%*1.60%2.30%*
Interest Rates - as of 01.04.2019
13 months25 months
MKDEUR
EUR 5.000 - 15.000
(MKD 300.000 – MKD 900.000)
1.17%
(NRKS – 0.77%)
1.2%
(6 months Euribor +1.2%)
EUR 15.001 - 30.000
(MKD 900.001 – MKD 1.800.000)
1.27%
(NRKS – 0.67%)
1.4%
(6 months Euribor +1.4%)
Over EUR 30.001
(MKD 1.800.001)
1.37%
(NRKS – 0.57%)
1.6%
(6 months Euribor +1.6%)

Product marked with (*) are suspended, the interest rates are valid only for the existing TDs.

All clients – users of Silk Premium TD who at the same time are pay roll clients are eligible for American Express Gold credit card with pre-approved limit. 

The Bank keeps the right to change the terms without a prior notice
.

The National Reference Interest Rate (NRKS) is part of the variable interest rates for the deposits in MKD and it’s published on web site of the NBRM with title “Interest rate of deposits in MKD without FX clause”. NRKS is being updated every 6 months on 1.01 and 1.07 every year, based on the latest published for the preceding period. 6 (six-month) Euribor is used for deposits in EUR with variable interest rate as a reference interest rate. If the Euribor rate is below zero, it will be considered zero. The interest rate adjustment will be performed on a six month basis, at 1.01 and 1.07 every year according to the 6 (six-month) Euribor rate, which is valid on the last working day of the previous semester.

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