Individuals > My Payroll

My Payroll



The product My Payroll is transactional account where you are receiving your salary or pension. My Payroll offers you special terms and benefits, as follows:
  • Overdraft
  • Interest rate on the positive balance on the transactional account
  • Preferred variable interest rates for retail products (Consumer, Car and Housing Loan)
  • Visa Electron Point / American Express Point debit card - with opening the transactional account
  • 50% reduction of the yearly fee for Safe Deposit boxes
  • E - Banking– passive (free of charge) ; active (fees according the Bank's tariff)

  • OVERDRAFT
    Revolving credit line of the transactional account through which the client receives the salary or pension and is used for covering the short-term cash requirements.
    • Amount - two monthly salaries, maximum MKD 200,000
    • Interest rate - 10.25% * yearly is calculated on the used amount
    • Tenor - 12 months with possibility for automatic prolongation
    You can use the overdraft on your transactional account for all your needs in the terms of your approved limit, without having to worry about installments on previously determined dates. Every time when you will use your overdraft, the interest that will be charged is calculated only for the amount and the period that you have used.



    CREDIT CRITERIA
    • The client should be employed 
    • The share of the total monthly debt in the total monthly income should be maximum 60% for employees in public administration and 200 most profitable companies, and 55% for employees in private companies
    • The age of the applicant by the time of the maturity of the overdraft should be less than 72 years






    * The interest rate is variable according to the Decision for interest rates of Silk Road Bank AD Skopje

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