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Denar demand and term savings



The denar demand and time savings of Komercijalna Banka AD Skopje are a flexible way of saving and increasing the amount of your deposited money. By making the choice of the period of the time savings and the respective interest rate, you will use the opportunity to create the most convenient savings product by your own.


You will be given a pass book for your denar savings deposit in which the Bank shall record the deposits, withdrawals, statement and the calculated interest on the savings deposit. Opening a pass book is against presentation of identity card for residents and passport for non-residents, at any counter of the Bank in the city-branches in Skopje and in branches and city-branches throughout the country.



Interest rates


The Bank shall pay the following interest on the denar demand and time savings deposits:

Time savings depositsInterest rate p.a./variableWay of interest paymentValid from:
at sight 0.01 upon expiry of the calendar year 01.08.2015
on 1 month 0.03 upon expiry of the period 01.08.2015
on 15 days 0.02 upon expiry of the period 01.08.2015
on 2 months 0.04 upon expiry of the period 01.08.2015
on 3 months 0.30 upon expiry of the period 01.08.2015
on 6 months 0.80 upon expiry of the period 01.08.2015
on 12 months 2.00 upon expiry of the period 01.06.2016
on 24 months 3.00 upon expiry of the period 01.06.2016
on 36 months 3.30 upon expiry of the period 01.06.2016

 The interest rates are calculated on annual basis and are variable. Komercijalna Banka AD Skopje pays the interest on the 3, 6, 12, 24 and 36 months deposits:

  • on the day of the expiry date, or
  • monthly, if the deposit has a clause for monthly withdrawal of the interest.


For denar deposits over MKD 1,000,000.00 the Bank offers agreed interest rates depending on the maturity and the extent of the deposit and they are from 0.18% - 4.90%.



The minimal time deposit with monthly withdrawal of interest is in the amount of 100,000.00 denars.



The total deposits of the Bank’s depositors are insured with the Deposits Insurance Fund. The Fund shall compensate the total deposits per depositor (Personal Reg. No.), but not exceeding the denar counter value of EUR 30,000 with a single bank, foreign bank subsidiary or savings house, calculated at medium exchange rate of NBRM. This amount shall include the deposit principal, calculated and added interest, as well as interest undue up to the date of the decision effectiveness.

Contact persons

Ivan Karev, Head of Savings Unit
Phone: (+389 2) 3168-262
Fax: (+389 2) 3211-300
e-mail: ivan.karev@kb.com.mk

Cveta Josifovska,  Savings Unit Control Officer
Phone: (+389 2) 3168-189
Fax: (+389 2) 3211-300
e-mail: cveta.josifovska@kb.com.mk