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Foreign currency savings



The FX savings deposits of Komercijalna Banka AD Skopje are an excellent way of saving and increasing the amount of your deposited funds in foreign currency. With exceptionally favorable interest rates for savings in any foreign currency, the FX savings products are an excellent choice to invest in your future. Being provided with the possibility to deposit and withdraw money at any time, you shall have permanent access to your money.



All citizens who want to save may deposit their money in the Bank. You will be given a pass book for your FX 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.



The amount that may be deposited on the foreign currency accounts and pass books is not limited and is in accordance with the Banking Law. Payment may be effected:

  • in foreign currency in cash;
  • from cheques in convertible foreign currency;
  • from payment orders from foreign banks;
  • from money left from business trips.



Withdrawals may be effected in foreign currency in cash, denars, cheques and for payments abroad for:

  • costs for trips abroad;
  • import of goods for personal needs and needs of the members of the family;
  • buying securities;
  • purchase of professional literature from abroad;
  • medical treatment abroad;
  • migration costs;
  • court costs arisen from disputes abroad;
  • monthly transfers of money for covering family living expenses.




The Bank provides the possibility for withdrawal of the deposit by an authorized person. Authorization may be given at the Bank’s counters, against presence of both parties – the account holder and the person that is to be authorized.

Persons with a residence abroad may issue an authorization, which should contain all the personal data on the owner of the pass book, as well as on the authorized person. This authorization should be sealed and stamped by the consular representative office or a notary in the country the authorization has been issued.



You can make the choice of the model of FX saving according to your needs. Read more about the different savings models and choose the one that is most suitable for you:



Interest rates


The interest rates for each model of FX savings offer you a great inflow of funds while your money is kept safe. The extent of the interest depends on the currency and the period of depositing and it is prescribed by the Bank’s Business Policy.



The lost, torn or destroyed pass book is amortized, it is announced as null and void and a new pass book is issued. The data concerning deposits are the Bank's business secret.



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