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FX demand and time savings deposits



The FX demand and time savings of Komercijalna Banka AD Skopje through the extraordinary interest rates is offering to you increasing of the amount of the deposited foreign currency, in any currency. 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 for you, by your own.



You will be given a pass book for your FX savings deposit in which the Bank shall record in the respective currency 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 FX demand and time savings deposits:

Currency: at sighton 1 monthon 3 monthson 6 monthson 12 monthson 24 monthson 36 months
American dollar(USD)0.01%0.02%0.04%0.05%0.10%0.20%0.40%
Pound Sterling (GBP)0.01%0.03%0.20%0.50%1.00%1.40%1.90%
Swiss Frank(CHF)0.001%0.001%0.001%0.001%0.001%0.001%0.001%
Swedish Krone(SEK)0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Norwegian Krone(NOK)0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Japanese Jen (JPY)0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Danish Krone(DKK)0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Canadian Dollar(CAD)0.01%0.04%0.09%0.14%0.17%1.00%1.20%
Australian Dollar(AUD)0.01%0.60%0.70%1.00%1.20%1.40%1.50%


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 in foreign currency:


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


For FX deposits in EUR, higher than EUR 50.000,00 the Bank offers agreed interest rates, which depending on the maturity and the extent are from 0.19%-2.70%.



Minimum amount for time saving deposits

  • for time deposits on 1 month - 1,500.00 EUR or equivalent to 1,500.00 EUR in another currency;
  • for time deposits on 3, 6, 12, 24 and 36 months with monthly payments of interest  - 5,000.00 EUR or equivalent to 5,000.00 EUR in another currency.



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