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Open FX savings deposits



The open FX savings of Komercijalna Banka AD Skopje is the most flexible way of saving your foreign currency funds. This savings product allows multi depositing and multi withdrawals during the time depositing, depending on your needs. The currency and the depositing term are set according to your choice.

Minimal amount for time depositing

  • 50 EUR (or counter value in other currency)
  • Depositing term
  • 3 months
  • 6 months
  • 12 months
  • Advantages
  • multiple depositing and withdrawing during the depositing term


  • with identity card or passport, at any counter of the Bank


You will be given a pass book for your open 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.

Interest rates


The Bank shall pay the following interest on the open FX savings deposits:

Amount in EUR3 months6 months12 months
From 50.00-1,500.00 EUR0.03%0.04%0.25%
Over 1,501.00 EUR0.04%0.05%0.35%
Amount in USD3 months6 months12 months
From 50.00-1,500.00 EUR0.02%0.03%0.08%
Over 1,501.00 EUR0.04%0.05%0.10%
Amount in GBP3 months6 months12 months
From 50.00-1,500.00 EUR0.10%0.40%0.90%
Over 1,501.00 EUR0.20%0.50%1.00%
Amount in CHF3 months6 months12 months
From 50.00-1,500.00 EUR0.001%0.001%0.001%
Over 1,501.00 EUR0.001%0.001%0.001%
Amount in CAD3 months6 months12 months
From 50.00-1,500.00 EUR0.08%0.13%0.16%
Over 1,501.00 EUR0.09%0.14%0.17%
Amount in AUD3 months6 months12 months
From 50.00-1,500.00 EUR0.60%0.90%1.10%
Over 1,501.00 EUR0.70%1.00%1.20%


The client may change the periods of the time deposits, followed by corresponding change of the interest rate.



The interest shall be calculated on monthly basis and shall be paid out at the end of the month – within seven days, otherwise it shall be added to the deposit. It is possible to transfer the interest on the current account, on a denar account, MasterCard (calculated at mid-exchange rate) or on a demand FX pass book.



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