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Children's open FX savings deposits "Ververicka"



The children’s savings “Ververicka” is an open savings product intended for children to 12 years. This special savings product was created with special care in order to develop responsible behavior of children towards money and at the same time to point them out the values of saving. Besides the status of a product intended for children, “Ververicka” bears extraordinary interest rate which could make the savings deposit grow to a real investment for the child future. 


Minimal amount for time depositing is 15 EUR (or counter value in other currency)


Depositing term is 3, 6 and 12 months.


You will be given a pass book "Ververicka" for your children's open FX savings deposit in which the Bank shall record the deposits, withdrawals, statement and the calculated interest on the savings deposit., in adequate currency. Presence of one of the parents and birth certificate of the child are required for opening of a passbook.


When opening a passbook, your little depositor will receive a special gift – a savings box or a child wallet.


The passbooks may be opened in the following city-branches of the Bank: GTC, Bunjakovec, Partizanska, Karpos III, Gjorce Petrov, Kapistec, 11 Oktomvri, Dracevo, Jane Sandanski, Skopjanka, Avtokomanda, Madzari, Cvetan Dimov, Central office of the Bank, as well as in all branches of the Bank out of Skopie.



Interest rates


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

Amount in EUR3 months6 months12 months
From 15-50 EUR0.03%0.04%0.25%
Over 51 EUR0.04%0.05%0.35%
Amount in USD3 months6 months12 months
From 15-50 EUR0.02%0.03%0.08%
Over 51 EUR0.04%0.05%0.10%
Amount in GBP3 months6 months12 months
From 15-50 EUR0.10%0.40%0.90%
Over 51 EUR0.20%0.50%1.00%
Amount in CHF3 months6 months12 months
From 15-50 EUR0.001%0.001%0.001%
Over 51 EUR0.001%0.001%0.001%
Amount in CAD3 months6 months12 months
From 15-50 EUR0.08%0.13%0.16%
Over 51 EUR0.09%0.14%0.17%
Amount in AUD3 months6 months12 months
From 15-50 EUR0.60%0.90%1.10%
Over 51 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.


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