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Annuity term savings


Because of the method of calculation and payout of interest this is a fx savings deposit that is most suitable for the clients who want to realize additional monthly income. The interest is calculated and paid out every month on the term beginning date and it immediately becomes available on the fx transaction account or on a demand fx passbook.


The Bank shall issue a passbook for your fx savings deposit, in which it shall record payments, withdrawals, balances and calculated interest under the savings deposit. A passbook may be opened against presentation of identity card or passport for domestic citizens and passport for foreigners at any counters of the Bank’s city-branches in Skopje and city-branches and branches throughout the country.


Minimum amount of term savings deposits


  • for term savings deposits on 3m, 6m, 12m, 24m and 36m – EUR 5,000.00 or equivalent in other currency.



Interest rates


Interest rates are on annual basis and are fixed for term deposits on 3m, 6m, 12m, 24m and 36 months and are applicable for all currencies indicated in the Table below.



The Bank shall apply floating interest rate for foreign currency savings deposits in EUR currency over a period of 24 and 36 months, for agreements concluded in the period from 01.10.2017 to 30.09.2019.


The interest is calculated and paid out monthly, on the term starting date.

The interest rate paid by the Bank on foreign currency demand and term savings deposits shall be as follows:

Currency: on 3 m on 6 m on 12 m on 24 m on 36 m
Euro (EUR) 0.01% 0.01% 0.10% 0.30% 0.40%
American Dollar (USD) 0.01% 0.03% 0.05% 0.10% 0.20%
Pound Sterling (GBP) 0.03% 0.04% 0.10% 0.15% 0.30%
Swiss Franc (CHF) 0.001% 0.001% 0.001% 0.001% 0.001%
Canadian Dollar (CAD) 0.03% 0.04% 0.15% 0.30% 0.50%
Australian Dollar (AUD) 0.20% 0.30% 0.35% 0.40% 0.50%

For fx term savings deposits in EUR on 24 and 36 months, the Bank applies variable interest rate, indicated in the Table below:

(applicable for agreements concluded in the period from 01.10.2017 to 30.09.2019)

For EUR term savings deposits on 24 months - Reference interest rate increased by 0,80 p.p.


For EUR term savings deposits on 36 months - Reference interest rate increased by 1,10 p.p.



Term Interest rate Interest payment Applicable from
on 24 months 0.80% Upon term expiry   01.04.2017
on 36 months 1.10% Upon term expiry   01.04.2017



Total clients’ deposits with the Bank are insured at the Deposit Insurance Fund. The Fund shall indemnify total deposits by client depositor (Personal Reg. No.) but not exceeding denar equivalent to EUR 30,000 in a single bank, branch of any foreign bank or savings house, calculated at medium exchange rate of NBRM. This amount shall cover the deposit principal amount, calculated and added interest, as well as the undue interest until the date of effectiveness of the Decision. If your deposit exceeds the legally prescribed maximum, you shall have the right to claim that part of the amount from the bankruptcy estate of the Bank.

Contact persons

Marija Stojanovski, Head of Savings Unit
Phone: (+389 2) 3168-178
Fax: (+389 2) 3211-300
e-mail: marija.stojanovski@kb.com.mk

Cveta Josifovska,  Savings Unit Control Officer
Phone: (+389 2) 3168-165
Fax: (+389 2) 3211-300
e-mail: cveta.josifovska@kb.com.mk
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