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Child fx savings “Ververichka” (“Squirrel”)


Child savings “Ververichka” (“Squirrel”) is intended for children up to 18 years of age. This particular savings product was designed with special care in order to incite children to develop the habit of being responsible towards money, and at the same time to present the importance of savings. Apart from the special status of a product intended for children, “Ververichka” savings are with good interest rate which makes the savings deposit become a true investment for the child’s future.


Minimum amount for term deposit is EUR 15.


  • for term savings deposits on 1m – EUR 1,500.00 or equivalent in other currency.


The period for term deposits is е 1, 3, 6, 12, 24 and 36 months.

When opening child savings deposit, the client is issued a specially designed savings deposits passbook “Ververichka” where deposits, payments, balance and calculated interest by savings deposit are recorded. The opening of savings deposits passbook is made before at least one of the parents present at the Bank and under presentation of Birth Certificate for the child.

When opening the savings deposits passbook, the Bank’s little client will be given special gift - a piggy bank.

Child savings deposits passbook may be opened at any Bank’s counter at its city-branches in Skopje, as well as at its city-branches and branches throughout the country.


Interest rates

Interest rates are on annual basis and are fixed for term deposits on 1m, 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 14.09.2019.


The interest is calculated and paid out at the end of the term.

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

Currency: At demand on 1 m on 3 m on 6 m on 12 m on 24 m on 36 m
Euro (EUR) 0.01% 0.01% 0.01% 0.01% 0.10% 0.30%  0.40%
American Dollar (USD) 0.01% 0.01% 0.01% 0.03% 0.05% 0.10% 0.20%
Pound Sterling (GBP) 0.01% 0.02% 0.03% 0.04% 0.10% 0.15% 0.30%
Swiss Franc (CHF) 0.001% 0.001% 0.001% 0.001% 0.001% 0.001% 0.001%
Canadian Dollar (CAD) 0.01% 0.02% 0.03% 0.04% 0.15% 0.30% 0.50%
Australian Dollar (AUD) 0.01% 0.10% 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 1.04.2017



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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