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contact center:
(02) 3 296 800

Denar demand savings deposits and standard term savings


Denar demand and denar term savings of Komercijalna Banka AD Skopje are a flexible way of saving money and increasing the amount of your invested money. The possibility to choose the term deposit period and the respective interest rate enables you to create the savings product that is most suitable for you.


The Bank shall issue a passbook for your denar 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.


Interest rates

Interest rates are on annual basis and are fixed for term deposits on 1m, 3m, 6m and 12 months. For term savings deposits on 24m and 36 months, the Bank offers fixed and variable interest rates.The interest is calculated and paid out at the end of the term.


Minimal amount for a term savings deposit is MKD 1.000,00.


Fixed interest rates for denar demand and term deposits – standard savings



For denar savings deposits on 24 and 36 months, the Bank offers variable interest rate, indicated in the Table below:

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

For denar savings deposits on 24 months 0,09 p.p. over the Reference interest rate

For denar savings deposits on 36 months 0,49 p.p. over the Reference interest rate


Variable interest rates for denar term deposit – standard savings



For denar deposits over MKD 1.000.000,00 the Bank offers stimulation interest rates, which, depending on the maturity and the extent are between 0.17% - 3.37%.


Stimulative interest rates for time deposits in denars


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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