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Annuity term savings


Because of the method of calculation and payout of interest this is a denar 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 denar transaction account or on a demand denar passbook.


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 are on annual basis and are variable and fixed depending on the term of the term deposits.


Fixed interest rates for denar term deposits – annuity savings


For denar savings deposits 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 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 deposits -annuity savings


Minimal amount for a term savings deposit with monthly withdrawal of interest is MKD 100.000,00.


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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