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Child denar 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 MKD 1,000.00.

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


The fixed interest rate paid by the Bank on child savings deposits will be as follows:


Term saving deposits with fixed interest rate Interest rata Method of interest payment Applicable from:
At demand 0.01% at the end of calendar year 01.08.2015
1 month 0.02% upon term expiry 01.04.2017
3 months 0.05% upon term expiry 01.03.2020
6 months 0.05% upon term expiry 01.03.2020
12 months 0.30% upon term expiry 01.03.2020
24 months 0.70% upon term expiry 01.07.2021
36 months 1.00% upon term expiry 01.07.2021



For denar term savings deposits on 24 and 36 months, the Bank shall apply variable interest rate , as indicated in the table below:

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

For term saving deposits on 24 months – 0.09 p.p. over the Reference interest rate

For term saving deposits on 36 months – 0.49 p.p. over the Reference interest rate



on 24 months 1.37% upon term expiry 01.07.2021
on 36 months 1.77% upon term expiry 01.07.2021


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.

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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