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24 hours CONTACT CENTER (02) 3100 109


11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

+ 389 (02) 3114 503 



36 - month deposit for underage persons


Product type
• 36-month deposit for underage persons 
• Attractive deposit with possibility for limitless placement of funds without deposit's cancellation 
• Deposit with capitalization of calculated interest to the deposit

Deposit currency
•  MKD or EUR

Time deposit period
36 months

Minimum initial deposit amount
3.000 MKD

Interest rates (current interest rates)

The interest rate is floating

Interest payment / capitalization
The interest is calculated on a daily basis and is capitalized to the deposit on a fixed date, always on December 31

Additional funds placement
There is possibility for limitless additional placements of funds without cancellation of the deposit and prolongation of the deposit maturity period, whereat the placed funds are added to the already deposited funds, and SB calculates interest on the total amount from the moment of funds placement to the moment of deposit maturity

Policy of automatic renewal

 The deposit (the principal with the capitalized interest) shall be automatically renewed under the terms and conditions valid at the date of the renewal. The client may dispose with the funds at any time, according to the policy for premature deposit withdrawal

Partial withdrawal and closing of deposit
•  Additional partial withdrawals of deposit funds before the expiry of period are treated as full deposit withdrawal and deposit agreement cancellation before maturity, whereat sight interest is paid from the moment of initial placement of funds, additional placement of funds or renewal of funds to the moment of early deposit withdrawal and agreement cancellation 
•  Note: At partial withdrawal of one portion of the deposit before the expiry of the deadline, there is possibility for the remainder of deposit to be placed again for another 36 months as per the terms and conditions applicable at the moment of the new placement, of course, according to client's request. Hence, new time deposit period of 36 months is applied to the remaining amount.

Deposit opening
The deposit is opened on behalf of the child by:  
• Both legal custodians – both parents with whom the child lives 
• One legal custodian – if the child lives only with one of the parents 
• Depositor of funds – third party that opens the deposit at presence of both legal custodians or 
• Custodian of the child designated with a decision of a competent body

• Valid ID card is presented at deposit opening 
• The client gets a Deposit Agreement at deposit opening 
• Passbook at client's request

Friends of Pcelka deposit
View list of merchant friends of Pcelka deposit >