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24 hours CONTACT CENTER (02) 3100 109


11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

+ 389 (02) 3114 503 




Product description  

9-month time deposit at attractive and guaranteed interest rate during the time depositing period

Benefits for the client
•  Attractive interest for a shorter depositing period  

•  Guaranteed interest rates during the entire time depositing period  

•  Possibility for balance check via e-banking service

•  Safe, reliable Bank

Time depositing type and period

6 and 9 months

Deposit currency
•  MKD

•  EUR

Minimum deposit amount
•  MKD 30.000

•  EUR 500

Target clients
•  Residents, and
•  Non-residents

Interest rates (current interest rates)


The interest rates are fixed and guaranteed for the time depositing period.

Stopanska Banka, in accordance with the current legislation, regularly announces the current annual rates of total costs on the web site, bank counters and through the media


Interest calculation
The interest is calculated and paid at the end of the time depositing period and is transferred to another account where the paid interest is available for use

Time deposit renewal policy

There is possibility for automatic deposit renewal. The deposit renewal is conducted in compliance with the terms and conditions applicable on the renewal day
There is possibility for changes in the renewal request during the time depositing period, for which SB issues a document on changed terms and conditions


Disposal of the deposit and calculated interest

The client can use the deposit and calculated interest on the time depositing maturity (calendar day)


Policy of automatic renewal

The deposit (the principal) 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

Policy of premature time deposit cancellation

The deposit can be closed before the deposit maturity at client’s request, whereat SB calculates and pays sight interest from the moment of deposit placement, i.e. deposit renewal, to the moment of premature closure 


Authorization for the deposit 

At the deposit opening or additionally, the client may authorize another person to use the deposit funds



The client must present valid identification document (ID card or passport) during the account opening
After the account opening, the client receives:
-    Deposit Agreement
-    Passbook at client's request