About the product

Features

• Time deposit which allows unlimited number and amounts of additional deposits during the term of the deposit, without cancelling the time deposit or extending the deposit term.
• Attractive offer valid from 15.12.2025 until 15.1.2026: guaranteed interest rates for the entire deposit term, with annual interest rates ranging up to 3.30% for deposits with 25-month maturity in MKD and up to 2.30% for deposits with 25-month maturity in EUR.
• Individuals, residents and non-residents
• Deposit term: 13, 25, and 36 months
• Currency EUR and MKD
• Minimum amount of investment, EUR 100 or MKD 6,000
• The minimum amount is limited only at the opening of the time deposit, i.e. the first time deposit. There is no limit to the amount of the additional deposits.
• Payment method: monthly or at the end of the term

Benefits

• Unlimited additional deposits
• Guaranteed interest rates for the entire deposit term
• Safe and stable bank, trusted bank
• Checking the balance and additional depositing performed via digital channels
• Preferential interest rates for customers receiving salaries and pensions at SB

Additional deposits

• It is possible to make unlimited additional deposits without cancelation of the deposit and without extending the maturity of the deposit, whereby the additionally deposited funds are added to the previously deposited funds and SB calculates interest on the total amount from the moment of making the deposit to the maturity of the deposit.

Authorization

• The holder of the deposit account may authorize another adult person to operate the account. The authorization may be issued at the time of opening of the deposit account or at any time afterward.

Policy of automatic renewal and cancellation

• The deposit (principal) is automatically renewed under the terms and conditions valid at the date of renewal. The customer may withdraw the funds at any time, in accordance with the policy of early withdrawal of the deposit
• The depositor may also terminate the agreement prior to the expiration of the deposit term, whereby SB shall calculate and pay sight interest for the period from the opening of the time deposit or its renewal until the moment of early termination of the agreement, while for the deposits with monthly interest payment, the deposit is reduced by the corrected amount of interest.