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Interest rates

Ref. int. rates, loans and cards

Reference interest rates for loans and deposits can be found here


Interest rates for loans and cards for individuals:

Loans individuals

Credit Cards 


Interest rates for loans for legal entities:

MKD loans 

FCY loans  

Deposits

Interest rates for loans for individuals:

Deposits individuals

Model for defining floating interest rates 1

Model for defining floating interest rates 2


Deposits for legal entities

The interest rates for all types of deposits of legal entities are determined in accordance with Decisions on interest rates of Stopanska banka AD - Skopje.
On the positive balance of the transaction accounts and sight accounts in denars and in foreign currencies of legal entities Stopanska Banka AD - Skopje calculates and pays interest at floating interest rates that are formed as 0 % of the reference interest rates for the respective currency. If the reference interest rate is negative, it is considered to be 0 %.
Interest rates for time deposits of legal entities are subject to negotiation between the client and the Bank and depend on the time-depositing period, amount, currency and purpose of the deposit. The terms and conditions under which the funds are deposited are regulated by an appropriate agreement between the client and the Bank.

 

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