Characteristics of the product:

  • The product can be opened by individuals who have inflows based on salary, pension or additional income with a folio number in Halkbank in the previous 30/31 days from the day of opening of the deposit
  • Minimum amount of depositing: 3.000 MKD/ 50 EUR
  • Payment of the interest: on the maturity day or monthly
  • Type of interest rate: Fixed
  • Tenor: up to 36 months
  • Method of calculation of the interest: proportional method (28-31/365-6)
    • Redepositing: not redepositing on the maturity date.
    • Partial withdrawal: is allowed before the expiration of the deposit period, on the withdrawn amount the Bank calculates interest with interest rate on demand according Decision for determing the passive (bit) interest rates, while for the remaining part the interest is calculated according to the contract.
    • Additional investment: is not allowed before the maturity day
    • Early termination: in early termination of the contract of deposit, the Bank calculates interest with interest rate on demand according to the valid Decision for passive interest rates of the Bank for the whole time in which the funds were deposit. With monthly payment of interest, the depositor is obliged to return the difference between paid interest and new calculated interest to the Bank or the Bank will deduct from the deposit.



Interest rates:

Tenor Annual interest rates
6 months 0,60% 0,30%
12 months 1,20% 0,50%
24 months 1,90% 1,10%
36 months 2,20% 1,40%


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