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PROGRESS DEPOSIT

TRADITIONAL DEPOSITS

EXCLUSIVE DEPOSIT

CHILDREN’S SAVINGS

ADVANTAGES
DETAILS
INSURANCE
  • A fixed rate of interest throughout the entire length of the deposit contract
  • Minimum amount to be deposited – MKD 15,000 / EUR 250
  • MKD 6,000,000 / EUR 100,000 – the maximum amount of all additional investments, where the initial savings amount can increase maximally tenfold
  • A possibility to make additional investments
  • Growing profitability and a rising rate of interest in each subsequent term
  • A possibility to capitalize the interest returns
  • Deposit insurance of 1 Euro a month for the Denar Progress Deposit
  • Computation of the interest returns using a conformal method and a real number of days (365).
  • Two ways of interest returns payment:
    • To a transaction account after the completion of each new term, or
    • At the end of the deposit maturity term. The interest returns are capitalized at the beginning of each new term. The calculated interest returns from the previous term are capitalized, i.e. added to the deposit amount and then the interest returns for the next term are computed on the basis of this amount according to the set returns rate.
  • Once it matures, the time deposit is automatically reinvested in accordance with the terms of the contract.
  • Partial withdrawal of the funds is not allowed before the deposit matures.
  • In case the contract is cancelled before the maturity term expires, the interest returns are calculated on sight, based on the list of interest rates of the Bank valid throughout the length of the time deposit. If the maturity term of the deposit is lifted early, in the forthcoming period the interest returns shall be computed based on the interest rate applicable during the previous term.
  • An opportunity to monitor the status of the deposit via the electronic or mobile banking options.
List of interest rates for deposits
  • The opportunity offered as part of the Denar Progress Deposit
  • A fixed premium of 1 Euro a month – charged from the transaction account
  • Risks covered:
    • Death as a result of an accident
    • Permanent and total loss of an ability as a consequence of an accident
    • Death as a result of illness
  • Should an insured incident occur, the insured person is paid to his/her account:
    • The total amount = the amount of the deposit on the date the insured incident took place, up to a maximum of EUR 3,000 per policy (the client may apply for a maximum of three policies).
    • In case of death as a result of illness, a fixed amount of EUR 25 per insurance.
ADVANTAGES
DETAILS
INSURANCE
  • A fixed interest rate throughout the entire length of the deposit contract
  • A minimum amount of MKD 2,000 or EUR/USD/AUD 100 required for opening a deposit account
  • A possibility to select various terms: 1, 3, 6, 12, 24 or 36 months
  • The interest returns are computed by means of a conformal method and a real number of days (365).
  • Ways of payment of the interest returns: once the investment matures, or as monthly payments of the interest returns for the foreign currency deposits.
  • Once the deposit matures, it is being reinvested automatically in accordance with the terms of the contract.
  • Partial withdrawal of the funds is not allowed before the date of maturity of the time deposit.
  • In case of cancelling the contract before it expires, the interest returns are calculated on sight based on the list of interest rates of the Bank valid throughout the length of the time deposit.
  • An opportunity to monitor the status of your deposits via the electronic and mobile banking options.
List of interest rates for deposits
  • An insurance opportunity with the Denar deposits
  • A fixed premium of 1 Euro a month – charged from the transaction account
  • Risks covered:
    • Death as a result of an accident
    • Permanent and total loss of an ability as a consequence of an accident
  • Should an insured incident occur, the insured person is paid to his/her account:
    • The total amount = the amount of the deposit on the date the insured incident took place, up to a maximum of EUR 3,000 per policy (the client may apply for a maximum of three policies).
    • In case of death as a result of illness, a fixed amount of EUR 25 per insurance.
ADVANTAGES
DETAILS
  • A fixed interest rate throughout the entire length of the time deposit contract
  • A minimum amount of EUR/USD/AUD 20,000 required for opening a deposit account
  • Attractive interest rates depending on the amount of the deposit
  • Можност за избор на различен рок: 3, 6, 12, 24 или 36 месеци
  • The interest returns are computed applying a conformal method and a real number of days (365).
  • Ways of payment of the interest returns: once the time deposit matures, or through monthly payments.
  • Once the deposit matures, it is reinvested automatically in accordance with the terms of the contract.
  • Partial withdrawal of the funds is not allowed before the date of maturity of the time deposit.
  • In case of cancelling the contract before it expires, the interest returns are calculated on sight based on the list of interest rates of the Bank valid throughout the length of the time deposit.
  • An opportunity to monitor the status of your deposits via the OBSGN@t electronic banking and via the Moja Banka mobile banking.
List of interest rates for deposits
ADVANTAGES
DETAILS
  • A fixed interest rate throughout the entire length of the time deposit contract
  • A minimum amount of EUR/USD/AUD 50, or MKD 3,000 required for opening a deposit account
  • Open-end long-term saving
  • An opportunity to make additional investments and realize maximum profitability
  • A possibility to choose from various terms: 1, 3, 6, 12, 24 or 36 months
  • The interest returns are computed applying a conformal method and a real number of days (365).
  • Ways of payment of the interest returns: once the time deposit matures, or through monthly payments.
  • Once the deposit matures, it is reinvested automatically in accordance with the terms of the contract.
  • Partial withdrawal of the funds is not allowed before the date of maturity of the time deposit.
  • In case of cancelling the contract before it expires, the interest returns are calculated on sight based on the list of interest rates of the Bank valid throughout the length of the time deposit.
  • There is an opportunity for additional investments, under the following condition: the initial amount + the additional investments in the first half of the deposit term = additional payments in the second half.
  • An opportunity to monitor the status of your deposits via the electronic and the mobile banking options.
List of interest rates for deposits

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