Individual clients | Deposits | NLB Gradual savings

NLB Gradual savings

NLB Gradual savings is a savings account with regular monthly deposits. We recommend it to all of you who wish to save gradually, without any greater abnegations, for the fulfillment of your desires or for additional financial security.

Main advantages

  • Secure money deposits
  • Gradual manner of forming your savings
  • Choice of changing the amount of monthly deposit, as desired
  • Interest rate with a fixed bonus higher for each following year
  • Option of  depositing the funds through a standing order

Basic information

  • Minimum amount: 1.000 MKD / 15 EUR
  • Currency: MKD, EUR
  • Deposit term: five years (option to terminate the deposit after the first year)
  • Interest rates: basic interest rate with fixed bonuses for each following year
  • Interest payable: once a year – one year after the first monthly deposit
  • Agreement signing: in all branch offices of NLB Tutunska banka
  • Identification document: ID card or passport and savings book

Interest rates


CurrencyBasic interest rateFixed bonus
1st year2nd year3rd year4th year5th year
MKD4,80%0,50%1,00%1,50%2,00%2,50%
EUR3,10%0,40%0,50%0,60%0,80%1,00%
* The interest rates are calculated on an annual level