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Product description


MASTERCARD debit card is international card which the client uses according to the available funds deposited in his/her account.
The card is used in the country and aboard for:
Non-cash payments in merchant network and
Cash withdrawal from bank or ATM

Basic characteristics

MASTERCARD debit card is connected with the MKD account to/from which all MKD payments/disbursements are made.
When using the card abroad, the account is debited in MKD at the exchange rate in the foreign exchange market of SB
The card is used FREE OF FEE for payments in the merchant network in the country and abroad

Cash withdrawal

• NO FEE for cash withdrawal from ATMs and counters of SB
• For cash withdrawal from ATMs of other banks in the Republic of Macedonia , the MKD account is debited by fee of MKD 100 + 2% of the withdrawn amount.
• For cash withdrawal abroad, the MKD account is debited by fee of 150 MKD + 2% of the withdrawn amount.
• Daily limit for cash withdrawal is MKD 60,000 (it can be changed at each request of the holder)

PIN code

For cash withdrawal from ATM, the PIN code is obligatorily used (you receive it in a sealed envelope together with the card). If the PIN code is entered incorrectly more than twice, the ATM withholds the card.

Validity period

Card validity period of 5 years at the first issuance, and every further renewal is made for certain period


Adults, citizens of the Republic of Macedonia

Annual membership fee

Free (0 MKD annual membership fee); 90 MKD renewal fee (charged every 5 years, as the card is reissued); 300 MKD for issuing an additional card

Required documents

• Application for MASTER debit card, filled in and signed by the client personally
•Copy of ID card

Other fees

• Fee for issuance of new PIN amounts to MKD 150
•Fee for making new card, if the old one is damaged, lost or stolen amounts to MKD 300
•For card withdrawn by ATM abroad, the MKD account is debited by the amount of MKD 1,000

INFO telephones

For any information regarding the card as well as for all cases of loss or theft of the card, you can contact the Call Centre of Stopanska Banka, 24 hours a day, every day of the week, on the following telephone number: + 389 (0)2 3100-109


11 Oktomvri 7, 1000 Skopje , the Republic of Macedonia
tel: + 389 (0) 2 3100 109; + 389 (0) 2 3163 772
fax:+ 389 (0) 2 3114 087

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