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Comparative advantages

•  Possibility for minimum monthly payment of only 3% of the total debt
•  Possibility for payment on installments FREE OF INTEREST at 1000 partners in the merchant network
•  Interest free grace period up to 45 days for payment in the merchant network in case of full settlement of the debt
•  No fee for payments in the merchant network
•  No deposit, no guarantors, no salary withholding, no bill of exchange
•  Best terms for cash withdrawal at ATMs and branches

•  Quick and simple application procedure in SB Branches

Use of the card

International credit card for use in the country and abroad for:

•  Payments in the merchant network
•  Cash withdrawal at ATMs and counters


MKD (MKD credit limit)

Credit limit

Maximum MKD 300,000  depending on the income

Validity period

•  First issuance – 2 (two) years
•  Renewal – 3 (three) years
Interest rate
Annual, floating

•  11.25% - regular interest rate
•  10.13% - for clients that receive their salaries thru SB, regular repayments

Interest is calculated on the used amount of credit. 0% interest for the installment payments (until the instalment

- Refinancing debt upon credit cards from other banks is made under the above-mentioned interest rates depending on the client's category, except when a certain promotional offer is applied
Annual membership fee for first issuance Free of fee credit cards for the first year of issuance
for 3 cards – 1 basic and 2 additional cards
Annual membership fee for card renewal

After the first year, all clients qualify for a set of full od partial discount of the annual fee, depending of the turnover and/or the use of other services provided by Stopanska Banka.

If the client has been more than 45 days late on the minimum ammount due at least once in the last 12 months , the bank will charge the full ammount of 1500 MKD annual fee. All other clients can qualify for some of following annual fee discount criteria:

1. 0 MKD (full annual fee waiver) for the card users qualifying for any one of the following conditions (discounts):

- Annual turnover of min. MKD 90,000 with the basic or additional cards at merchants in the country or abroad including e-commerce turnover
- Clients with housing or secured consumer loan in SB
- The card is secured with deposit

2. 300 MKD annual fee for SB pensioners that have opted for e-mail delivery of monthly statements

3. 450 MKD annual fee for SB pensioners that have opted for postal delivery of monthly statements

4. 650 MKD annual fee for payroll and non-payroll clients that have opted for e-mail delivery of monthly statements

5. 790 MKD annual fee for payroll and non-payroll clients that have opted for postal delivery of monthly statements

Cash Withdrawal

Fee for cash withdrawal at SB ATMs and branches
Fee for domestic and international cash withdrawal at other banks

•  1.5% of transaction amount at SB ATMs
•  5% of transaction ammount at SB branches

•  MKD 100 fixed amount
•  3% of transaction amount

For all holders of current account with SB, the payment can be made:

•  by standing order by paying the minimum amount of 3% or the total debt of 100% or
•  through the e-banking system of SB

1. Minimum monthly
3% of the amount of all transactions made in one credit cycle and calculated interest
2. Equal monthly
•  Possibility for purchasing in equal monthly installments FREE OF INTEREST at 1000 partner merchants (Neptun, AMC, Tehnomarket, SET, Peko, Studio Moderna, Simpo etc)
•  Possibility for purchasing in 2, 3, 4, 5, 6, 10, 12, 18, 24 and 36 installments
•  Minimum transaction amount for payment in installments is MKD 1,000 and minimum installment value MKD 55
•  The total amount of the transaction in installments should be within the available credit limit, and the installments mature for payment as fixed amounts, free of interest, every month depending on the chosen number of installments and they are included in the minimum amount for payment with 5% of the mature interest
•  Only merchants that have concluded Agreement for cooperation with SB for interest-free payment in installments
Payment period Up to 15 days – from the date of the credit cycle end within a period of 30 days
Credit criteria

•  Individuals, residents of the Republic of Macedonia
•  Holder's age: from 20 to 67 on the application date
•  Minimum monthly income – MKD 8,100

Required documents

•  Application for MASTER credit card
•  Photocopy of valid ID card
•  For SB payroll clients, only print of current account statement  for last three months
    For non SB payroll clients: Salary certificate, certificated and signed by the authorized persons at the employer (not older than 30 days), and for employers at private companies, PP53 form (Summary of salaries certified at JRS) for the last month (for the borrower and co-borrowers)
•  Photocopy of the last paid bill for electricity, phone or water
•  FOR REFINANCING – Request and consent for refinancing of debt; 2 last statements of credit card whose debt is refinanced and photocopy of ID card of the person whose debt is refinanced


· Print the application, fill it in and submit it to the closest sub-branch of the Bank,
· Apply on the telephone 02 309 33 66, or
· In the sales points with which the Bank has concluded an agreement for cooperation referring to Visa cards application

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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