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CONTACT INFORMATION:
STOPANSKA BANKA AD - SKOPJE

 

24 hours CONTACT CENTER (02) 3100 109

 

address:
11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

fax:
+ 389 (02) 3114 503 

e-mail:
kontaktcentar@stb.com.mk

 


MY CASH

 

GENERAL CHARACTERISTICS OF MY CASH

 

 MY CASH Advantages

 • Flexible monthly repayment
 • Unlimited access to the funds of the approved loan (24 hrs)
 • NO cash withdrawal fee
 • Interest is calculated only on the used amount
 • No endorsers, no bill of exchange, no guarantors.

Loan description

Revolving consumer loan with possibility for flexible withdrawal and repayment, connected with card of SB that can be used for cash withdrawing at all SB ATMs and counters in the country (Not used for payment in the merchant network)

Credit limit amount

Up to MKD 300.000 in compliance with reported net annual income of the loan applicant

Currency

•  МKD

Interest rate (Annual) 

  Payroll/pensioner clients 

Other clients

• 10,13% variable

• 11,25% variable 

Validity

Unlimited validity of the product with regular review every 2 years
Renewal of the card every 2 (two) years

Monthly repayment

Minimum monthly payment at 3% (of the total debt and calculated interest) at SB counters  

All holders of transaction accounts with Stopanska Banka may make repayment as follows:

• with standing order via payment of the minimum amount of 3% or payment of the total debt of 100%
• via the i-bank system of Stopanska Banka

Costs

0% administrative fee

NO annual membership fee for the first year of issuance for all clients
• Annual membership fee for renewal:

 1. For credit limit up to MKD 60,000:

- SB Payroll / SB pensioners with e-mail delivery of monthly statement - MKD 350

- SB Payroll / SB pensioners with postal delivery of monthly statement - MKD 400

- Other clients - MKD 600 

2. For credit limit above MKD 60.000:

- SB Payroll / SB pensioners with e-mail delivery of monthly statement - MKD 550

- SB Payroll / SB pensioners with postal delivery of monthly statement - MKD 650

- Other clients - MKD 1200

Clients that have been +60 DPD in last 12 months are subject of regular annual fee charge (do not qualify for any annual fee waiver for due depts. =>15 €).

 Loan criteria 

Age:   Minimum 20 – maximum 65 years of age on the date the application is submitted                                                      

Income:  Minimum net monthly income 8.100 MKD

Required Documents

 1. Loan application 

 2. Copy of identity card or passport

 3. For SB payroll clients, only print of transaction account statement  for last three months  

    For non SB payroll clients: Pension check/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 (summery of salaries certified at PRO) for the last month

 4. Consent for report from Macedonian Credit Bureau

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