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Product description

VISA Classic card is international debit card with possibility for using in the country and abroad, for the purpose of:

• Non-cash payments in the merchants network and

• Cash withdrawal from bank or ATM

Basic characteristics

VISA Classic card is connected with two accounts:

•  MKD – in which MKD funds are paid, and

•  Foreign currency – in which EUR funds are paid

For using the card in the Republic of Macedonia , the MKD account is debited, while for using the card abroad, the FC account is debited. When necessary, funds in the total amount of the transaction are transferred from one to another account automatically at the exchange rate in the foreign exchange market of SB

• The card is used FREE OF FEE for payments in the merchants network in the country and abroad

Cash withdrawal

•  FREE OF FEE for MKD cash withdrawal from SB's ATMs and sub-branches

•  For MKD cash withdrawal from ATMs of other banks in the Republic of Macedonia , the MKD account is debited by fee of MKD 100.00 + 1% of the withdrawn amount

•  For cash withdrawal abroad, the foreign currency account is debited by fee of EUR 1 + 1.5% of the withdrawn amount

•  Daily limit of cash withdrawal is MKD 60,000.00 (at holder's request, it can be changed on one occasion)

•  For a card taken away by ATM abroad, the MKD account is debited by MKD 1,000.00

Validity period

•  First issuing – 5 year

•  Every further renewal – 5 years

Annual membership

When issuing

•  EUR 10.00 for basic VISA Classic card

•  EUR 5.00 for additional card

•  Free VISA Classic debit card for each holder of VISA  STAR credit card

•  The fee for making a new card, if the old one has been damaged, lost or stolen, amounts to MKD 300.00

When renewing

•  FREE OF ANNUAL MEMBERSHIP FEE for transactions in the merchants network higher than MKD 120,000 at annual level

•  50% decrease of the membership fee for the existing holders of:

•  VISA  STAR credit card or

•  VERO Stopanska Banka co-branded Visa credit card

PIN Code

•  For cash withdrawal at ATM, the PIN code is obligatorily used (you receive it in sealed envelope together with the card). If wrong PIN code is entered more than twice, the ATM takes the card away.

•  Issuing a new PIN code is charged by MKD 150


•  Individuals, residents of the Republic of Macedonia

•  Persons over the age of 18

Required documents

•  Application for VISA Classic personally filled in and signed by the client

•  Copy of ID card

INFO telephones

VISA Centre of Stopanska Banka has a Customer Care Centre where you can call 24 hours every day in the week for any information regarding the card, as well as for all cases of losing or stealing of the card on the following telephone numbers:

+ 389 (0) 2 3100 109;  + 389 (0) 2 3163 772  or Fax:+ 389 (0) 2 3114 087 


If you want to apply for the VISA CLASSIC card, print the application, fill it in and submit it to the closest sub-branch of the Bank.

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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