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In order to submit an online application, click on the following link


Promotional offer: Users of Visa / MasterCard credit cards from SB always get more. In 2015 the SB continues the  possibility to withdraw cash without commission during the last weekend of every month in 2015. The promotional offer is valid only for withdrawals made on SB’s ATMs.




Comparative advantages

1. Possibility for payment in installments WITHOUT INTEREST in more than 1.000 famous stores

2. Minimum monthly payment – only 5% of total debt
3. Non-interest grace period up to 50 days for payments in the merchant network
4. No fee on payments in the merchant network
5. No deposit, no endorsers, no salary withholding, no bills of exchange
6. Quick and simple procedure for application at SB Branches

7. Many favorabilities around the world, provided by VISA association, only for VISA GOLD card users

Card utilization

Local and international use for:

•  payments in the merchant network
•  withdrawing cash at ATMs and teller-windows


MKD (MKD credit limit)

Credit Limit

•  Maximum MKD 600,000

Card validity period

• First issuance – two (2) years
• Renewal – three (3) years

Interest Rates
Annual, floating

•  11.25% - regular interest rate
Interest is calculated only on the utilized amount

(0% interest rate for transaction in installments without interest (until installments are not matured for payment)

Annual membership fee

For first issuing

Free of charge credit cards for first issuance year (for 3 cards – basic and 2 additional cards)

Annual membership fee
(at card' renewal)

Without annual membership for SB Exclusive clients

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 (1000 MKD for additional cards).

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 a deposit
  • The cardholder is SB Exclusive client

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 locations:
Fee for domestic and international cash withdrawal at other banks
•  at branches 5% (but no less than MKD 100)
•  at ATMs 2% of transaction amount + MKD 100 fixed amount
•  MKD 100 fixed amount
•  3% of transaction amount

For all holders of current accounts with SB, the repayment may be done as follows:

•  with standing order or
•  via SB e-banking service or on SB ATMs

   1. Minimum monthly        payment

5% of the amount of all transactions made within one credit cycle and computed interest

   2. Equal monthly

•  possibility for making purchases in equal monthly instalments FREE OF INTEREST
•  possibility to make purchases in 2, 3, 4, 5, 6, 10, 12, 18, 24 and 36 instalments
•  minimum transaction amount for instalment payment is MKD 1,000
•  minimum amount of separate instalment is MKD 500
•  Total amount of transaction in instalments should be within the available credit limit, while the instalments mature as fixed payment amounts, free of interest, each month, depending on selected number of instalments, and are included in the minimum payment amount of 5% of mature instalment
•  Only available with those merchants that have concluded Cooperation Agreements with SB for instalment payments free of interest

Payment period

Up to 20 days – as of the date of the credit cycle end

Credit criteria

• Individuals, citizens of the Republic of Macedonia
• Holder's age: 20-67 years of age on application date
• Minimum annual income – MKD 600.000

Required documents

1. Application for VISA GOLD credit card
2. Photocopy of ID card
3. 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)
4. Photocopy of last paid bill for power, telephone or water supply


· 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