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Basic Payment Account

Basic Payment Account



The basic payment account (BPA) is opened in MKD.
A user who has not opened another MKD payment account in Stopanska Banka AD – Skopje or in another bank, savings bank and branch of a foreign bank in the Republic of North Macedonia is eligible for opening BPA.  
The BPA user may not use allowed overdraft on the basic payment account.


BPA is opened upon the User’s request.  
The User, eligible for BPA in accordance with the legally determined criteria, may:

  • open a new MKD basic payment account (BPA), or  
  • transform an existing MKD account into a basic payment account.

Opening a new BPA or transforming an existing payment account into a BPA is carried out in the Bank's branches, at the request of the User, whereby the User has to obligatory sign a Statement confirming that he / she does not own another MKD payment account in the country.
The bank will respond to the User, within 10 working days, whether the request for opening a basic payment account has been approved.
The request can be approved after checking that the User does not have a basic payment account in the Bank or in another bank in RNM.
Any payment account, at the request of the User, if he / she fulfills the conditions provided by law, can be transformed into a basic payment account and conversely, a basic payment account, at the request of the User can be transformed into a payment account, while retaining the existing unique identifier of the payment account.


The basic payment account allows the following payment services:

  1. opening, maintaining and closing the payment account;
  2. payment of funds and withdrawal of cash from the payment account at the counters in the Bank where the account is opened and / or through a network of ATMs during or outside working hours;
  3. payment transactions with a payment card, including online payment; and
  4. credit transfers, including standing orders.


The monthly fee for maintaining a basic payment account may not exceed 0.1% of the monthly moving average net salary paid in the country for the previous 12 months published by the State Statistical Office.
BPA allows the following payment transactions, under the following fees:

  • five free cashless internal transactions between accounts within the bank (transactions at the counter, via digital channels or through a standing order). Other payment transactions, including: transactions that exceed the minimum number of internal cashless payment transactions (over 5 transactions) and transactions initiated to other payment service providers (other banks) are charged according to the regular tariff of fees.
  • no compensation for the execution of an unlimited number of cash deposits or cash withdrawals from the payment account, at counters in the workspaces or through the ATM network of the payment service provider.
  • The initial issuance and renewal of the debit card is charged according to the regular tariff of fees. The insight and disposal of the funds via debit card is free of charge (no annual membership fee is charged).
  • no compensation for activity through digital channels (internet and/or mobile app)





For further information, please contact

Веб-страницата на Стопанска банка АД - Скопје користи „колачиња“ кои собираат податоци за корисниците. Овие податоци помагаат на Банката да обезбеди подобро корисничко искуство, како и подобра функционалност на услугите и веб-страницата. Со одбирање на опцијата „Ги прифаќам сите колачиња“ давате согласност за начинот на кој ги користиме „колачињата“. За други опции, одете во „Поставки за колачиња“. Дополнително, користењето на веб-страницата на СБ не е условена од прифаќањето на колачињата иако на тој начин одредени процеси може да не бидат технички оптимизирани за вашето лично корисничко искуство.