Membership fees and charges

Interest rates

• 8.55% variable for clients with salary/pension at SB
• 9.50% variable for other customers
• 0% interest for interest-free installment transactions with SB trading partners
• Interest is calculated only on the amount used
• Refinancing of credit card debt and credit cards from other banks is done at the specified interest rates depending on the client's category.

Membership fee

• Free for the first year
• Free for all SB Exclusive clients
• 0 denars membership fee
  • with a turnover of 90,000 denars in trade during one year
  • Beneficiary of a housing loan or loan with collateral from SB
  • The card is issued based on a deposit pledge.
• 395 denars membership fee for clients who receive a pension at SB and users of the service for delivery of monthly card statements via e-mail
• 595 denars membership fee for clients who receive a pension from SB and receive monthly card statements by mail
• 695 denars membership fee for clients who receive or do not receive their salary at SB and are users of the service for delivery of monthly card statements via e-mail
• 895 denars membership fee for clients who receive or do not receive their salary at SB and receive monthly card statements by mail
• If the client has been more than 60 days late in paying the monthly minimum obligations during the last 12 months, he is not entitled to the above-mentioned discounts and the Bank will charge the full amount of 1,500 denars annual membership fee.
• No cost for making an additional card.

Commissions and other fees

• For cash withdrawals from SB ATMs, the denar account is debited for 2.5% but not less than 250 MKD of the transaction amount,
• For cash withdrawals at an SB counter, the denar account is debited for 2.5% but not less than 250 MKD of the transaction amount,
• For cash withdrawals from ATMs and counters of other banks in the Republic of North Macedonia and abroad, the denar account is debited with a commission of 250 MKD + 2.5% of the withdrawn amount,
• Issuing a new PIN costs 200 MKD,
• The cost of reissuing a card due to theft, loss, damage or change of data is 350 MKD.

Security in contactless payments

According to the regulation on strengthened customer authentication when performing contactless card-based payment transactions, PIN code authentication is mandatory in the following cases:

• If the card has made 5 consecutive contactless transactions at a POS terminal without a PIN (since the last transaction authenticated with a PIN), the next contactless transaction must be authenticated with a PIN by the client. Otherwise, it will be rejected.
• If the total accumulated amount of all contactless transactions at the POS exceeds 9,000 denars (since the last transaction authenticated with a PIN), the next contactless transaction must be authenticated with a PIN, regardless of the transaction amount. Otherwise, it will be rejected.
• If the individual amount of a contactless payment transaction at a POS terminal exceeds 3,000 denars, it must be authenticated with a PIN. Otherwise, it will be rejected,
• When paying with Google Pay, it is not necessary to enter a PIN code at a POS terminal, but it is mandatory for the mobile device to be unlocked in order to make the payment, regardless of the transaction amount.
• When paying with Apple Pay, it is not necessary to enter a PIN code at a POS terminal, but authentication with Face ID, Touch ID, or your device's password is mandatory, regardless of the transaction amount.

Credit criteria

Credit criteria

• Individual citizens of the Republic of North Macedonia
• Age of the beneficiary - from 20 to 67 years old on the day of application
• Minimum income of 40,000 denars

Required documents

• Personally completed and signed application for a Mastercard Platinum credit card
• Valid ID card or passport
• For clients who receive salary/pension through SB
  • bank statement from the last 6 months
• For clients who do not receive a salary/pension
  • Confirmation of regular employment no older than 30 days, certified and signed by authorized persons at the employer
  • If necessary, other documentation for proof of the amount of monthly income