header image header image

Visa Zero

Card info

Card info

  • International contactless credit card connected to the denar transaction account
  • Possibility to split the transactions up to 36 interest-free instalments
  • Monthly repayment of 3% of the total debt
  • 45-day interest free grace period for full debt settlement
  • Maximum credit limit of 50,000 MKD, depending on the client’s income
  • Free travel insurance with a 20-day coverage and 365-days validity period
  • Fast and simple application procedure in any SB branch, on phone No. 15-110 or at the following link mk

Use

  • Free of charge payments within the trade network
  • Monitoring and managing the account via the SB e-banking service
  • ATMs and over-the-counter (OTC) cash withdrawals under the most favourable terms and conditions
  • Can be used in the country and abroad
  • Can be used for internet payments with the highest protection level - 3D-Secure standard for SAFE online purchasing
  • No PIN required for contactless payments within the trade network up to 2.000 MKD

Limits

  • Maximum amount per transaction within the country and abroad up to 150,000 MKD
  • Cumulative monthly transaction amount  within trade network in the country and abroad up to 300,000 MKD
  • Daily ATM cash withdrawal limit up to 30,000 MKD in the country and abroad
  • Should you require limit increase please contact the Contact Centre on 3100-109.

Bank charges

Interest rates

  • 0% fixed annual interest rate

Membership fee

  • 1.980 MKD membership fee- shall be charged upon card issuance
  • Issuance of additional card free of charge
  • 90 MKD charge for a renewal of a card (one-time fee charge in 5 years upon issuing a new card) 

Fees and other charges

  • A fee in the amount of 2% + 100 MKD of the amount of transaction shall be charged to the denar account for SB ATMs cash withdrawal.
  • A fee in the amount of 5% but not less than 100 MKD of the amount of transaction shall be charged to the denar account for SB over-the-counter (OTC) cash withdrawal.
  • A fee in the amount of 100 MKD + 3% of the amount withdrawn shall be charged to the denar account for other banks ATMs and over-the-counter (OTC) cash withdrawals in the Republic of North Macedonia.
  • A fee in the amount of 150 MKD shall be charged for issuance of a new PIN
  • A fee in the amount of 300 MKD shall be charged for re-issuance of a new card, provided that the old card has been damaged, lost or stolen
  • A fee in the amount of 150 MKD shall be charged for re-issuance of a new card upon a change of the holder’s name or surname
  • A fee in the amount of 1,000 MKD shall be charged to the Denar account for a card retained in an ATM abroad.

Criteria and documents

Credit criteria

  • Individuals who are citizens of the Republic of North Macedonia
  • Age of the card holder -  from 20 to 67 years old on the date of application  
  • Minimum salary in the amount of 8,100 MKD

Required documents

  • Personally filled-in and signed application form for Visa Zero credit card
  • Valid ID
  • For clients receiving salary/pension on a SB account
    • Bank statement from the previous three months
  • For clients not receiving salary/pension on a SB account
    • Employment certificate with an issuance date not older than 30 days, certified and signed by a person authorized by the employer
    • Other documentation may be requested in order to prove the amount of a monthly salary
Search

Faq

24 hours CONTACT CENTER

For further information, please contact