Membership fees and charges

• 3,600 MKD annual membership (paid upon issuance)
• 0 denars membership fee (without annual membership) for the additional card
• One-time cost of 300 MKD for making an additional card
• No membership for SB Exclusive clients
• NO COMMISSION for cash withdrawals from SB ATMs
• For cash withdrawals from ATMs of other banks in the Republic of North Macedonia, the denar account is debited with a commission of 70 MKD + 2% of the withdrawn amount.
• For cash withdrawals abroad, the Denar account is debited with a commission of 2.5%, min. 250 MKD of the withdrawn amount.
• 0 denars membership fee (without membership) for the additional card.
• 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.
• The cost of 100 MKD when renewing the card (the cost is charged once every 5 years, when a new card is issued)

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 2,000 denars, it must be authenticated with a PIN. Otherwise, it will be rejected (this limit per contactless transaction at certain POS terminals in the country may be 2,500 denars, and in other countries it may exceed 2,500 denars).
• 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.

Documents

• Individuals who are citizens of the Republic of North Macedonia
• Persons over 18 years of age
• Valid ID card or passport
• Personally signed application for a Mastercard Platinum debit card