Incoming payments - Loro remittances

• The recipient of the funds should have a foreign currency payment account in the inflow currency
• Efficient execution of inflows on the same day as the currency date
• On the value date or the next working day at the latest the Bank informs the client – beneficiary
• Ability to lead with incoming payments in all branches of SB or through e-banking service of Stopanska banka

Commission

• Up to EUR 50.00 free of charge
• 0.10%, minimum EUR 5 + EUR 2 charge

Documents

Credit transfers in euros and in a currency other than euro

Credit transfers in euros and in a currency other than euro

• The client should have a foreign currency payment account in the remittance currency
• The client submits to the Bank payment documents in accordance with the regulations for performing payment services abroad
• Processing is on the same day of the received order, with value date on the following working day, according to the payment schedule
• Fast and efficient execution of the payment transaction abroad in all branches of SB or through e-banking service of Stopanska banka
• Due to the established extensive SWIFT network - links with banks around the world, customer’s additional charges are avoided

Commission
• Up to EUR 50.00 free of charge, only SWIFT MKD 350
• EUR 1- 50,000.00: 0.27%, min. EUR 4 + SWIFT MKD 350
• EUR 50.000.01- 100.000.00: 0.25% + SWIFT MKD 350
• EUR 100.000.01-500.000.00: 0.20% + SWIFT MKD 350
• Over EUR 500.000.01: 0.17% + SWIFT MKD 350

Required Documents

Other remittances and payments

Conditional Cash Transfers (CCTs) and remittances 

• Ability to execute conditional remittances with the same amount of refund, exclusively through SB counterparts
• A commission of 0.37% of the remittance minimum MKD 1,100.00

Payments/transfers to customers in foreign banks

• Efficient payment/transfer of funds to more foreign banks due to open accounts in SB
• Fee of 0.10% of the amount of remittance minimum EUR 15.00 and  
• up to EUR 50.00 no commission only swift costs

Checks drawn on foreign banks

• Fee of MKD 3,000 prepaid upon withdrawal of the check + 3.00% of check amount minimum MKD 1,000.00 per check upon check payment

Documents Collection (Documents Against Payment)

• Quality processing of import and export:
  • Bill of Exchange
  • Documents Against Payment
  • Timely execution of the payments/collections against the documentary collections

Commission

• Advising of Documentary Collection at sight – 0.22% of the amount, minimum MKD 1200
• Advising of Documentary Collection with maturity– 0.30% of the amount, minimum MKD 1200
• Collection of Documentary Collection - 0.10% of the amount, minimum MKD 400
• Payment of Documentary Collection
  
  • EUR 1 - 50.000 – 0.27%
  • EUR 50.000,01 - 100.000 – 0.25%
  • EUR 100.000,01 - 500.000 – 0.20%
  • Over EUR 500.000,01 – 0.17%, minimum MKD 250
• Protest of Documentary Collection – 0.50% of the amount, minimum MKD 3.000, plus notary expenses
• Handling of documents without payment – MKD 1200
  
  

Payment schedule

Payment schedule for execution of payment transactions abroad in Stopanska banka AD Skopje