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Contact           24/7

contact center:
(02) 3 296 800

Visa Electron debit card for individuals

The Visa Electron debit card is the easiest way to pay, wherever you are. Having a common denar and foreign currency account, you will always have your money with you at millions of points of sale and ATMs throughout the world.
The right Visa for you - Visa Electron debit card of Komercijalna Banka AD Skopje.

Advantages of the card


- no membership fee in the first year;
- no membership fee for the whole period of utilization, if you get salary or pension through Komercijalna Banka AD Skopje;
- single denar account to use for payments in the country and abroad;
- allows quick and easy contactless payments;
- safe and simple use of your money, at points of sale, at ATMs or at the Bank’s counters;
- interest on your positive balance;
- you can obtain overdraft facility to the extent of two month salaries;
- safe and commission free purchasing at millions points of sale throughout the world;
- possibility for payment in 3, 6 or 12 interest-free installments, at points of sale of legal entities that have concluded contract with the Bank;
- approved additional card for your closest family, with the possibility to adjust the limits for each card;
- low fees and commissions for use of the card;
- statements of accounts can be followed from home, work or anywhere in the world, through the services of Internet Bank, mBanka and SMS banking;
- 24 hour support to users, everywhere in the world.

Card utilization

Visa Electron debit card is a card you can use throughout the world and spend to the amount available on your transaction account, and if you are employed or a pensioner, you can use certain overdraft facility approved by the Bank.

It is acquired at 40 million points of sale and more than 1.9 million ATMs in more than 170 countries in the world bearing the Visa and Visa Electron logo. If you use this card you can be with your money all the time and you don’t need to carry cash, to be afraid of being robbed, of losing or having contact with fraudulent banknotes. More information on acquiring the Maestro® cards are available on www.visa.com.

Look at the full list of ATMs of Komercijalna Banka AD Skopje and find the nearest one.

For bigger safety and comfort when using the card you can apply the tips for safe usage of cards of Komercijalna Banka AD Skopje.

Simple procedure of getting a new Visa Electron debit card

Follow the following three steps to get your new Visa Electron debit card:

Fill in the short application for Visa Electron debit card and provide the accompanying documentation.
The application, along with the documentation, should be presented to the nearest city-branch or branch of the Bank.
You can take your new card within 7 days from the date of submission of the application.

Terms and conditions


Any employed individual or citizen of R. Macedonia


Interest rates

Reference interest rate


Interest rate on positive balance


Interest rate on the amount to the overdraft facility

7.95 percentage points over reference interest rate i.e. 11.95%*

Interest rate on the amount over the overdraft facility


Annual membership fee*


for the basic

for the additional


on salary or pension through the Bank

free of charge


for the first year

free of charge

120 denars


for each consecutive year

240 denars

120 denars


Utilization fees


at ATMs

At counters

of the Bank

free of charge


of other banks in the country

2%, min. 100 den.

2%, min. 300 den.

of other banks abroad

2%, min. 200 den.

2%, min. 300 den.

Annual membership fee for Visa Electron debit card for package for students and postgraduates

for the first year

for each consecutive year

for annual turnover to 15,000 denars

for annual turnover over 15,000 denars

Basic card

Free of charge

120,00 denars

Free of charge

Additional card

Free of charge

120,00 denars

120,00 denars

* The interest rate applied when calculating the interest on the utilized amount of the overdraft facility is 11.95%, and is calculated by adding 7.95 percentage points on the reference interest rate of NBRM, which currently is 4%
** The annual membership fee for all types of cards shall be calculated on monthly level, or the fee shall be debited from the client’s account in 12 equal monthly amounts. The debiting of the individual accounts shall start in the month following the month of expiry of the last membership fee installment, or the free of charge period of 12 months, depending on the date of issuance of the respective card

The Bank shall apply proportional method for calculation of interest.

Contact persons

Elena Arsova Begic, Head of Bank Cards Unit
Phone: (+389 2) 3168-108
Fax: (+389 2) 3114-232
e-mail: elena.arsova@kb.com.mk

Marija Srbinovska, Head of Transaction Accounts Unit
Phone: (+389 2) 3168-136
Fax: (+389 2) 3220-987
e-mail: marija.srbinovska@kb.com.mk