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contact center:
(02) 3 296 800

MasterCard® Standard credit card for individuals


MasterCard® Standard is a credit card for individuals that enhances the purchasing power and ensures worldwide acquiring.
The right choice of card for modern people that want more from each moment.

Advantages of the card


- no membership fee in the first year;
- credit limit depending on the available amount of your monthly salary;
- the approved credit limit can be allocated according to your own choice on two accounts (in MKD and EUR), with a possibility to change the proportion;
- up to 42 days of interest-free period for the transactions realized at points of sale;
- low interest rate on the used credit limit;
- you may shop safely and free of commission at millions of points of sale throughout the world;
- enables Internet shopping;
- you get additional cards for your loved ones, with the possibility of adjustment of the daily limits for each card;
- low fees and commissions for card utilisation;
- you can follow the statements of the accounts from your home, work place or anywhere in the world by using our Internet bank , mBanka and SMS banking ;
- easy settlement of your liabilities through the standing order service;
- 24 hour customer support, around the world.

Card utilization

MasterCard® Standard is acquired at more that 35 million points of sale and more than 2 million ATMs throughout the world bearing the MasterCard®. 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 MasterCard® cards is available on www.mastercard.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 MasterCard® Standard credit card

Follow the following three steps to get your new MasterCard® Standard credit card:

Fill in the short application for MasterCard® Standard credit 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 5 working days from the date of submission of the application.

Terms and conditions


creditworthy individuals at the age between 18 and 68


Nominal interest rates****

on the denar account

- 11.12% annually on the amount of the used credit limit (reference interest rate of 2.08% increased for 9.04%)*
- 11.00% on the amount over the credit limit

on the foreign currency account

- 7.6% annually on the amount of the used credit limit (1-month EURIBOR + 7.6%, but not less than 7.6%)** 
- 7.630% on the amount over the credit limit

Annual membership fee***





for the basic card

for the additional cards


for cards with approved credit limit up to 50,000 denars

free of charge



for the first year

free of charge

free of charge


for each consecutive year

480 denars

300 denars


for cards with approved credit limit over 50,000 denars    
for the first year

free of charge

free of charge

for each consecutive year

960 denars

480 denars

Utilization fees


at ATMs

at counters

of the Bank

1.5%, min. 50 den.

1.5%, min. 100 den.

of other banks in the country

2%, min. 120 den

2.5%, min. 350 den.

of other banks abroad

2%, min. 4 euros

2.5%, min. 6 euros


* The reference interest rate shall be the rate announced and available on the web site of NBRM (www.nbrm.mk) each 25.06. and each 25.12. under the name “interest rate for denar deposits without currency clause” and shall apply for the current six-months period (until the end of the respective six-months period). Current applicable reference interest rate is 2.08%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK


** The rate of 1-month EURIBOR shall be announced at each 31.12. and 30.06. at the web site of the Bank and shall apply for the current six-months period (until the end of the respective six-months period) LINK . If the rate is of negative value, its value shall be taken to be 0.00 when calculating the nominal interest rate.

*** The annual membership for all types of cards shall be calculated on monthly basis, i.e. the account shall be debited in 12 equal installments. Debiting of the accounts shall be commenced in the month of expiry of the last paid membership fee, i.e. the free period of 12 months, depending on the date of issuance of the card.

**** If the nominal interest rate is higher than the penalty interest rate prescribed by law, the Bank shall calculate interest to the extent of the penalty interest rate prescribed by law, which is currently 13% per annum.

The Bank shall apply proportional method for calculation of interest.


Contact person

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