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Contact           24/7

contact center:
(02) 3 296 800

MasterCard® domestic credit card for individuals

The simplest way to get a micro-consumer loan regardless of the amount of your salary. With the MasterCard® domestic credit card you enhance your possibilities fast and simply, with no obligation to provide deposit or guarantors.

Advantages of the card


- simple procedure for obtaining the card, without deposit or guarantors;
- low fees and commissions for card utilisation;
- up to 30 days of interest-free period for the transactions realized at points of sale;
- lowest interest rate on the used credit limit;
- quick and simple access to you money 24 hours a day through all of the ATMs in the Republic of Macedonia;
- reduced risks of carrying cash – losing, stealing, fraudulent banknotes etc.;
- you get additional cards for your loved ones, with the possibility of adjustment of the daily limits for each card;
- 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 services;
- easy settlement of your liabilities through the standing order service;
- 24 hour customer support, around the world.

Card utilization

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® domestic credit card

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

Fill in the short application for MasterCard® domestic 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 7 days from the date of submission of the application.

Terms and conditions


creditworthy individuals at the age between 18 and 68


Interest rates

- 11.75% annually on the amount of the used credit limit
- 12% on the amount over the credit limit

Annual membership fee*





for the basic card

for the additional cards


for each year

480 denars

180 denars


Utilization fees




at ATMs

at counters

of the Bank

1,5%, min. 80 den.

1%, min. 100 den.

of other banks in the country


2%, min. 100 den.

* 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.

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

Igor Andreevski, Senior Officer for Bank Cards Issuance
Phone: (+389 2) 3168-130
Fax: (+389 2) 3114-232
e-mail: igor.andreevski@kb.com.mk