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Contact           24/7
contact@kb.com.mk

contact center:
(02) 3 296 800

Package for students and postgraduates

 

The student and postgraduate package is intended for students and postgraduates from 18 to 25 years, who are still unemployed and have no income based on salary.


Products that you receive with the package:


And two additional products on your request:


Please deliver the filled out application for package for students and postgraduates to the nearest branch office or city-branch of the Bank.


Important note: When you turn 25 and once you receive the first inflow on the basis of salary on the transaction current account, the possibility of using the package shall stop.


Transaction current account

It is an account that is a unique and unrepeatable numerical identification data in the payment system, through which all payments are made.


Advantages

  • No management fee for the first year from the opening of the transaction account;
  • No management fee, for annual turnover of more than MKD 15,000 realized in trade
  • lower fees for non-cash transfer for payments made towards faculties

 

Fees for keeping a transaction current account

for the first year

free of charge

after the first year

for annual turnover up to MKD 15,000

25,00 MKD

for annual turnover over MKD 15,000

free of charge

 


Debit card

It is the most common and simplest payment instrument for easy and safe payment and cash withdrawal worldwide. You have as much funds available for spending with the card as you have on your transaction current account.


Advantages and opportunities

  • The Bank offers two types of debit cards, Maestro ® debit card and Visa Electron debit card, which you can use at home and abroad;
  • Debit cards are linked to the current account transaction. This means that if you have the funds in your current account transaction, it may be available and through debit cards;
  • You can use debit cards free of charge for cash withdrawal at any time of the ATMs of Komercijalna Banka, as well as for payments in trade at home and abroad without any compensation
  • Debit cards allow simpler and more secure way of payment in store, when traveling in the country and abroad, graduate excursions, shopping, summer or winter vacations;
  • No membership fee for the first year of issuance of the debit card;
  • No membership fee after the first year for average annual turnover in trade with debit card more than 15,000 denars

Annual membership fee for Maestro/Visa Electron debit card

 

Basic card

Additional card

for the first year

free of charge

free of charge

after the first year

for annual turnover up to MKD 15,000


MKD 120,00


MKD 120,00

for annual turnover over MKD 15,000

free of charge

MKD 120,00

 


Important note :

  • The use of Visa Electron debit card in the Republic of Macedonia and abroad depends on the MKD funds available on your transaction account.
  • The use of the Maestro debit card in the Republic of Macedonia depends on the MKD funds available on your transaction account. The card may be used for payments abroad only upon depositing foreign currency (EUR) on your FX account.


Internet bank for individuals

It is a modern technical solution through which you get an opportunity to use the wide range of banking services offered by the Bank wherever you need, at any place, at any time, 24 hours a day, irrespective of the Bank's working hours.

 

Можности

  • Service available via Internet banking allows you to have a precise insight into the balance and turnover under all products and services that you use in the Bank, at any time.
  • Apart from the above stated, Internet Bank enables carrying out the following transactions:
    • Payment of the utilities bills;
    • transfer of funds from your denar and FX transaction accounts in the Bank to all other Bank’s products;
    • transfers of funds to other accounts in the Bank and in other banks;
    • purchase/sale of foreign currency;
    • depositing funds on the existing term and ordinary savings deposit accounts.

Advantages for students

  • Payment of fees towards faculties by non-cash transfer via Internet bank, at lower fees, compared to the cash payment fees

 

Types of media for payment via Internet Bank

  • The list codes for single use - allows you to make payments and bank transactions via Internet. The list contains 40 codes with validity of 1 year, free of charge. Any reissuing of new list of codes, due to any reason, shall be free of charge.
  • Optionally, the client may be issued digital certificate on USB token; the first issue will be charged MKD 3,000, and its reissuing will be charged MKD 500 every third year.

 

Fees for issuance of a medium for payment via Internet Bank

Issuance of list of codes for single use

free of charge

Issuance of a digital USB token certificate*

 

- first issuance

MKD 3,000.00

- re-issuance every third year 

MKD 500.00

*The client decides which payment medium will use



SMS Banking

This optional service for the client provides SMS notifications on the client’s cell phone on the changes that occurred on its payment cards’ accounts. This means that the client may be provided information on the statement of its account, withdrawal of cash on ATM, POS terminal transactions, transaction amount, transaction place, changes on the cards’ accounts (notifications on payments and withdrawals) realized in the country or abroad.

The SMS notifications on inflow or outflow on the card’s account through POS terminal and ATM shall be charged MKD 3.00 (VAT included), while the notifications related to the card renewal, re-issuance of stolen/lost card, PIN re-issuance, etc., shall be free of charge.

The fees for all messages sent during a month shall be charged by debiting the transaction account at the beginning of the following month.


Important note :

No SMS messages shall be sent for inflows on the client’s transaction account.



 credit card for students and postgraduates


Advantages and opportunities

  • shopping through Internet
  • use of the card for transactions in trade in the country and abroad,free of charge
  • repayment of 10% of the funds spent up to the 15th day of the month
  • credit limit from MKD 0 to MKD 12,000

 

Annual membership fee for VISA Revolving Study& Go credit card

 

 

Basic card

Additional card

for the first year

free of charge

free of charge

after the first year

for annual turnover up to MKD 30,000

MKD 360,00

MKD 240,00

for annual turnover over MKD 30,000

free of charge

free of charge

Interest rate

- 11,25% p.a. for the used amount of the credit limit
- 11,25 % over the amount of the credit limit


Note :

When applying for this credit card is required guarantor.




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