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contact@kb.com.mk

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Fees for bank cards for individuals



 

 

Maestro® debit card for individuals


Interest rates
  • 0.01% on positive balance 
  • 11.70% on the amount to the overdraft facility
  • 11.75% on the amount over the overdraft facility

 

Annual membership fee*

 

 

 

 

for the basic card

for the additional cards

 

on salary or pension through the Bank

free of charge

 

 

for the first year

free of charge

free of charge

 

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

1,8%, min. 100 den.

2%, min. 150 den.

of other banks abroad

2%, min. 3 euros

2%, min. 5 euros

Additional services

PIN code re-issuance

150 denars

 

re-issuance of lost, stolen or damaged card

200 denars

 

groundless complaint reported

300 denars

 

blocking card at the stop list

800 denars

 

card issuance within 24 hours

600 denars

 

Change of PIN at ATM

80 denars

 


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Visa Electron debit card for individuals


Interest rates
  • 0.01% on positive balance
  • 11.70% on the amount to the overdraft facility
  • 11.75% on the amount over the overdraft facility

Annual membership fee*

 

for the basic
card

for the additional
cards

on salary or pension through the Bank

free of charge

 

for the first year

free of charge

free of charge

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.

Additional services

PIN code re-issuance

150 denars

re-issuance of lost, stolen or damaged card

200 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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Debit MasterCard® debit card for individuals


Interest rates
  • 0.01% on positive balance 
  • 11.70% on the amount to the overdraft facility
  • 11.75% on the amount over the overdraft facility

 

Annual membership fee*

 

 

 

 

for the basic card

for the additional cards

 

on salary or pension through the Bank

free of charge

 

 

for the first year

free of charge

free of charge

 

for each consecutive year

 

 

 

for annual turnover over 30.000 denars

free of charge

free of charge

 

for annual turnover up to 30.000 denars

300 denars

180 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.

Additional services

PIN code re-issuance

200 denars

 

re-issuance of lost, stolen or damaged card

400 denars

 

Change of PIN at ATM

80 denars

 


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Debit MasterCard World debit card for individuals


Interest rates

Reference interest rate for calculation of the default interest rate

3.75%

Deposit interest rate

0.01%

Interest rate up to the amount of overdraft facility

7.95 p.p. over the reference interest rate, or 11.70%

Interest rate for the amount over the overdraft facility

11.75%

Annual membership fee*

 

 

 

 

for the basic card

for the additional cards

 

for the first year

360 denars

180 denars

 

• for the existing holders of debit cards realizing annual turnover under trading transactions with the debit cards of over MKD 80,000

free of charge

free of charge

 

for each consecutive year

 

 

 

for annual turnover over 80.000 denars

free of charge

free of charge

 

for annual turnover up to 80.000 denars

360 denars

180 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.

Additional services

PIN code re-issuance

200 denars

 

re-issuance of lost, stolen or damaged card

400 denars

 

Change of PIN at ATM

80 denars

 


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MasterCard® Standard credit card for individuals


Interest rates

on the denar account

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

 

on the foreign currency account

  • 7.6% annually on the amount of the used credit limit
  • 7.634% 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

 

 

 

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

 

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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MasterCard® Revolving credit card for individuals


Interest rates
  • 11.25% annually on the amount of the used credit limit
  • 11.25% 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

 

 

 

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. 100 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. 250 den.

2,5%, min. 350 den.

 

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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MasterCard® SP Co-branding credit card for individuals



  • 11.25% annually on the amount of the used credit limit
  • 11.25% 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

 

 

 

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. 100 den.

1,5%, min. 100 den.

 

of other banks abroad

2%, min. 120 den.

2,5%, min. 350 den.

 

of other banks abroad

2%, min. 250 den.

2,5%, min. 350 den.

 

Additional services

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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MasterCard® Skopje City Mall credit card for individuals


Interest rates
  • 8% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Annual membership fee*

 

 

 

 

for the basic
card

for the additional
cards

 

for the first year

free of charge

free of charge

 

for each consecutive year

720 denars

240 denars

 

for annual turnover over 50,000 denars at points of sale in Skopje City Mall

180 denars

120 denars

 

Utilization fees

 

at ATMs

at counters

 

of the Bank

1,5%, min. 100 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. 250 den.

2,5%, min. 350 den.

 

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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MasterCard® domestic credit card for individuals


Interest rates
  • 11.25% annually on the amount of the used credit limit
  • 11.25% 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%

2%, min. 100 den.

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

300 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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MasterCard® international credit card for individuals

Interest rates
  • 7.6% annually on the amount of the used credit limit
  • 7.634% on the amount over the credit limit
  • deposit interest rate on the deposited amount equal to the interest rate on FX time savings deposits in euros deposited for period of 12 months
  • interest on positive balance equal to the interest rate on FX demand savings deposits in euros

 

Annual membership fee*

 

for the basic
card

for the additional
cards

for each year

24 euros

12 euros

Utilization fees

 

at ATMs

at counters

 

of the Bank

1.5%, min. 80 den.

1%

 

of other banks abroad

1%, min. 3 euros

3%, min. 6 euros

 

Additional services

PIN code re-issuance

250 denars

 

re-issuance of lost, stolen or damaged card

500 denars

 

groundless complaint reported

300 denars

 

blocking card at the stop list

800 denars

 

card issuance within 24 hours

600 denars

 

Change of PIN at ATM

80 denars

 


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Visa Classic Standard credit card for individuals


Interest rates
  • 11.25% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Annual membership fee*

 

for the basic
card

for the additional
cards

 

for the first year

free of charge

free of charge

 

for each consecutive year

900 denars

420 denars

 

for annual turnover over 80,000 denars

free of charge

free of charge

 

Utilization fees

 

at ATMs

at counters

 

of the Bank

1,5%, min. 100 den.

2%, min. 150 den.

 

of other banks in the country

2,5%, min. 150 den.

3%, min. 300 den.

 

of other banks abroad

2,5%, min. 250 den.

3%, min. 300 den.

 

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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Visa Classic Revolving credit card for individuals


Interest rates
  • 11.25% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Annual membership fee*

 

for the basic
card

for the additional
cards

 

for the first year

free of charge

free of charge

 

for each consecutive year

900 denars

420 denars

 

for annual turnover over 100,000 denars

free of charge

free of charge

 

Utilization fees

 

at ATMs

at counters

 

of the Bank

1,5%, min. 120 den.

2%, min. 150 den.

 

of other banks in the country

2,5%, min. 150 den.

3%, min. 300 den.

 

of other banks abroad

2,5%, min. 250 den.

3%, min. 300 den.

 

Additional services

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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Visa Revolving Study&Go credit card for students and postgraduates


Interest rates
  • 11.25% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Annual membership fee*

 

for the basic
card

for the additional
cards

 

for the first year

free of charge

free of charge

 

for each consecutive year

360 denars

240 denars

 

for annual turnover over 30,000 denars

free of charge

free of charge

 

Utilization fees

 

at ATMs

at counters

 

of the Bank

1,5%, min. 120 den.

2%, min. 150 den.

 

of other banks in the country

2,5%, min. 150 den.

3%, min. 300 den.

 

of other banks abroad

2,5%, min. 250 den.

3%, min. 300 den.

 

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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Visa Gold Standard and Visa Gold Revolving credit cards for individuals


Interest rates

Visa Gold Standard

  • 10.50% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Visa Gold Revolving

  • 10.90% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Annual membership fee*

 

 

for the basic
card

for the additional
cards

 

for the first year

free of charge

free of charge

 

for each consecutive year

3000 denars

1500 denars

 

for annual turnover over 250,000 denars

free of charge

free of charge

 

Utilization fees

 

at ATMs

at counters

 

of the Bank

2%, min. 200 den.

2,5%, min. 250 den.

 

of other banks in the country

2,5%, min. 200 den.

3%, min. 300 den.

 

of other banks abroad

2,5%, min. 250 den.

3%, min. 350 den.

 

Additional services

 

 

 

 

PIN code re-issuance

250 denars

re-issuance of lost, stolen or damaged card

500 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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MasterCard® Platinum Revolving and MasterCard® Platinum Standard credit cards for individuals


Interest rates

MasterCard Platinum Revolving

  • 9.90% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

MasterCard Platinum Standard

  • 9.90% annually on the amount of the used credit limit
  • 11.25% on the amount over the credit limit

 

Annual membership fee*

 

 

for the basic
card

for the additional
cards

 

for the first year

free of charge

free of charge

 

for each consecutive year

3600 denars

1800 denars

 

for annual turnover over 600,000 denars

1.200 denars

600 denars

 

Utilization fees

 

at ATMs

at counters

 

of the Bank

2%, min. 250 den.

2%, min. 250 den.

 

of other banks in the country

3%, min. 300 den.

3%, min. 350 den.

 

of other banks abroad

4%, min. 500 den.

4%, min. 500 den.

 

Additional services

 

 

 

 

PIN code re-issuance

400 denars

re-issuance of lost, stolen or damaged card

1200 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars

Change of PIN at ATM

80 denars


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* 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.