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contact@kb.com.mk

contact center:
(02) 3 296 800

Fees for business cards





MasterCard® BusinessCard credit card



Nominal interest rate on the domestic account
  • 13.25% annually on the amount of the used credit limit (reference interest rate of 2.21% increased for 11.04%)*
  • 13.25% on the amount over the credit limit
Nominal interest rate on the foreign currency account
  • 9,6% annually on the amount of the used credit limit (1-month EURIBOR + 9.6%, but not less than 9.6%)**
  • 9,628% on the amount over the credit limit
Annual membership fee***  

per card

for the first issue

free of charge, for the first issuance to the existing users of international business credit cards before expiry of the card validity

for annual turnover realized (in trading and withdrawal of cash) in the amount of MKD 0.00-500,000.00 per account

1,500 denars

for annual turnover realized (in trading and withdrawal of cash) in the amount over MKD 500,000.00 per account

free of charge

Utilization fees  

at ATMs

at counters

of the Bank

2%, min. 100 den

3%, min. 300 den.

of other banks in the country

3%, min. 250 den.

4%, min. 400 den.

of other banks abroad

3%, min. 4 EUR

4%, min. 6 EUR

Additional services PIN code re-issuance PIN code.

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




MasterCard® international business credit card


Nominal interest rate
  • 9.6% loan interest rate within the credit limit (1-month EURIBOR + 7.6%, but not less than 9.6%)**
  • 9.628% loan interest rate on the amount of the overdraft over credit limit
Annual membership fee*** 60 EUR per card
Utilization fees  

at ATMs

at counters

in the country

2%

cannot be used at counters

out of the country

3%, min. 4 EUR

4%, min. 6 EUR

Additional services PIN code re-issuance PIN code.

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



Visa Business Revolving credit card


Nominal interest rate
  • 13.25% annually on the amount of the used credit limit (reference interest rate of 2.21% increased for 11.04%)*
  • 13.25% on the amount over the credit limit
Annual membership fee***  

per card

for the first year

3,000 denars

for each consecutive year

3,000 denars

for annual turnover of over 500,000 denars

free of charge for all the cards

Utilization fees  

at ATMs

at counters

of the Bank

2%, min. 100 den.

3%, min. 300 den.

of other banks in the country

2.5%, min. 200 den

3.5%, min. 300 den.

of other banks abroad

2.5%, min. 250 den.

3.5%, min. 350 den.

Additional services PIN code re-issuance PIN code.

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



Visa Corporate business credit card


Annual membership fee***  

per card

for the first year

free of charge

for each consecutive year

3.600 denars

for annual turnover over1.500.000 denars

free of charge for all cards

Nominal interest rates
  • 10.90% p.a. up to the amount of the credit limit (reference interest rate of 2.21% increased for 8.69%)*
  • 13.25% p.a. over the credit limit
Utilization fees  

at ATMs

at counters

of the Bank

2,5%, min. 200 den.

3%, min. 300 den.

of other banks in the country

3%, min. 200 den.

3,5%, min. 350 den.

of other banks abroad

3%, min. 250 den.

3,5%, min. 400 den.



Visa Business Debit


Daily transaction limits

set by card, according to the company’s needs

Annual membership fee***  

per card

for the first year

600 denars

for each consecutive year

300 denars

for annual turnover over 500,000 denars

free of charge

Utilization fees  

at ATMs

at counters

of the Bank

0.25%, min. 50 den.

0.35%, min. 100 den.

на други банки во земјата

2%, min. 100 den.

2%, min. 300 den.

на други банки во странство

2%, min. 200 den.

2%, min. 300 den.

Additional services PIN code re-issuance

200 denars

groundless complaint reported

300 denars

blocking card at the stop list

800 denars

card issuance within 24 hours

600 denars



* 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 2.21%. 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 fees for all types of cards will be calculated on monthly basis i.e. the account will be debited in 12 equal amounts. The debiting of individual accounts shall begin in the month of expiry of the period for the last paid membership or upon expiry of the 12 month free membership period, depending on the date of issuance of the card.
The Bank uses the proportional method for calculation of interest.