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SMART loan through credit card

The SMART loan is a revolving consumer loan in denars for individuals with included insurance in case of repayment inability, which may be used through a special-purpose card issued by the Bank, or by non-cash transfer of the funds from the credit limit approved to the Borrower's transaction account with the Bank. This hybrid product is a combination of a consumer loan and credit card and provides you multiple use of the loan funds approved through a credit card, in accordance with your needs.
It is intended for individuals at the age between 18 and 60, who receive their monthly salary at their accounts with Komercijalna Banka.

APPLY ONLINE – For Internet Bank users having an option for payment, the Bank has provided a faster and simpler procedure for online applying for a credit card.

Advantages of the SMART loan


- Denar loan that provides increased purchasing power for the borrower;;
- Included insurance in case of repayment inability, through Triglav Osiguruvanje AD Skopje, free of charge;
- Maximum loan amount approved up to MKD 400,000, depending on the client's creditability;
- Flexible lending and repayment &S211; use as much of the approved credit limit as you need;
- No guarantors, no administrative ban on salary and simplified application procedure;
- Use of funds available 24/7 through ATMs;
- Withdrawing cash free of charge;;
- Check of credit card account statement at ATM  free of charge;
- Possibility for simplified transfer of loan funds on transaction account free of charge and their use through a debit card;
- Monthly debt due date on the 15th day of the month (no interest free period);
- Settlement of liabilities due by standing order;;
- Minimum repayment of 3% of the utilized part of the credit limit;
- Favorable interest rate on the utilized part of the credit limit;
- Possibility for adjustment (change) of daily card limits;
- Simplified monitoring of the accounts balance through Internet Bank, mBanka and SMS banking services;
- Clients&S217; support available 24/7.

Use of the SMART loan

SMART loan funds may be used through a card used for withdrawing and depositing cash in denars at any of the ATMs of Komercijalna Banka AD Skopje (if, when applying for the loan, the client chooses to use a card) or by cashless transfer of credit limit funds on borrower's transaction account with the Bank to be used through the client's debit card.

SMART loan offers you flexibility regarding the utilization and repayment of loan funds. For more information on the method of use of this type of loan, please read the document Information on SMART loan use.

Please go through the full list of ATMs and find the one nearest to you.

The tips for safe use of the cards of Komercijalna Banka AD Skopje will help you in your safety and comfort when using the SMART loan through credit card, (items 4, 5 and 6 of the tips for safe card use do not refer to SMART credit).

Get your SMART loan in a simple procedure

Follow the three steps to your SMART loan:

Fill out the short SMART Loan Application Form and provide the supporting documents.
Submit the Application and supporting documentation required to the nearest larger city-branch (a city-branch having an officer responsible therefor) or branch of the Bank.
You will have your SMART loan through credit card approved within 5-7 working days from the date of submission of the loan application.

Conditions and fees


creditworthy individuals at the age between 18 and 60

Nominal interest rates***

- 8.85% p.a. on the disbursed credit limit amount
(reference interest rate of 1.28% increased for 7.57 p.p.)*
- 9.25% on the amount over the credit limit

Annual membership fee**


SMART loan Borrower

Additional cardholder***

credit limit up to MKD 150,000

MKD 600

MKD 300

credit limit from MKD 150,001 to MKD 250,000

MKD 960

MKD 480

credit limit over MKD 250,000

MKD 1.440

MKD 720

Method of use

- withdrawing cash at Bank&S217;s ATMs
- transfer of credit limit funds on transaction account
- transfer of funds from the SMART loan to own transaction account in the Bank through Internet Banking and Mbanka

Utilization fees

application and processing commission

MKD 400

withdrawing cash at Banks ATMs

free of charge

transfer of credit limit funds on transaction account

free of charge

*The reference interest rate shall be the rate announced and available on the web site of NBRM( 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 1.28%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site. LINK

** The annual membership fee for the SMART loan will be calculated on a monthly basis, i.e. the account will be debited in 12 equal monthly amounts. If the Borrower settles the SMART loan before the end of the year for which the membership fee is charged, the Bank will collect the remaining amount of unpaid membership fee for the respective year. The insurance premium is included in the membership fee.

***If, when applying, the SMART Credit Borrower has chosen the option not to be issued a credit card for the SMART loan, the Borrower cannot authorize an additional cardholder.

**** 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 9.25% per annum.  

The Bank shall apply a proportional method for interest calculation.



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