Debit MasterCard^® debit card for individuals

Advantages

- No membership fees for the first year;

- No membership fees throughout the whole period of use if you receive salary or pension in the Bank and you don’t hold other debit cards;

- One denar account for use of the card in the country and abroad;

- Allows quick and easy contactless payments;
-Safely and simply spend your money, at points of sale, at ATMs or at the Bank’s counters;

- You can buy safely and without any fees at millions of points of sale in the world;

- Simple follow-up of statement of accounts with the Bank anywhere in the world through the services of Internet Bank, mBanka and SMS banking;

- Provided a possibility of using the available funds 24 hours a day at ATMs and in trade;

- Provided a possibility of using the available funds by buying on Internet;

- Debit card with characteristics and treatment of a credit card;

- Global acquiring at more than 35 million locations;

- Possibility to be approved overdraft facility to the extent of two monthly salaries;

- Provided a possibility to pay in 3, 6, 12 or 24 installment, without interest, at the points of sale the Bank has concluded agreement with;

- You get additional cards for your closest family, with a possibility to adjust the limits for each card;

- low fees and commissions for use of the card.

Use

Debit MasterCard^® is a debit card you can use anywhere in the world and spend up to the amount available on your transaction account. If you are a pensioner or employed you may be approved an overdraft facility.

It is acquired at more than 35 million locations in the world bearing the trade mark of MasterCard®. If you use this card your money will always be with you, without taking care of carrying cash, fear from theft, loss or fraudulent banknotes. Detailed information regarding acquiring of these cards can be found at www.mastercard.com.

Look at the full list of ATMs of Komercijalna Banka AD Skopje and find the nearest ATM.

For safer and comfortable use of the card please apply the advice for safe use of the cards of Komercijalna Banka Skopje.

Simple procedure of getting a new Debit MasterCard^®

Follow the following three steps to get your new Debit MasterCard^®:

Fees

*** For cards with salary or pension on the account – if the client does not hold any other debit

* The interest rate used for calculation of the interest on the utilized part of the overdraft facility is 9.45% and is defined when 7.95 percentage points are added to the reference interest rate which currently is 1.5% and is used for calculation of the default interest rate.

** The annual membership fee for all types of cards shall be calculated on monthly level, or the fee shall be debited from the client’s account in 12 equal monthly amounts. The debiting of the individual accounts shall start in the month following the month of expiry of the last membership fee installment, or the free of charge period of 12 months, depending on the date of issuance of the respective card.

The Bank shall apply proportional method for calculation of interest.

**** Pursuant to the Law on Obligations, the reference interest rate for calculation of the default interest rate is determined for each calendar six-month period and is applied for the current six months (up to the end of the six-month period). At the beginning of the six-month period, NBRM publishes on its web site the reference interest rate for calculation of the default interest rate.