Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Fees for bank cards for individuals



 

 

Maestro® debit card for individuals


Interest rates
  • 0.0% on positive balance 
  • 10.20% on the amount to the overdraft facility
  • 10.25% 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

Check of the statement of debit card accounts at ATMs, after 3 free of charge checks of accounts in a month

 20 denars


top ^




Visa Debit debit card for individuals


Interest rates
  • 0.0% on positive balance
  • 10.20% on the amount to the overdraft facility
  • 10.25% 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

Check of the statement of debit card accounts at ATMs, after 3 free of charge checks of accounts in a month

 20 denars


top ^




Debit MasterCard® debit card for individuals


Interest rates
  • 0.0% on positive balance 
  • 10.20% on the amount to the overdraft facility
  • 10.25% 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

Checking a debit card account balance (statement) at ATM after checking it 3 times free of charge in the course of one calendar month

20 denars


top ^




Debit MasterCard World debit card for individuals


Interest rates

Reference interest rate for calculation of the default interest rate

2.25%

Deposit interest rate

0.0%

Interest rate up to the amount of overdraft facility

7.95 p.p. over the reference interest rate, or 10.20%

Interest rate for the amount over the overdraft facility

10.25%

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

Checking a debit card account balance (statement) at ATM after checking it 3 times free of charge in the course of one calendar month

20 denars


top ^




MasterCard® Standard credit card for individuals


Nominal interest rates****

on the denar account

  • 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)*
  • 10.25% on the amount over the credit limit

on the foreign currency account

  • 7.6% annually on the amount of the used credit limit (1-month EURIBOR + 7.6%, but not less than 7.6%)**
  • 7.636% 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

480 denars

300 denars

for cards with approved credit limit over 50,000 denars

960 denars

480 denars

Utilization fees

 

at ATMs

at counters

of the Bank

2%, min. 200 den.

2%, min. 200 den.

of other banks in the country

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min.. 6 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




MasterCard® Revolving credit card for individuals


Nominal interest rates****
  • 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)*
  • 10.25% 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

480 denars

300 denars

for cards with approved credit limit over 50,000 denars

960 denars

480 denars

Utilization fees

 

at ATMs

at counters

of the Bank

2%, min. 200 den.

2%, min. 200 den.

of other banks in the country

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min. 300 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




MasterCard® SP Co-branding credit card for individuals


 
Nominal interest rates****
  • 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)*
  • 10.25% 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

480 denars

300 denars

for cards with approved credit limit over 50,000 denars

960 denars

480 denars

Utilization fees

 

at ATMs

at counters

of the Bank

2%, min. 200 den.

2%, min. 200 den.

of other banks abroad

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min. 300 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




MasterCard® Skopje City Mall credit card for individuals


Nominal interest rates****
  • 8.24% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 6.29%)*
  • 10.25% on the amount over the credit limit

Annual membership fee***

 

for the basic
card

for the additional
cards

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

2%, min. 200 den.

2%, min. 200 den.

of other banks in the country

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min. 300 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




Visa Classic Standard credit card for individuals


Nominal interest rates****
  • 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)*
  • 10.25% on the amount over the credit limit

Annual membership fee***

 

for the basic
card

for the additional
cards

for the first year and 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

2%, min. 200 den.

2%, min. 200 den.

of other banks in the country

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min. 300 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




Visa Classic Revolving credit card for individuals


Nominal interest rates****
  • 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)*
  • 10.25% on the amount over the credit limit

Annual membership fee***

 

for the basic
card

for the additional
cards

for the first year and 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

2%, min. 200 den.

2%, min. 200 den.

of other banks in the country

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min. 300 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




Visa Revolving Study&Go credit card for students and postgraduates


Nominal interest rates****
  • 10.99% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 9.04%)*
  • 10.25% on the amount over the credit limit

Annual membership fee***

 

for the basic
card

for the additional
cards

 

for annual turnover up to 30,000 denars

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

2%, min. 200 den.

2%, min. 200 den.

of other banks in the country

3%, min. 300 den.

3%, min. 300 den.

of other banks abroad

3%, min. 300 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




Visa Gold Standard and Visa Gold Revolving credit cards for individuals


Nominal interest rates****

Visa Gold Standard

  • 10.64% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.69%)*
  • 10.25% on the amount over the credit limit

Visa Gold Revolving

  • 10.84% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.89%)*
  • 10.25% 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

1,800 denars

900 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. 250 den.

2%, min. 250 den.

of other banks in the country

3.5%, min. 350 den.

3.5%, min. 350 den.

of other banks abroad

4%, min. 500 den.

4%, min. 500 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^




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


Nominal interest rates****

MasterCard Platinum Revolving

  • 10.14% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.19%)*
  • 10.25% on the amount over the credit limit

MasterCard Platinum Standard

  • 10.14% annually on the amount of the used credit limit (reference interest rate of 1.95% increased for 8.19%)*
  • 10.25% 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

3.5%, min. 350 den.

3.5%, 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

Request for change of the credit card limit

 300 denars

Check of the statement of credit card accounts at ATMs

 20 denars


top ^


* 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 1.95%. 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 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.



**** 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 10.25% per annum.



The Bank shall apply proportional method for calculation of interest.