Terms and conditions
Users
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individuals upon application submitted by legal entithy
|
Annual membership fee*
|
|
per card
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for the first year
|
free of charge
|
for each consecutive year |
3,600 denars
|
for annual turnover over 1,500,000 denars
|
free of charge for all cards
|
Nominal interest rates*** |
- 10.07% p.a. up to the amount of the credit limit (reference interest rate of 1.38% increased for 8.69%)**
- 11.5% p.a. over the credit limit |
Utilization fees
|
|
at ATMs
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at counters
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of the Bank
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2.5%, min. 200 den.
|
3%, min. 300 den.
|
of other banks in the country
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3%, min. 200 den.
|
3.5%, min. 350 den.
|
of other banks abroad
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3%, min. 250 den.
|
3.5%, min. 400 den.
|
** 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
1.38%. The Bank shall regularly announce the applicable reference interest rate for interest calculation at its web site.
LINK
*** 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 11.5% per annum.