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contact center:
(02) 3 296 800


Debit MasterCard® World debit card for retail clients

Debit MasterCard® World is the most practical card for purchasing. You get all the advantages of debit cards, you can pay contactless in a second, and you get excellent opportunity for cash-back when pay trade transactions. The more trade transactions you pay the more cash-back you get.
Through the common denar and foreign currency account, your money will be with you at millions of points of sale and ATMs everywhere in the world or when paying on Internet.






- No membership fees for the first year for the existing debit card holders realizing annual turnover with the debit cards of over MKD 80,000;
- No membership fees throughout the whole period of use if you realize turnover in trade of over MKD 80,000;
- One denar account for use of the card in the country and abroad;
- Allows quick and easy contactless payments;
- You get cash-back when paying trade transactions* („cash back“):
- for turnover in trade up to MKD 10,000 per month: 0.4% of the turnover realized,
- for turnover in trade over MKD 10,000 per month: 0.6% of the turnover realized.
- Exclusive admission and free of charge services for the holder, plus one more person at holder’s choice, at VIP lounges at Vienna and Belgrade airports;**
- You can buy safely and without any fees 35 million of points of sale throughout the world;
- Provided a possibility of using the available funds 24 hours a day at ATMs and in trade;
- Simple follow-up of statement of accounts with the Bank anywhere in the world through the services of e-banking, m-Banka and SMS banking;;
- Provided a possibility of using the available funds by buying on Internet;
- Debit card with chip and characteristics and treatment of a credit card;
- 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.

*The cash-back is calculated once a month, and is paid as a gift card, at the moment when MKD 1,000 are accumulated.
** This privilege/service is provided by the international institution Mastercard Worlwide, the so called service provider, while Komercijalna Banka AD Skopje is an intermediary between the service provider and the end user. The Service may be temporarily or completely discontinued by Mastercard Worlwide without prior notice, where Komercijalna Banka AD Skopje is not responsible for the performance thereof.


Debit MasterCard® World 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 accepted at more than 35 million locations in the world bearing the trade mark of Debit MasterCard® World. 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.

Apart from the basic functions, this card also provides quick and contactless payments in trade without entering a PIN code for transactions in the amount up to MKD 2,000.

Detailed information regarding the acceptance 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® World debit card

Follow the following three steps to get your new Debit MasterCard® World debit card:

Fill in the short application for Debit MasterCard®World debit card and provide the accompanying documentation.
Submit the Application and the supporting documentation to the nearest city-branch or branch of the Bank or apply online at APPLY ONLINE
You can take your new card within 7 days from the date of submission of the application.

Conditions and fees


Any employed person having the status of resident of R. North Macedonia


Interest rates

Reference interest rate for calculation of the default interest rate


Deposit interest rate


Interest rate up to the amount of overdraft facility

7.95 p.p. over the reference interest rate, or 9.20%*

Interest rate for the amount over the overdraft facility


Annual membership fee**


basic card

additional card

for the first year

MKD 360

MKD 180

• 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 MKD 80,000

free of charge

free of charge

• for annual turnover of up to MKD 80,000

MKD 360

MKD 180

Fees for cash withdrawal


at ATMs

at Bank’s counters

of the Bank

free of charge


of other banks in the Country

2%, min. MKD 100

2%, min. MKD 300

of other banks abroad

2%, min. MKD 200

2%, min. MKD 300


* The interest rate used for calculation of the interest on the utilized part of the overdraft facility is 9.20% and is defined when 7.95 percentage points are added to the reference interest rate which currently is 1.25% 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.

*** Basic card of a client who realizes annual turnover in trade of over MKD 80,000 with other debit cards issued by the Bank – free of charge for the first year.

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.

Contact persons

Neda Radnjanska, Head of Transaction Accounts Unit
Phone: (+389 2) 3168-265
Fax: (+389 2) 3220-987
e-mail: neda.radnjanska@kb.com.mk

Elena Arsova Begic, Head of Bank Cards Unit
Phone: (+389 2) 3168-108
Fax: (+389 2) 3114-232
e-mail: elena.arsova@kb.com.mk
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