Fees for bank cards for individuals
Maestro® debit card for individuals
| Interest rates |
- 0.0% on positive balance
- 9.20% on the amount to the overdraft facility
- 9.25% 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
- 9.20% on the amount to the overdraft facility
- 9.25% 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
- 9.20% on the amount to the overdraft facility
- 9.25% 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 |
1.25%
|
| Deposit interest rate |
0.0%
|
| Interest rate up to the amount of overdraft facility |
7.95 p.p. over the reference interest rate, or 9.20%
|
| Interest rate for the amount over the overdraft facility |
9.25%
|
|
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
- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% 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%)**
- 7.436% 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**** |
- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% 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****
|
- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% 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**** |
- 7.57% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 6.29%)*
- 9.25% 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 ^
Mastercard® Wizz Air credit card for individuals
|
Nominal interest rates****
|
- 10.36%annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.08%.)*
- 9.25% on the amount over the credit limit
|
|
Annual membership fee**
|
|
for the basic
card
|
for the additional
cards
|
|
for the first year
|
3,000 denars
|
1,200 denars
|
|
for each consecutive year
|
2,400 denars
|
960 denars
|
|
for annual turnover over MKD 120.000 made at points of sale
|
1,200 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 ^
Visa Classic Standard credit card for individuals
| Nominal interest rates**** |
- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% 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**** |
- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% 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**** |
- 10.32% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 9.04%)*
- 9.25% 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
- 9.97% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 8.69%)*
- 9.25% on the amount over the credit limit
|
|
Visa Gold Revolving
- 10.17% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 8.89%)*
- 9.25% 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
- 9.47% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 8.19%)*
- 9.25% on the amount over the credit limit
|
|
MasterCard Platinum Standard
- 9.47% annually on the amount of the used credit limit (reference interest rate of 1.28% increased for 8.19%)*
- 9.25% 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 ^
SMART loan through credit card for individuals
| Nominal interest rates**** |
- 8.85% p.a. on the disbursed credit limit amount (reference interest rate of 1.28% increased for 5.47 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
|
|
Utilization fees
|
withdrawing cash at Bank’s ATMs
|
free of charge
|
|
transfer of funds from credit card to transaction account
|
free of charge
|
|
Additional services
|
reissuance of PIN code
|
MKD 250
|
|
reissuance of lost, stolen or damaged card
|
MKD 500
|
|
groundless complaint submitted
|
MKD 300
|
|
blocking card on stop list
|
MKD 800
|
|
issuance of card within 24 hours
|
MKD 600
|
|
change of PIN at ATM
|
MKD 80
|
|
request for change of credit limit on credit card
|
MKD 300
|
|
application and processing commission
|
MKD 400
|
|
check of credit card account statement at ATM
|
free of charge
|
top ^
The Bank shall apply proportional method for calculation of interest.