Credit Cards
Mastercard Standard
Card info
Promotional 4.9% interest rate until the end of the year for all applications received by 30.09.2026
Card description
International contactless credit card connected to the denar transaction account
Possibility to split the transactions up to 36 interest-free instalments
Possibility to withdraw cash without commission every last weekend of the month during the promo CASH weekend
Monthly repayment of 3% of the total debt
45-day interest free grace period for full debt settlement
Maximum credit limit of 300,000 MKD, depending on the client’s income
Fast and simple application procedure in any SB branch, on phone No. 15-110 or at the following link mk
Free travel insurance with 20-day coverage and 365-day validity period
Possibility to add the card to Google Wallet and Apple Wallet via the SB mobile application
The card is a specially designed payment card with tactile notches to help users identify and differentiate their cards
Credit Card: Corner Notch
The card is made from 100% recycled PVC.
Use
Free of charge payments within the trade network
Monitoring and managing the account via the SB e-banking service
ATMs and over-the-counter (OTC) cash withdrawals under the most favourable terms and conditions
Can be used in the country and abroad
Can be used for internet payments with the highest protection level - 3D-Secure standard for SAFE online purchasing
The maximum age for active use of the card's credit limit is 75 years
Limits
Maximum amount per transaction within the country and abroad up to 150,000 MKD
Cumulative monthly transaction amount within trade network in the country and abroad up to 300,000 MKD
Daily ATM cash withdrawal limit up to 30,000 MKD in the country and abroad
Possibility to set and manage transaction limits and block/unblock payment cards through e-banking/m-banking of Stopanska banka
Should you require limit increase please contact the Contact Centre on 3100-109.
Bank charges
Promotional 4.9% interest rate until the end of the year for all applications received by 30.09.2026
Interest rates
8.55% annual interest rate, for clients receiving salary on a SB account
9.50% annual interest rate, for clients not receiving salary on a SB account
0% interest for interest-free transactions with SB trade partners
The interest is calculated only on the amount used
Refinancing of the debt from credit cards and credit cards from other banks shall be done under the aforementioned interest rates depending on the client’s category
Membership fee
Free of charge for the first year
0 MKD membership fee
with realized transactions of 90,000 MKD within a year
SB mortgage or secured loan borrower
The card is issued on the grounds of pledged deposit
395 MKD membership fee for clients receiving pension on a SB account and have opted to receive electronic delivery of their monthly statements
595 MKD membership fee for clients receiving pension on a SB account and have opted to receive their monthly statements by post
695 MKD membership fee for clients receiving or not receiving salary on a SB account and have opted to receive electronic delivery of their monthly statements
895 MKD membership fee for clients receiving or not receiving salary on a SB account and have opted to receive their monthly statements by post
If during the last 12 months the client is more than 60 days late in paying the monthly minimum obligations, he is not entitled to the above mentioned discounts and the Bank will charge the full amount of 1500 MKD annual membership fee.
Issuance of additional card free of charge
Fees and other charges
A fee in the amount of 2.5% but not less than 250 MKD of the amount of transaction shall be charged to the denar account for SB ATMs cash withdrawal.
A fee in the amount of 2.5% but not less than 250 MKD of the amount of transaction shall be charged to the denar account for SB over-the-counter (OTC) cash withdrawal.
A fee in the amount of 2.5% min. 250 MKD of the amount withdrawn shall be charged for other banks ATMs and over-the-counter (OTC) cash withdrawals in the Republic of North Macedonia.
A fee in the amount of 200 MKD shall be charged for issuance of a new PIN
A fee in the amount of 350 MKD shall be charged for re-issuance of a new card, provided that the old card has been damaged, lost or stolen
A fee in the amount of 350 MKD shall be charged for re-issuance of a new card upon a change of the holder’s name or surname
A fee in the amount of 1,000 MKD shall be charged to the Denar account for a card retained in an ATM abroad.
Criteria and documents
Credit criteria
- Individuals who are citizens of the Republic of North Macedonia
- Age of the card holder - from 20 to 67 years old on the date of application
- Minimum salary in the amount of 12.100 MKD
Required documents
- Personally filled-in and signed application form for MasterCard credit card
- Valid ID
- For clients receiving salary/pension on a SB account
- Bank statement from the previous three months
- For clients not receiving salary/pension on a SB account
- Employment certificate with an issuance date not older than 30 days, certified and signed by a person authorized by the employer
- Other documentation may be requested in order to prove the amount of a monthly salary