Debit Cards
Mastercard Debit
Card info
Card description
International contactless debit card linked to a denar account
No payment commission in the trading network
3D-Secure standard for SAFE shopping online
No fee for cash withdrawals from ATMs in the Stopanska Banka network
Quick and simple application procedure at SB branches, by phone 15-110 or at the link alokredit.mk
Possibility to add the card to Google Wallet and Apple Wallet
The card is a specially designed payment card with tactile notches to help users identify and differentiate their cards
Debit card: Rounded notch
The card is made from 100% recycled PVC.
Use
Payment in the retail network and cash withdrawal from ATMs and counters
Monitoring and managing your account through SB's electronic banking service
Enabled to use in the country and abroad
Enabled for online payment with the highest level of protection
Persons of legal age, citizens of the Republic of North Macedonia
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 limit for cash withdrawals from ATMs in the amount of 60,000 denars 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
To increase the limits above the recommended ones, you should contact the contact center at 02/3100-109
Membership fees and charges
- Annual membership fee in the amount of 300 denars
- Free for customers up to 28 years old
- For clients over 28 – free of charge for the first year, later there is a possibility to be exempted from paying the fee provided that the realized transactions within a year exceed 100,000 denars
- 0 denars membership fee (without membership) for an additional card.
- One-time cost of 300 denars for making an additional card.
- The cost of 100 denars when renewing the card (the cost is charged once every 5 years, when making a new card)
Other charges
- NO COMMISSION for withdrawing cash from SB ATMs
- For cash withdrawals from ATMs of other banks in the Republic of North Macedonia, the denar account is debited with a commission of 2% of the withdrawn amount, but not less than 70 denars.
- For cash withdrawals abroad, the denar account is debited with a commission of 2.5%, but not less than 250 denars of the withdrawn amount.
- Issuance of a new PIN is 200 denars
- The cost of reissuing a card due to theft, loss, damage or change of personal information is 350 denars.
Security in contactless payments
According to the regulation on strengthened customer authentication when performing contactless card-based payment transactions, PIN code authentication is mandatory in the following cases:
If the card has made 5 consecutive contactless transactions at a POS terminal without a PIN (since the last transaction authenticated with a PIN), the next contactless transaction must be authenticated with a PIN by the client. Otherwise, it will be rejected.
If the total accumulated amount of all contactless transactions at the POS exceeds 9,000 denars (since the last transaction authenticated with a PIN), the next contactless transaction must be authenticated with a PIN, regardless of the transaction amount. Otherwise, it will be rejected.
If the individual amount of a contactless payment transaction at a POS terminal exceeds 3,000 denars, it must be authenticated with a PIN. Otherwise, it will be rejected,
When paying with Google Pay, it is not necessary to enter a PIN code at a POS terminal, but it is mandatory for the mobile device to be unlocked in order to make the payment, regardless of the transaction amount.
When paying with Apple Pay, it is not necessary to enter a PIN code at a POS terminal, but authentication with Face ID, Touch ID, or your device's password is mandatory, regardless of the transaction amount.
Documents
Documents
- A personally completed and signed MasterCard GO application
- A valid ID card or passport