Debit Cards
Mastercard TOPSI
Card info
Card info
Free debit card intended for young clients up to 28 years of age
International contactless credit card connected to the denar transaction account
Free of charge payments within the trade network
3D-Secure standard for SAFE online purchasing
No commission for withdrawing cash from ATMs in the Stopanska banka network
The holders of MasterCard TOPSI card are entitled to exclusive discounts at certain trade partners
Fast and simple application procedure in any SB branch, on phone No. 15-110 or at the following link – www.alokredit.mk
Adult citizens of the Republic of North Macedonia younger than 28
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
Payments within the trade network and ATMs and over-the-counter (OTC) cash withdrawals
Monitoring and managing the account via the SB e-banking service
Can be used in the country and abroad
Can be used for internet payments with the highest protection level
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 60,000 MKD in the country and abroad
Should you require limit increase please contact the Contact Centre on 3100-109.
Membership fee
- Annual membership fee in the amount of 300 denars
- Annual membership fee free of charge for clients under 28
- Fee 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 a membership) for an additional card.
- Issuance of additional card one time fee of 300 denars
- 100 denars charge for a renewal of a card (one-time fee charge in 5 years upon issuing a new card)
Fees and other charges
- SB ATMs cash withdrawal FREE OF CHARGE
- 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ATMs of other banks in the Republic of North Macedonia, the denar account is debited with a commission of 2% of the withdrawn amount, but not less than 70 denars.
- A fee in the amount of 2.5% but not less than 250 denars of the amount withdrawn shall be charged to the denar account for cash withdrawal abroad
- A fee in the amount of 200 denars shall be charged for issuance of a new PIN
- 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
- Personally filled-in and signed application form for MasterCard TOPSI debit card
- Valid ID