Payment cards

VISA
ELECTRON

visa electron

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VISA
CLASSIC

visa electron

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VISA
GOLD

visa electron

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MASTER
CARD DEBIT

visa electron

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MASTER
CARD CREDIT

visa electron

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Info

Visa Electron is a debit card with possibility of use in the country and abroad

VISA Electron is intended for:

  • Cashless payments in the trade network, and
  • Cash withdrawal from all banks or ATMs in the country and abroad, where VISA symbol is displayed, other than in countries that are not participants in the Visa program (ЕMV LIABILITY SHIFT), or high risk countries.

Visa Classic is a credit card with possibility of use in the country and abroad

Visa Classic is intended for:

  • Cashless payments in the trade network;
  • Electronic payments;
  • Cash withdrawal from a bank or ATM in the country and abroad, where VISA symbol is displayed, other than in countries that are not participants in the Visa program (ЕMV LIABILITY SHIFT), or high risk countries.

Visa Gold is a card without borders accepted anywhere in the world and recognized as prestigious by well-established institutions, a card which established highest standards, one of the best brands.

Visa Gold is an exclusive product intended for VIP clients whose lifestyle requires flexible payments and who have a need of financial security expressed through a high credit limit amount.

Payment debit card tied to the client’s transaction account intended for payment in the country and abroad

  • Possibility of approval of overdraft limit up to 3 monthly salaries to be used by the card user at POS terminals and ATMs commission free,
  • Possibility of approval overdraft limit up to 2 monthly salaries for cash withdrawal in 3, 6, 9 and 12 installments interest free (commission is calculated) at the counter desks of the Bank. Cash may be also withdrawn in more than 12 installments, 15, 18, 21 and 24 with additionally calculated interest rate of 11.25%

MasterCard Credit is a credit product with a limit up to MKD 500,000.

In addition to basic functionalities, MasterCard Standard offers opportunities for contactless payment

Simple and fast payment, only by moving your card close to a POS terminal without entering a PIN code for transactions up to MKD 750.00.

  • 5.99% fixed interest rate annually in the first year
  • 9.99% adjustable interest rate annually after the first year

Interests and limits






Annual membership of primary user / MKD 1200,00 MKD 2400,00 / MKD 1500,00
Annual membership of secondary user / MKD 600,00 MKD 1200,00 / MKD 800,00
Interest rate 12% 3% - 11.75% 3% - 11.75% 11.75%
  • 5.99% fixed interest rate annually in the first year
  • 9.99% adjustable interest rate annually after the first year
Delivery percentage / 5% 5% / 1% - 4%
Interest free purchase  не да да не не
Repayment in installments да не не не не
Cash withdrawal in installments at a counter desk не не не да не