1. Legal Entities
  2. Domestic payment operations

Domestic payment operations

Opening a transaction account (documentation required)

Opening a transaction account (documentation required)


Decision or Current State obtained from the Trade Register, Register of Legal Entities, or from the register of a competent authority of the Republic of Macedonia, if registration is envisaged by law (original or notarized copy) in paper or electronic form signed with a qualified digital certificate in compliance with law, Articles of Incorporation if the entity is not registered in the register, law extract if the entity is incorporated under law. The Bank mandatory retains photocopy of the documentation presented.

  • ZP Form – verified signatures of persons authorized to represent the company, original or notarized copy.
  • Copies of the managers’ ID cards (persons authorized to represent the company) and account signatories;
  • Application for opening an account (provided by the Bank);
  • Agreement for opening and maintaining the account (concluded with the Bank);
  • Signature card (two copies signed in the Bank);
  • Application for client registration.

Electronic Forms download

Stopanska Banka carrier of payment operations

Stopanska Banka a.d Bitola carrier of payment operations

Having established the new payment operations in the country administered by the participants therein through the carriers of payment operations, the Bank became a carrier of payment operations by obtaining a license for payment operations.

A participant in payment operations is a domestic or foreign legal or natural person performing registered activity or another natural person that makes payment in MKD through the carrier of payment operations.

A participant in payment operations may have:

  • more than one accounts with one carrier of payment operations, and
  • accounts with more than one carrier of payment operations.

Stopanska banka a.d. Bitola as a carrier of payment operations in the country and a part of the payment system of Republic of Macedonia realizes MKD payment transactions of its clients through:

  • Internet payment operations – payment between the Bank clients (payment within the same bank) as the fastest way of realization of payment orders. All cash payments are made at the same time (cash payments and disbursements).
  • External payment operations – interbank payment operations, where the participants from two different banks may realize their payments  through two settlement systems:
    • MIPS – Macedonian Interbank Payment System, or NBRM settlement system. It is used for urgent and larger value payments over MKD 1,000,000.00.
    • KIBS – Clearing Interbank System, or Clearing House settlement system.
      • Settlement between banks realized at the end of the clearing day for orders up to MKD 1,000,000.00.

The accounts opened in the Bank are maintained in ERTS – Single Registry of Transaction Accounts within the Clearing House.

Benefits related to payment operations of Stopanska Banka a.d. Bitola

Benefits related to payment operations of Stopanska Banka a.d. Bitola

  • Fast and simple opening of one or more domestic payment accounts in the Bank without any fees and commissions;
  • Efficient and quality execution of payment orders;
  • Favorable tariffs;
  • Security and confidentiality of the data in your account;
  • Payment of founding capital;
  • Delivery of bank statements on changes on the account in box or electronically (by fax, e-mail, SMS);
  • Possibility of using E-banking, 24 hours seven days a week under lower tariffs;
  • Drafting any types of account certificates;
  • Execution of orders in the internal payment operations at the same time of delivery;
  • Possibility of determining order priorities;
  • Possibility of obtaining VIP client status.

Schedule for realization of orders

Schedule for realization of orders

TIME SCHEDULE

  I. 1.Stopanska banka a.d. Bitola has approved the following Time Schedule for receipt of payment instruments in paper form for execution of the domestic payment operations:

Payment in the current day

Receipt of payment instruments

Clearing Interbank System - KIBS

Every banking day from 08.00 am to 02.20 pm.

Macedonian Interbank Payment System - MIPS

Every banking day from 08.00 am to 04.15 pm.

SB internal system

 Every banking day from 08.00 am to 07.00 pm.

Cash payment

Every banking day from 08.00 am to 07.00 pm.

Cash disbursement

Every banking day from 08.00 am to 07.00 pm.

Note* Each order processed after the time defined by KIBS, MIPS or internal payment will be realized with value date: for the next banking day.

II.1.Stopanska banka a.d. Bitola has approved the following Time Schedule for receipt of payment instruments in electronic form for execution of the domestic payment operations:

Payment in the current day

Receipt of payment instruments
Clearing Interbank System - KIBS

Every banking day from 08.00 am to 02.20 pm.

Macedonian Interbank Payment System - MIPS

Every banking day from 08.00 am to 04.15 pm.

SB internal system

Every banking day from 08.00 am to 07.00 pm.

Note* Each order processed after the time defined by KIBS, MIPS or internal payment will be realized with value date: for the next banking day.

2.The Time Schedule given in point 1 is valid for each banking day other than Saturday and Sunday. Orders in the domestic payment operations processed on Saturday will be recorded on the first banking day in the bank statement.

Contact points: +389(0)47 207-536; 207-537  Fax: +389(0)47 228-909

Tariff of commissions for services performed by Stopanska Banka a.d. Bitola

Tariff Type of service Calculation base Commission amount
II DOMESTIC PAYMENT OPERATIONS
    
1.
CASH PAYMENTOPERATIONS
    
1.1. Cash payment Amount Commission free up to 12.00 noon and MKD 30.00 after 12.00 noon
1.2. Cash payments made by legal entities that do not have transaction account in the Bank Amount
 0.5%, minimum MKD 100.00
1.3. Cash payment on accounts of Stopanska banka a.d. Bitola Order Commission free
1.4. Cash payment - MKD coins in an amount of MKD 1,000.00 Amount 1%
1.5. Cash disbursement Amount 0.35%, minimum MKD 50.00
1.6. Cash disbursement from escrow accounts of authorized exchange offices Amount Commission free
2.
NON-CASH PAYMENT OPERATIONS
2.1. Non-cash payments in favor of other transaction accounts    
  in the Bank Order MKD 20.00 for orders up to MKD 10,000.00, MKD 30.00 for orders over MKD 10,000.00
  to clients that do not have transaction accounts in the Bank via KIBS Order MKD 35.00 for orders up to MKD 10,000.00, MKD 45.00 for orders over MKD 10,000.00
  to clients that do not have transaction accounts in the Bank via MIPS

Order to 12 noon

Order MKD after 12 noon

 MKD 230
MKD 250
2.2. Non cash payments in favor of other transaction accounts via E-banking service    
  in the Bank Order MKD 7.00 for orders up to MKD 10,000.00, MKD 11.00 for orders over MKD 10,000.00
  to clients that do not have transaction accounts in the Bank via KIBS Order MKD 13.00 for orders up to MKD 10,000.00, MKD 18.00 for orders over MKD 10,000.00
  to clients that do not have transaction accounts in the Bank via MIPS Order MKD 100
2.3. Processing PP53 Order for salary    
  in the Bank – via KIBS – via MIPS order order order MKD 5.00, MKD 15.00, MKD 80.00
2.4. Processing PP53 Order for salary via E-banking service    
  in the Bank – via KIBS – via MIPS order order order MKD 4.00, MKD 12.00, MKD 60.00
2.5. Maintenance of a transaction account   Commission free for escrow accounts of authorized exchange offices
  From MKD 1.00 - MKD 300,000.00 Account MKD 190.00 monthly decursive
  From MKD 300,001.00-MKD 500,000.00 Account MKD 300.00 monthly decursive
  From MKD 500,001.00-MKD 1.000.000,00 Account MKD 400.00 monthly decursive
  From MKD 1,000,001.00- MKD 3,000,000.00 Account MKD 600.00 monthly decursive
  Over MKD 3,000,000.00 Account MKD 1000.00 monthly decursive

Without any activity during the month Account MKD 25.00 monthly

Without debit turnover within a period of two years (other than based on fees and commissions) Account MKD 300.00 monthly
2.6. Maintaining a resident’s association account Account MKD 100.00 monthly decursive, for clients with more than 100 building facilities accounts other than the basic
2.7. Indirect MIPS participants   MKD 1,000.00 monthly decursive
2.8 Servicing of escrow account for inflow Agreement
 MKD 6,000.00 monthly decursive
2.8.1.

Fee for SMS notification


*Package А includes *card transaction, amount and point *card expiration and where it may be taken *due interest on deposit *due and payable
Package A MKD 50.00 monthly
2.9 Servicing safe data exchange through files with the Ministry of Labor and Social Policy File
 MKD 4,600.00 – debt will be serviced at the end of each month
3. OPENING A TRANSACTION ACCOUNT Account
3.1. Opening a transaction account Account Commission free
3.2. Urgent opening of transaction account Account MKD 160
4. CLOSING A TRANSACTION ACCOUNT Account MKD 1.000
5.
CLOSING A TRANSACTION ACCOUNT BY VIRTUE OF LAW
   Commission free
6.
OTHER ACTIVITIES IN PAYMENT OPERATIONS
6.1. Sending bank statement by fax Page MKD 100
6.2. Use of disbursements under documentary letters of credit Debit turnover 0.20%
6.3. Enforcement of court ruling, debenture and enforcement decisions Court ruling, debenture, decision or order MKD 1,200.00 + MKD 50.00 of the principal
MKD 500.00 Broadcast tax for natural persons
6.3.1. Enforcement of enforcement agent order Order MKD 1,200.00 + MKD 50.00 of the principal
6.3.2. Request submitted for enforcement of debenture   MKD 500
6.3.3. Partial decision enforcement Court ruling, debenture, decision or order MKD 50 for each partial collection
6.3.4 Issue of a copy of enforcement collection decision Decision, order, enforcement document MKD 100.00 up to 3 p. + MKD 10.00 for each other page
6.4. Enforcement of acceptance order   MKD 1000
6.5. Issue of a list of the account balance by days-card List MKD 300
6.6. Solvency certificate Certificate
 MKD 300
6.7. Bank statement print Bank statement
 MKD 10
6.8. Transcript of current year statement Bank statement MKD 20
6.9. Transcript of previous year statement after statement of accounts Bank statement MKD 150
6.10. Transcript of statement of closed account Bank statement
 MKD 500
6.11. Transcript of current year order Order MKD 150
6.12. Transcript of previous year order after balance sheet Order MKD 500
6.13. Blockade report Order MKD 250
6.14. Deblocking report Order MKD 250
6.15. Replacement of damaged banknote (paper money) Banknote value 10%, minimum MKD 10.00 by banknote
6.16. Compensation for lost box key Key MKD 200
6.17. Standing order for transfer to own account in another domestic bank Order MKD 20
6.18. Issue of account balance list by days – card of monthly, quarterly and yearly VAT taxpayer by client-MKD ad foreign currency accounts Card by client for account MKD 150.00, except for accounts with no turnovers and escrow accounts for authorized exchange offices without commissions
6.19. Bank statements requested by a client Bank statement MKD 200.00 per page
6.20. Withdrawal of order from KIBS requested by a client Order amount MKD 100
7. ELECTRONIC DIGITAL CERTIFICATES
7.1. Bank’s depositors    
  KIBS certificates:    
  Verba К2 per 2 years PKI token certificate MKD 3.190
  Verba Pro 2 per 2 years PKI token certificate MKD 3.390
  Verba К2 per 3 years PKI token certificate MKD 3.920
  Verba Pro 2 per 3 years PKI token certificate MKD 5.710
7.2. KIBS local registration offices for applicants of all other certificates
  KIBS certificates:    
  Verba К2 per 2 years PKI token certificate MKD 3.390
  Verba Pro 2 per 2 years PKI token certificate MKD 4.360
  Verba К2 per 3 years PKI token certificate MKD 3.920
  Verba Pro 2 per 3 years PKI token certificate MKD 5.710
  Renewed KIBS certificate:    
  Verba К2 per 2 years PKI token certificate
 MKD 1.850
  Verba Pro 2 per 2 years PKI token certificate
 MKD 3.120
  Verba К2 per 3 years PKI token certificate
 MKD 2.580
  Verba Pro 2 per 3 years PKI token certificate
 MKD 4.370
7.3. Daglocked certificate PKI token certificate
 MKD 300


Tariff

II

1.

1.1.

1.2.

1.3.

1.4.

1.5.

1.6.

2.

2.1.

 

 

 

2.2.

 

 

 

2.3.

 

2.4.

 

2.5.

 

 

 

 

 


2.6.

2.7.

2.8

2.8.1.

2.9

3.

3.1.

3.2.

4.

5.

6.

6.1.

6.2.

6.3.

6.3.1.

6.3.2.

6.3.3.

6.3.4

6.4.

6.5.

6.6.

6.7.

6.8.

6.9.

6.10.

6.11.

6.12.

6.13.

6.14.

6.15.

6.16.

6.17.

6.18.

6.19.

6.20.

7.

7.1.

 

 

 

 

 

7.2.

 

 

 

 

 

 

 

 

 

 

7.3.

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