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24 hours CONTACT CENTER (02) 3100 109


11 Oktomvri 7, 1000 Skopje, Republic of Macedonia

+ 389 (02) 3114 503 



ATM Banking



1. BILL PAYMENT SERVICE -  offers the possibility to pay your utility bills for the companies which have signed contracts with SB. The BILL PAYMENT service is exclusively available to credit and debit cardholders of Stopanska banka (Visa & MasterCard). The use of the BILLS PAYMENT service is without ANY FEE or COMMISSION for SB cardholders (debit and credit).


2. FUND TRANSFER service - offers the possibility to transfer funds from MKD account connected to a payment card to any of the following account categories: 

• Transactional accounts 

• Credit cards and My cash 

• Visa internet account 

• Loan account – housing/auto/consumer 

• Flexi deposit 

While performing the transaction, the client shall enter only:

• 10-digit account (without initial 200 and without the last 2 digits) and 

• The payment amount

FUNDS TRANSFER service is available for all debit cards (Visa & MasterCard) issued by Stopanska Banka.


3. MINI MONTHLY STATEMENT SERVICE – offers the possibility for overview of the most important data from the last monthly statement for credit card or My cash card. In addition, the client has an insight in the following information:

• Statement period (from – to)

• Minimum payment amount

• Total used amount from the loan limit

• Loan limit amount

•Available funds (at the end of the loan cycle)




1. АТМ payment service is available only for the cards issued by Stopanska Banka

2. АТМ payment service is intended only for individuals. VISA BUSINESS cards for legal entities are excluded from using this service.

3. Transactions made through АТМ payment service are not subject to any additional fees and commissions. 

4. The BILLS PAYMENT service is available for all (Visa & MasterCard) cards issued from Stopanska Banka with the exception of VISA BUSINESS cards of legal entities.

5. The ATM PAYMENT service is available 24 hours a day, each day of the week. 

6. Transactions completed after the business hours of SB payment operations system, shall be processed the next working day. Those are transactions performed from Monday to Friday after 18:00 and on Saturday, the transactions made after 14:00.

7. Transactions completed within the business hours of payment operations system, shall be executed the same day.

8. When using the Fund transfer ATM service, if the entered transfer amount has decimal positions – the transactions are processed according to the generally accepted criteria for rounding to MKD 0.50 or MKD 1.

9. The Mini monthly service offers basic information from the last monthly statement for credit cards or My cash. It is to be taken into consideration that for the information listed in the mini monthly statement the principle of rounding to MKD 0.50 or MKD shall not be applied.