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ATMs of other banks in the Republic of North Macedonia, the denar account is debited with a commission of 2% of the withdrawn amount, but not less than 70 denars. 
• A fee in the amount of 2.5% but not less than 250 denars of the amount withdrawn shall be charged to the denar account for cash withdrawal abroad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