VISA Gold
Card info
Card info
- International contactless debit card connected to 2 accounts - denar and euro account
- Free of charge payments within the trade network
- 3D-Secure standard for SAFE online purchasing
- The holders of VisaGold debit card are entitled to certain benefits at the counters for serving premium clients available at Aluminka, Vero, GTC, Jane Sandanski, Majka Tereza and Mladina
- No charge for SB ATMs cash withdrawals
- Fast and simple application procedure in any SB branch, on phone No. 15-110 or at the following link alokredit.mk
- Visa Gold is part of Golden Club, benefit package and discounts for Visa Gold card holders. For more information, please visit stb.com.mk/goldenclub
- Visa Gold card is also part of the premium users family for which Visa International provides special package of international discounts and benefits. For more information, please visit http://www.visapremium.com/
Use
- Free of charge payments within the trade network
- 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 - 3D-Secure standard for SAFE online purchasing
- No PIN required for contactless payments within the trade network up to 2.000 MKD
Limits
- Maximum amount per transaction within the country and abroad up to 250,000 MKD from denar account and 4,000 EUR from euro account
- Cumulative monthly transaction amount within trade network in the country and abroad up to 600,000 MKD from denar account and 9,750 EUR from euro account
- Daily ATM cash withdrawal limit up to 60,000 MKD in the country and abroad
- The maximum number of contactless transactions without entering a pin code during the day is 10 transactions. After exceeding this limit, the transaction should be performed by contact - by inserting the card into the POS terminal and entering the pin code from the card.
- Possibility to set and manage transaction limits and block/unblock payment cards through e-banking/m-banking of Stopanska banka
- Should you require limit increase please contact the Contact Centre on 3100-109.
Membership fee
- Annual membership fee in the amount of 1,500 MKD
- 0 MKD membership fee with realized transactions exceeding 200,000 MKD within a year
- 600 MKD membership fee with realized transactions exceeding 100,000 MKD within a year
- 0 membership fee for SB Exclusive clients
- 0 MKD membership fee for SB Visa Gold holders
- 0 MKD – membership fee (without a membership) for an additional card.
- Issuance of additional card free of charge
- 90 MKD 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
- A fee in the amount of 20 MKD shall be charged for SB over-the-counter (OTC) cash withdrawal
- A fee in the amount of 2% of the amount withdrawn shall be charged to the denar account for other banks ATMs and over-the-counter (OTC) cash withdrawals in the Republic of North Macedonia and abroad.
- A fee in the amount of 150 MKD shall be charged for issuance of a new PIN
- A fee in the amount of 300 MKD shall be charged for re-issuance of a new card, provided that the old card has been damaged, lost or stolen
- A fee in the amount of 150 MKD shall be charged for re-issuance of a new card upon a change of the holder’s name or surname
- A fee in the amount of 1,000 MKD shall be charged to the Denar account for a card retained in an ATM abroad.
Criteria and documents
Criteria
- Individuals, citizens of the Republic of North Macedonia
- Adults aged 18 +
- Sufficient funds on the denar account for collection of the annual membership fee
Documents
- Personally filled-in and signed application form for Visa Gold Debit card
- Valid ID