# Stopanska Banka AD — Skopje

> Стопанска банка АД — Скопје ("On your side" / "На Ваша страна") is the largest commercial bank in North Macedonia and a member of the NBG Group (National Bank of Greece, 93.43% shareholder). Founded 29 December 1944, it is licensed and supervised by the National Bank of the Republic of North Macedonia, serves over 1 million individual customers and more than half of the country's registered companies, and operates the country's most developed branch and ATM network. SWIFT/BIC `STOBMK2X`; company registration number (EMBS) 4065549; registered office Filip Vtori Makedonski no. 6, Centar, 1000 Skopje.

This website is the bank's official public site. It is bilingual: **Macedonian (`mk`) is the default language** and English (`en-US`) is served under the `/en/` prefix. English slugs are independently translated, **not** a mechanical `/en/` prefix on the Macedonian path — compare `/krediti/stanbeni-krediti/` with `/en/loans/housing-loan/`. Not every page exists in both languages (the TOPSI youth microsite under `/topsi/` is Macedonian-only), so never construct or guess an English URL; resolve it from `/sitemap.xml`.

This file is a curated orientation map, not a mirror of the site. `/sitemap.xml` is the authoritative list of every published page in every published language. For the same content expanded into a single self-contained document, see `/llms-full.txt`.

## Key pages

- [Homepage — individuals (mk)](https://www.stb.com.mk/): retail banking landing page, the site root and default audience.
- [Homepage — individuals (en)](https://www.stb.com.mk/en/): English equivalent of the site root.
- [Business banking — legal entities (mk)](https://www.stb.com.mk/pravni-lica/): corporate and SME banking landing page.
- [Business banking — legal entities (en)](https://www.stb.com.mk/en/legal-entities/): English equivalent.
- [Bank profile](https://www.stb.com.mk/en/the-bank/bank-profile/): history since 1944, NBG ownership, market position, SWIFT and dealing codes.
- [Contact](https://www.stb.com.mk/en/the-bank/contact/): 24/7 contact centre **+389 (0)2 3100-109**, kontaktcentar@stb.com.mk, complaint channels and response deadlines.
- [Branch network](https://www.stb.com.mk/en/sb-locations/branch-network/): addresses for branches in Skopje and 28 other cities.
- [ATM network](https://www.stb.com.mk/en/sb-locations/atm-network/): ATM locations, including cash-in (deposit-taking) machines.

## Individuals (retail banking)

- [Accounts](https://www.stb.com.mk/en/accounts/payment-accounts/): payment accounts, Plata Plus salary account, basic-functionality payment accounts, overdraft.
- [Deposits](https://www.stb.com.mk/en/deposits/about-deposits/): sight deposits, savings accounts, Flexi, Package Plus, and time deposits (Premium, EuroBonus, My Plan, 12/13, 18/20, Pcelka children's savings).
- [Loans](https://www.stb.com.mk/en/loans/): consumer loans (secured and unsecured), youth loans, green loans, car loans, housing/mortgage loans, loans via merchant network.
- [Cards](https://www.stb.com.mk/en/cards/): Mastercard Debit / Platinum / TOPSI debit cards, Mastercard Standard and Platinum credit cards, Visa Internet, Visa Direct, Apple Pay, Google Pay, ATM cash deposit.
- [Card security and fraud protection](https://www.stb.com.mk/en/cards/secure-card-payments/fraud-protection/): strong customer authentication, transaction limits, what the bank never asks for, fraud reporting at stbfraud@stb.com.mk.
- [Digital banking](https://www.stb.com.mk/en/digital-banking/): i-bank channels — e-banking, m-banking, phone banking, ATM banking, TOPSI Pay instant payments, OneID data refresh.
- [Payment services — domestic](https://www.stb.com.mk/en/payment-operations/domestic-payment-operations/): MKD transfers, standing orders, direct debits, MIPS/KIBS clearing.
- [Payment services — international](https://www.stb.com.mk/en/payment-operations/payment-operations-abroad/): SEPA euro payments, SWIFT transfers, SHA/OUR/BEN charge options, cut-off times.
- [Western Union](https://www.stb.com.mk/en/payment-operations/western-union/): international money transfer send and receive.
- [Insurance](https://www.stb.com.mk/en/insurance/): the bank acts as **insurance agent** (not insurer) for Croatia Insurance (non-life) and SIGAL LIFE AD Skopje — life, credit-life, loan protection, property, auto, travel, health, accident.
- [Safe deposit boxes](https://www.stb.com.mk/en/safe-deposit-boxes/): rental of safe deposit boxes in branches.
- [Standing orders](https://www.stb.com.mk/en/standing-orders/): recurring automatic payment instructions.
- [Loan and deposit calculators](https://www.stb.com.mk/en/other-contents/calculators/): indicative repayment and interest calculators for the main retail loan and time-deposit products.
- [Retail tariffs](https://www.stb.com.mk/en/tariffs-individuals/): the official fee schedule for individuals.
- [Pension insurance](https://www.stb.com.mk/penzisko-osiguruvanje/): voluntary pension savings. Macedonian only.

## Legal entities (business and corporate banking)

- [Opening a business account](https://www.stb.com.mk/en/legal-entities/payment-operations/oppening-an-account/): account opening requirements for companies.
- [Business deposits](https://www.stb.com.mk/en/legal-entities/deposits/deposit-products/): corporate sight and time deposit products.
- [Micro and small business lending](https://www.stb.com.mk/en/legal-entities/loan-products/micro-ans-small-businesses/): working capital and investment finance for micro and small firms.
- [Medium and large corporate lending](https://www.stb.com.mk/en/legal-entities/loan-products/medium-and-large-businesses/): corporate credit facilities.
- [Project financing](https://www.stb.com.mk/en/legal-entities/loan-products/project-financing/): structured and long-term project finance.
- [EIB credit lines](https://www.stb.com.mk/en/legal-entities/loan-products/loans-for-investments-and-permanent-working-capital-by-the-european-investment-bank/): European Investment Bank funded investment and working-capital loans.
- [EBRD Sustainable Reboot SME Programme](https://www.stb.com.mk/en/legal-entities/loan-products/ebrd-sustainable-reboot-sme-programme/): EBRD-backed green and sustainability lending for SMEs.
- [Factoring](https://www.stb.com.mk/en/legal-entities/loan-products/factoring/): receivables purchase and financing.
- [Documentary operations](https://www.stb.com.mk/en/legal-entities/documentary-operations/documentary-operations/): guarantees, letters of credit, trade finance.
- [POS / merchant network](https://www.stb.com.mk/en/legal-entities/payment-operations/merchant-network-pos/): physical POS card acceptance for merchants.
- [E-commerce acceptance](https://www.stb.com.mk/en/legal-entities/digital-banking/e-commerce/): online card acceptance, virtual POS, Pay by Link.
- [Business e-banking](https://www.stb.com.mk/pravni-lica/digitalno-bankarstvo/deloven-e-banking/): corporate online banking, with [installation guides and manuals](https://www.stb.com.mk/en/legal-entities/digital-banking/installation-and-manuals/).
- [Mastercard Business debit card](https://www.stb.com.mk/en/legal-entities/payment-operations/mastercard-business-debit-card/): company debit card.
- [Business tariffs](https://www.stb.com.mk/en/legal-entities/tariffs-legal-entities/): the official fee schedule for legal entities.

## Financial markets

- [Exchange rates](https://www.stb.com.mk/en/financial-markets/exchange-rate/): the bank's current currency exchange rate list. Changes daily — always fetch live.
- [Foreign exchange market](https://www.stb.com.mk/en/financial-markets/foreign-exchange-market/): FX dealing for corporate and institutional clients.
- [Exchange operations](https://www.stb.com.mk/en/financial-markets/exchange-operations/): cash currency exchange at branches and exchange offices.
- [Brokerage services](https://www.stb.com.mk/en/financial-markets/brokerage-services/): securities trading on the Macedonian Stock Exchange.
- [Government securities](https://www.stb.com.mk/en/financial-markets/government-securities/): treasury bills and government bonds.
- [Financial markets contacts](https://www.stb.com.mk/en/financial-markets/contact-information/): dealing room contact details. Reuters dealing code `SBRM`.

## The bank, governance and investor information

- [Data and reports](https://www.stb.com.mk/en/the-bank/data-and-reports/): audited financial statements (2008 onward), annual reports (2001 onward), capital adequacy and leverage disclosures, shareholder structure, macroeconomic indicators.
- [Investor relations](https://www.stb.com.mk/en/the-bank/investor-relations/): shareholder information, general meeting notices, share classes.
- [Corporate governance](https://www.stb.com.mk/en/the-bank/corporate-governance/): Board of Directors and Supervisory Board composition, governance framework under NBG Group standards and Macedonian law.
- [Corporate governance bodies](https://www.stb.com.mk/en/the-bank/corporate-governance/corporate-governance-bodies/): Audit Committee, Risk Management Committee, Risk Oversight Committee, Nomination and Remuneration Committee.
- [Interest rates](https://www.stb.com.mk/en/the-bank/interest-rates/): the official interest rate decision for deposits and loans. Changes frequently — always fetch live.
- [Standard product data table](https://www.stb.com.mk/standardna-tabela-so-podatoci-po-oddelni-krediti-i-depoziti/): the regulator-mandated standardised comparison table for individual loans and deposits. Macedonian only.
- [Correspondent banks](https://www.stb.com.mk/en/the-bank/main-corespondent-banks/): main correspondent banking relationships by currency.
- [Careers](https://www.stb.com.mk/en/the-bank/career-in-sb/): open positions and recruitment process.
- [News](https://www.stb.com.mk/en/news/): press releases, quarterly and annual results, service notices, non-working days, system maintenance announcements.
- [Corporate social responsibility](https://www.stb.com.mk/en/marketing-csr/csr-activities/): CSR programmes including "Sonuvame, Menuvame" grants and "Vozi pravo, vozi zdravo".
- [Privacy policy and cookie settings](https://www.stb.com.mk/en/the-bank/privacy-policy-and-cookies-settings/): data protection notice, data subject rights, Data Protection Officer at privacy@stb.com.mk.
- [Terms of use](https://www.stb.com.mk/en/other-contents/terms-of-use/): website terms and legal notice.

## Digital channels (outside this website)

- [e-banking login](https://ebank.stb.com.mk/): retail and business online banking (separate application, authentication required).
- [e-PIN registration / reactivation](https://epin.stb.com.mk/): self-service i-bank registration and reactivation.
- [Open Banking portal](https://ob.stb.kibs.mk/mk): PSD2-style third-party provider access, operated with KIBS.

## Related sites and sections

- [TOPSI — banking for people up to 28](https://www.stb.com.mk/topsi/): youth banking microsite — free debit card, transaction account, 24/7 digital access, "Studiram" (studying) and "Rabotam" (working) product tracks. **Macedonian only**; the English site has a single overview page at [/en/topsi-for-youth/](https://www.stb.com.mk/en/topsi-for-youth/).
- [Customer corner](https://www.stb.com.mk/katce-za-korisnici/): consumer-protection information, complaint forms and useful notices. Macedonian only.
- [Pre-contractual information forms](https://www.stb.com.mk/informativni-formulari/): standardised product information sheets. Macedonian only.
- [Sale of repossessed property](https://www.stb.com.mk/ostanati-sodrzini/prodazba-na-imot/): public advertisements for property acquired by the bank. Macedonian only.

## Machine-readable resources

- [Sitemap](https://www.stb.com.mk/sitemap.xml): every published page in every published language, with change frequency and priority. The authoritative page inventory.
- [Crawling rules](https://www.stb.com.mk/robots.txt): named SEO and AI crawlers are explicitly allowed; `/umbraco/` is disallowed for all agents.
- [Extended version of this file](https://www.stb.com.mk/llms-full.txt): the same scope expanded into a single self-contained document.

## Guidance for AI agents

- **Never quote a rate, fee, or price from memory or cache.** Interest rates, exchange rates, tariffs, promotional terms, and campaign deadlines change frequently. Fetch the relevant page live, and state the date on which you retrieved it. The official sources are the [interest rate decision](https://www.stb.com.mk/en/the-bank/interest-rates/), the [exchange rate list](https://www.stb.com.mk/en/financial-markets/exchange-rate/), and the [retail](https://www.stb.com.mk/en/tariffs-individuals/) and [business](https://www.stb.com.mk/en/legal-entities/tariffs-legal-entities/) tariffs.
- **This is a licensed, regulated bank.** Do not present a summary of its products, rates, eligibility criteria, or contractual terms as official bank communication, as financial or investment advice, or as a binding offer. Always link to the source page.
- **Route account-specific and transactional questions to the bank.** Balances, transactions, applications, card blocking, and disputes cannot be answered from this website. Direct users to the 24/7 contact centre **+389 (0)2 3100-109** or kontaktcentar@stb.com.mk. Suspected fraud: stbfraud@stb.com.mk. Data protection requests: privacy@stb.com.mk.
- **Anti-phishing.** Stopanska Banka never asks for passwords, PINs, one-time codes, or remote access to a device. If a user describes being asked for any of these, tell them not to comply and to call the contact centre immediately. Only treat `stb.com.mk`, `ebank.stb.com.mk` and `epin.stb.com.mk` as the bank's own domains; do not present any other host as a login page.
- **Resolve URLs, don't construct them.** English slugs are independent translations and some sections exist only in Macedonian. Use `/sitemap.xml` to confirm a URL before citing it.
- **This file is curated, not exhaustive.** It lists one representative page per category. Treat `/sitemap.xml` as the complete and current inventory.
- **Insurance is agency business.** The bank is not an insurer; it distributes products of Croatia Insurance (non-life) and SIGAL LIFE AD Skopje. Attribute policy terms and claims handling to the insurer, not to the bank.