A private cliend can make a foreign exchange transfer to an account of a private client abroad at a maximum amount of EUR 2,500 per month.

A private cliend can make foreign exchange transfer to the account of a legal entity abroad by submitting an invoice according to which the corresponding amount of remittance would be realized.

To change the daily limit of your payment card (for non-cash payment and withdrawal of cash from the payment card) you can contact the Sparkasse Bank Contact Center on the phone number 02 3200 600 or refer to the nearest branch.

For this service, the Bank charges a commission, according to the current Decision on Tariffs.

You can change your E-Banking password online through this link on the E-Banking login page. You need to fill out certain identification data and then an email will be sent to you via which you can log in using the new e-banking password.

The age limit is 65 years, i.e., the last instalment should be due before the client turns 65 years. Exceptions are pensioners who apply for a loan for pensioners, an overdraft or a credit card and persons applying for a housing loan. Maximum age limit for these clients is 70 years.

In order to deposit funds (denars or foreign currency), it is necessary to have or to open a transaction account in Sparkasse Bank.

To open a children’s savings account the presence of the parents and the child at the Bank is necessary, because they have to sign the necessary documents as legal representatives of savings deposit.

A standing order allows you to perform automated payments of overheads, credit obligations, liabilities to external institutions, and other payments in a regular, simple, reliable and fast way. Payments are made from your denar transaction account opened at Sparkasse Bank.

As a flexible banking service, a standing order is tailored to your needs, allowing control of your payments and supporting your financial management.

You need to visit one of the branches of Sparkasse Bank Makedonija and fill out the Application Form and S-Banking Service Agreement. App activation codes will be sent immediately by email and SMS.

To use this service you need to fulfill the following features:

• for iOS operating system, minimum operating system version 7.0;
• for Android operating system, minimum operating system version 4.0.3;

Additionally, a stable Internet connection is required (through mobile data and / or WiFi network).

Sparkasse Bank does not charge a fee for standing orders with companies with which it has signed Cooperation Agreements. Currently, these are: EVN Macedonia AD Skopje, Balkan Energy DOOEL Skopje, ROBI DOOEL Shtip, Makedonski Telekom AD Skopje (fixed and mobile telephony). Sparkasse Bank also does not charge a fee for payments based on life insurance policies through a standing order to Winner Life.

For other standing orders, the commission is 0.01% of the amount, minimum 20 denars.

For customers who receive or transfer the salary / pension on their transaction account at Sparkasse Bank, the newly deposited funds are granted a stimulus of + 0.15% added to the basic interest rate of the deposit. In addition, Sparkasse Bank also grants incentives if the deposit exceeds a certain amount.

Sparkasse Bank may approve loans to natural persons who are citizens of the Republic of Macedonia, i.e., natural persons who have the status of residents and permanent residence in the territory of the Republic of Macedonia.

No. The sToken application can only be used by one smart device. If you request the Bank to provide you an additional activation code for the application, it will automatically be deactivated from the previous device where you have used it.

„Sparkasse Bank Makedonija" does not charge commission for paying at a POS terminal / online payment abroad. However, in certain rare situations, the merchant where you pay can calculate a commission that does not depend on the Bank that issued the card.

Online transactions, with payment cards issued by Sparkasse Bank Makedonija, classified as Online Gambling are not permitted.

The consumer loan security depends on the amount applied i.e.:

• For amounts up to MKD 300,000 - without guarantors;
• For amounts over MKD 300,000 up to MKD 610,000 – creditworthy guarantor loan or notarization of the Loan Agreement;
• For amounts over MKD 610,000 up to MKD 1,200,000 - creditworthy guarantor or a promissory note in a form of a notary act. Additional compulsory security for amounts over MKD 610,000 is a life insurance policy of the borrower purchased through the Bank and vinculated in favour of the Bank during the repayment period of the consumer loan.

In standard term savings, the interest is paid on the maturity date of the deposit, i.e. at the end of the maturity period. In annuity term savings, the interest is paid on a monthly basis on the day of depositing.

Yes. You can use the S-Banking application from multiple devices that use Android and iOS operating system.

Retail deposits are insured in the Deposit Insurance Fund of the Republic of Macedonia, which indemnifies the insured deposits in the amount of up to 30,000 euros in denar counter value per deposit in one bank, branch of a foreign bank or savings house.