On the 16th of July 2021 with the signing of the status change – the accession, the process of accession of Ohridska banka AD Skopje to Sparkasse Banka Makedonija AD Skopje was officially completed. Now, the integrated Sparkasse Banka Makedonija AD Skopje belongs to the group of large banks, taking the fourth position in the banking sector.

With the successful completion of the accession process, Sparkasse Banka Makedonija expanded its client base and enlarged its market share to 13,4% in the individual clients segment, and 15,1% in the corporate clients segment. The integrated Sparkasse Banka Makedonija will now service more than 120.000 clients in the country, through 35 branch offices, and a wide network of ATM’s at around 100 locations in the country.

With a total active of 1,15 billion euro, Sparkasse Banka Makedonija positioned itself in the large banks in the sector as the second largest bank in the corporate clients segment, and the third largest bank in the individual clients segment, offering attracting products and services to their clients, as well as an expertise that stems from Erste and Sparkasse Group.

Sparkasse Banka Makedonija AD Skopje as a bigger and a more dynamic bank, with greater potential and an expertise support offered by our parent bank Steiermärkische Sparkasse, will continue to offer possibilities for financing of innovative projects with tailor made solutions created by our experienced and stable team. For every institution, large company, and small business, as well as for all citizens of our country, the bank will continue to develop the best offers and solutions as a financial partner, and at the same time will contribute for intensifying the dynamics of the Macedonian economy and improving the standard of living.

Sparkasse Banka Makedonija AD Skopje remains a stable actor in the banking sector, a partner of the Macedonian economy, a supporter of businesses, a Bank dedicated to its clients and employees, and a Bank oriented towards the community.

For all the details regarding the accession of Ohridska to Sparkasse Banka, as well as for all information related to the products and services that the bank offers to its clients, you can read the following list of questions and answers that we prepared for you.

Together we can do more!

Questions and Answers


To check your new account number/IBAN in Sparkasse Banka Makedonija, please contact the nearest branch of Sparkasse Banka or contact us at

Which changes were made in Sparkasse Bank Macedonia?

With the accession of Ohridska banka AD Skopje to Sparkasse Bank Macedonia AD Skopje, Sparkasse Bank Macedonia AD Skopje grew into a bigger and a more powerful bank, with assets of about 1 billion euros, and with that it positioned itself as the fourth largest bank in the Republic of North Macedonia.

Преземете од Google Play Store
Преземете од Apple App Store

How will the new Sparkasse Bank Macedonia AD look like?

In the branch offices of the former Ohridska banka AD Skopje you will notice a change of the logo and the visual identity of the bank, according to the newest visual standards set by the Sparkasse Group.

How will this change affect me as a client?

The accession will not influence the terms of the products and the services which were previously agreed and which you are using in the moment. At the same time, as a result of the accession of Ohridska banka AD Skopje to Sparkasse Bank Macedonia AD Skopje, the quality of the products and services which we offer to all of our clients and business partners will significantly improve. Sparkasse Bank Macedonia AD Skopje as a bigger and a more powerful bank will allow you access to additional advantages with its expertise, experience, stability, and dedication of highly educated and experienced employees within the Steiermärkische Sparkasse group.

Do I need to visit my branch office?

There is no need for you to visit your branch office at this time, but you are always welcomed to visit to get any additional information that our employees can provide you with.

What will happen with my branch office and my branch officer, will they remain the same?

On the following link, you can see the locations of all branch offices of Sparkasse Bank Macedonia AD where you are welcomed for all of your questions and needs.

Will the interest rates of my bank loan change?

Your bank loan is not subject to any changes and the conditions that are determined in the bank loan contract will remain the same.

What will happen with my deposits? Will there be any changes of the interest rates?

The conditions to which you agreed upon will remain the same. Your deposits are safe with an interest rate that was determined with the agreement made with the bank.

Will my account number remain the same?

If you are already a client at Sparkasse Banka Makedonija, there will not be any changes to your account number.

If you were a client of Ohridska bank AD Skopje, your account number has been changed. You can check your new account number in Sparkasse Banka Mackedonija AD Skopje on the following link

From the day of accession of the two banks, the accounts of the clients of Ohridska banka AD Skopje will be changed and the old account numbers will be impossible to be used for payments and for recreceiving funds. There is no additional engagement required on your side, such as transferring funds from the old to the new account, etc. Your sole obligation is to notify your employer, as well as all individuals or legal entities and institutions, in a timely manner about the new account number, so that the transactions and inflows you expect to be executed smoothly. After the accession, it will be impossible to make a payment on the old account, which completely prevents incorrect payments of funds.

Will the SWIFT code change?

From the day of the accession, the SWIFT code of Ohridska banka AD Skopje will not exist, meaning that the valid SWIFT code will be the one of Sparkasse Bank Macedonia – INSBMK22

From which date the denar transaction accounts and the foreign currency transaction accounts will not be available for use?

The denar transaction accounts and the foreign currency transaction accounts of the clients of Ohridska banka AD Skopje will not be functional after the day of the accession, 19.07.2021.

What will happen if I have an account in both Ohridska banka and Sparkasse Bank Macedonia?

The accounts of Ohridska banka AD Skopje will remain in the account reviews of Sparkasse Bank Macedonia AD, together with your existing accounts. The accounts will not be merged and their balance will remain unchanged. At your request, the accounts can be closed, if you will not use them in the future.

Show More..



We strive for excellence in all of our activities and deeds. We make daily efforts to be better and to exceed the expectations; we are constantly upgrading and improving, in order to be the best choice for our customers.


We accept the daily challenges with an open mind. We act in a proactive manner and suggest solutions. Through our initiative and creativity we set new working standards.


We work with enthusiasm, dedication, and a positive approach. The passion for the work motivates us at any time to be the best version of ourselves.


We trust our bank. We trust our team. The trust that we build with our clients is the key to our success.


We built stable partnernships. We respect diversity. We trace the road to success, as partners.


Steiermärkische Sparkasse Group s the biggest provider of financial services in the southern part of Austria. The group services around 800.000 clients at 254 locations in Styria, Austria, and in Southeastern Europe.

Steiermärkische Sparkasse now has a strategic banking participation in Slovenia, Croatia, Bosnia and Herzegovina, Montenegro, North Macedonia, and in Serbia – this is one of the most encompassing banking networks in the region. The number of clients in the region has significantly increased in the past few years, and today Steiermärkische Sparkasse Group services around 2,6 million clients in Southeastern Europe. The group is also very well positioned for the support of Austrian and international clients for the implementation of their activities in the region, by building more and more “economic bridges” between Southeastern Europe and Austria/Central Europe.

In North Macedonia, Steiermärkische Sparkasse is present since 2008 with the local subsidiary Sparkasse Banka Makedonija AD Skopje. After the accession of Ohridska banka to Sparkasse Banka Macedonia, the bank today has an active of around one billion euro’s, which makes it the fourth largest bank in the Republic of North Macedonia.

With the support of the big financial group, Sparkasse Banka Makedonija represents a trustworthy partner for its clients in North Macedonia.

You can find more information about the group on the web site:

Find the nearest
branch or ATM