It makes the use of E-Banking attractive.

Sparkasse s-Token is a software app installed on a mobile phone and serves for identification (notification) of the user via NetBanking and authentication (signing) of the transactions in the retail e-banking system.

sToken is applied in e-banking. The advantage of this application is that it is installed on the mobile phone, making it easy, practical and available for use. On the other hand, there is no need for the client to carry additional devices such as a USB token.


Sparkasse s-Token application is used for the same purpose as the hardware token and offers equal level of security so that both the app and hardware token is protected by a PIN only known to the mobile phone owner. The app PIN can be changed at any time.

How do I become sToken user?

In order to be able to use the Sparkasse S-Token app you need to fill in E-Banking application form - IndividualNet Plus in one of the branches of Sparkasse Bank Makedonija AD Skopje. After the registration of the mobile phone number listed in the application form, you will receive a link to install the S-Token app. In addition you will receive a username (email) and initial password (SMS).

At the first log in the app, you need to enter the username (email) and the initial password (SMS) requested by the app, and then you will be offered the option to enter and confirm the PIN, which will be used for all future notifications to Sparkasse S -Token app. Internet access is required only when installing the application, activating (the first app login) and defining the PIN. Once the application is successfully downloaded and activated, no access to the Internet is required - so the S-Token single-pass application is available anywhere in the world.



MKD 300 one-off charge


MKD 0 in case of change of the phone number or device

Download the S-Token app

The app can be installed on any mobile phones using (Android, iOS and Java) operating system. The application is not compatible with the Windows Phone operating system and Blackberry phones.