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Stopanska Banka AD Skopje review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Stopanska Banka AD Skopje suits residents who bank in person and want everyday spending on a card with a monthly fee of MKD 0, plus an on-demand savings account and consumer credit from the same bank. The trade-off: a hard credit check on borrowing and support limited to phone and email.

Key facts

Best for
Everyday spending on a debit card with a monthly fee of MKD 0, and cash savings handled at a branch.
Monthly fee
MKD 0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Stopanska Banka AD↗
Headquarters
North Macedonia↗
Founded
1944↗
Support channels
Phone, Email↗
Features
Multi-currency, Virtual card
Audience
Students
Official website
stb.com.mk

Loans

APR
5.3% to 9.5%↗
Loan amount
MKD 15,000 to MKD 1,500,000↗
Term
6 to 120 months↗
Arrangement fee
600 MKD application fee plus 2,000 MKD processing fee one-off on disbursement; notary soleminisation cost for loans over 920,000 MKD↗
Credit check
Hard↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Natural persons, residents; age from 20 at application to 67 at loan maturity (up to 70 at maturity for other co-borrowers when all participants are pensioners)↗
Loan types
Personal, Secured, Car, Credit-line↗
Credit needed
Good↗

Savings

Access terms
Savings account on demand (Shtedni smetki); cash deposits and cash payouts at any branch teller; salary and account transfers in and out; interest calculated monthly from the day of deposit to the day of payout↗
Account kind
Easy access↗

Mortgages

Initial rate
3.2%↗
Fixed period
5 years↗
Maximum loan to value
90%↗
Product fee
MKD 4,000↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInTrustpilotyoutube.comfacebook.cominstagram.com

Pros and cons

Pros

  • The card costs MKD 0 a month to run and pays on mastercard, with multi-currency use and a virtual version among its listed features.
  • Savings sit in an easy access account: cash deposits and payouts at any branch teller, salary transfers in and out, and interest worked out every month.
  • Consumer credit is priced at an APR of 5.3% to 9.5% on sums of MKD 15,000 to MKD 1,500,000, repayable over 6 to 120.
  • The bank lends direct and covers personal, secured and car lending, with home loans at 3.2% for 5 and a maximum loan to value of 90%.

Cons

  • The consumer loan runs a hard credit check and targets good credit, so a thinner credit file is unlikely to qualify.
  • Help runs on phone and email only, with phone and email the channels listed.
  • Borrowing adds an application fee and a one-off processing fee when the money is paid out, plus a notary cost at the top of the MKD 15,000 to MKD 1,500,000 range.
Stopanska Banka AD Skopje

Ready to try Stopanska Banka AD Skopje?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • Residents of MK who want a Mastercard card with no standing monthly charge
  • Students opening a first account, since the card is aimed at student users
  • Borrowers with a solid credit history after personal, car or secured finance direct from the lender

Who should look elsewhere

  • Anyone who banks only on a phone: Wise handles everyday and multi-currency spending online for £0 a month.
  • Shoppers set on a secured card rather than branch banking should weigh the Varo Believe Secured Credit Card, which charges $0 a month.
  • People after a fee benchmark from an app-led rival: bunq also runs at €0 a month, so the fee is not what separates the two.

How Stopanska Banka AD Skopje compares

Where Stopanska Banka AD Skopje is available

Available
North Macedonia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the card cost each month?+

The Mastercard debit card carries a monthly fee of MKD 0, so there is no standing charge for keeping it. The card runs on mastercard and is a debit card, so spending draws on the money in your account rather than a credit line.

What can the card do beyond paying for things?+

Alongside everyday Mastercard spending, the card lists multi-currency use and a virtual version among its features (multi currency and virtual card), and it is aimed at student users. That suits a younger account holder who wants something for a phone wallet as well as for trips abroad.

How do I put money into the savings account and take it out?+

The savings account is easy access. Cash deposits and cash payouts can be made at any branch teller, and salary payments and account transfers can move money in and out. Interest is worked out every month for the period the money stays in the account.

Is the savings rate fixed or can it move?+

The rate on the savings account is variable, so what you earn can change as conditions move. Because the account is easy access, there is no fixed term to run out and nothing to renew at the end of it.

How much can I borrow on the consumer loan and what does it cost?+

The consumer loan covers MKD 15,000 to MKD 1,500,000 at an APR of 5.3% to 9.5%, repaid over 6 to 120. The bank is a direct lender, so the borrowing is arranged with Stopanska Banka AD Skopje rather than through a broker, and the spread of amounts suits both a small repair and a larger purchase.

What credit do I need to be accepted?+

Applications run a hard credit check and the product is aimed at people with good credit. Applicants must be residents, and the lender sets an age band running from adulthood to retirement, with a later limit only for co-borrowers who are all pensioners.

What fees come with the consumer loan?+

There is an application fee when you apply and a processing fee charged once, taken when the loan is paid out. Loans at the top of the MKD 15,000 to MKD 1,500,000 range also carry a notary cost for the contract. The 5.3% to 9.5% sets the borrowing rate and these charges sit alongside it.

What are the terms on the home loan?+

Home loans start at 3.2% and hold that rate for 5, with a maximum loan to value of 90%. The product covers buying a home and remortgaging, and a product fee of MKD 4,000 applies alongside the interest rate.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Stopanska Banka AD Skopje

Stopanska Banka AD Skopje

Everyday spending on a debit card with a monthly fee of MKD 0, and cash savings handled at a branch.

9.4/10See alternatives