Tariffs for Operations with Cards

12.1

International debit cards with a chip from the Maestro/MasterCard brands

Fees from clients

12.1.1

Issuance of cards (basic or additional)

no fee

а

Renewal of expired cards

no fee

b

Closing a card

300 mkd

c

Urgent issuance within up to 24 hours on the territory of Skopje or 48 hours outside Skopje (business days)

350 mkd

12.1.2

Renewal of lost, stolen or otherwise damaged cards

350 mkd

12.1.3

Urgent renewal of lost, stolen or otherwise damaged cards within up to 24 hours on the territory of Skopje or 48 hours outside Skopje (business days)

600 mkd

12.1.4

Redirecting issued cards to branch offices different than the issuing one

250 mkd

12.1.5

Transactions with Maestro/MasterCard debit cards

 

a

Withdrawal of cash at an ATM of the Bank

no fee

b

Withdrawal of cash at an ATM of another bank in the country of abroad

2 Eur + 2%

c

Payments at POS terminals in the country

no fee

d

Payments at POS terminals abroad

no fee

e

Withdrawal of cash at POS terminals at the Bank

20 mkd

f

Withdrawal of cash at POS terminals of another bank in the country or abroad

3 Eur + 3%

g

Transfer of funds by a card via terminals of other banks (offering MoneySend services)

50 mkd +0.2%

h

Receipt of funds to a card via a MoneySend service

50 mkd +0.2%

12.1.6

Other operations with Maestro/MasterCard debit cards

 

a

Urgent change of the card daily limits (4 business hours following receipt of a request for a change)

400 mkd

b

Change of the card daily limits according to the schedule (48 hours following receipt of a request for a change)

200 mkd

c

Blocking a card

no fee

d

Deblocking a card

120 mkd

e

Reissuance of a PIN code  

200 mkd

f

Urgent reissuance of a PIN code within 24 hours on the territory of Skopje or within 48 hours outside Skopje (business days)

350 mkd

g

Changing a PIN code at a UNIBanka ATM

100 mkd

h  

Changing a PIN code at an ATM of another bank

200 mkd

i

Servicing cards withheld by a UNIBanka ATM – in accordance with the schedule

150 mkd

j

Servicing cards withheld by a UNIBanka ATM – urgently, within up to 24 hours

240 mkd

k

Returning cards withheld by ATMs abroad

1,500 mkd

l

Statement of card transactions issued at the Bank upon customers’ request

no fee

m

Ungrounded claims (for transactions at a terminal or ATM of the Bank)

1 Eur

n

Dealing with complaints (for transactions at a terminal or ATM of another bank)

no fee + disputed transactions costs

o

Refunding funds not withdrawn from an ATM of the Bank

300 mkd

p

A transaction slip copy

200 mkd

q

Copies of other Bank documents

50 mkd/page

r

Card ownership confirmation

300 mkd

s  

Change of a client identification password

20 mkd

t

Changing and updating personal data (address, name)

no fee

u

Debit card amounts refund

up to 10 mkd - no commission
11 – 100 mkd - 10 mkd
101 – 10,000 mkd - 50 mkd
10,001 – 30,000 mkd - 0.8%
30,001 – 120,000 mkd - 1%
120,001 – 300,000 mkd – 1.2%
more than 300,001 mkd – 1.4%

v

Debit card agreement termination

150 mkd

w

Checking an account balance at a UNIBanka ATM

no fee for up to 2 transactions in a month, 5 mkd per transaction afterwards

x  

Checking an account balance at ATMs of other banks

30 mkd

y

Checking an account balance via Internet ( www.срау.com.mk)

no fee

 

12.2

International debit cards with a chip of the Visa/Visa Electron brand

Fees from clients

12.2.1

Issuance of cards (basic or additional)

no fee

а

Renewal of expired cards

no fee

b

Closing a card

300 mkd

c

Urgent issuance of cards within 24 hours on the territory of Skopje, within 48 hours outside Skopje (business days)

350 mkd

12.2.2

Renewal of lost, stolen or otherwise damaged cards

350 mkd

12.2.3

Urgent renewal of lost, stolen or otherwise damaged cards within up to 24 hours on the territory of Skopje or 48 hours outside Skopje (business days)

600 mkd

12.2.4

Redirecting issued cards to branch offices different than the issuing one

250 mkd

12.2.5

Transactions with Visa/Visa Electron debit cards

 

а

Withdrawal of cash at an ATM Of the Bank

no fee

b

Withdrawal of cash at an ATM of another bank in the country

2 Eur + 1.5%

c

Withdrawal of cash at an ATM abroad

2 Eur + 2%

d

Payment at POS terminals in the country

no fee

e

Payment at POS terminals abroad

no fee

f

Withdrawal of cash at POS terminals at the Bank

20 mkd

g

Withdrawal of cash at POS terminals of another bank in the country or abroad

3 Eur + 3%

h

Transfer of funds by a card via terminals of other banks (offering Money Transfer services)

50 mkd +0.2%

I

Receipt of funds to a card via a Money Transfer service

50 mkd +0.2%

12.2.6

Other operations with Visa/Visa Electron debit cards

 

a

Urgent change of the card daily limits (4 business hours following receipt of a request for a change)

400 mkd

b

Change of the card daily limits according to the schedule (48 hours following receipt of a request for a change)

200 mkd

c

Blocking a card

no fee

d

Deblocking a card

120 mkd

e

Reissuance of a PIN code  

200 mkd

f

Urgent reissuance of a PIN code within 24 hours on the territory of Skopje or within 48 hours outside Skopje (business days)

350 mkd

g

Changing a PIN code at a UNIBanka ATM

100 mkd

h

Changing a PIN code at an ATM of another bank

200 mkd

Servicing cards withheld by a UNIBanka ATM – in accordance with the schedule

150 mkd

j

Servicing cards withheld by a UNIBanka ATM – urgently, within up to 24 hours

240 mkd

k

Returning cards withheld by ATMs abroad

1,000 mkd

l

Statement of card transactions issued at the Bank upon customers’ request

no fee

m

Ungrounded claims (for transactions at a terminal or ATM of the Bank)

1 Eur

n

Dealing with complaints (for transactions at a terminal or ATM of another bank)

no fee + disputed transactions costs

o

Refunding funds not withdrawn from an ATM of the Bank

300 mkd

p

A transaction slip copy

200 mkd

q

Copies of other Bank documents

50 mkd/page

r

Card ownership confirmation

300 mkd

s

Change of a client identification password

20 mkd

t

Changing and updating personal data (address, name)

no fee

u

Debit card amounts refund

up to 10 mkd - no commission
11 – 100 mkd - 10 mkd
101 – 10,000 mkd - 50 mkd
10,001 – 30,000 mkd - 0.8%
30,001 – 120,000 mkd - 1%
120,001 – 300,000 mkd – 1.2%
more than 300,001 mkd – 1.4%

v

Debit card agreement termination

150 mkd

w

Checking an account balance at a UNIBanka ATM

no fee for up to 2 transactions in a month, 5 mkd per transaction afterwards

x

Checking an account balance at ATMs of other banks

30 mkd

y

Checking an account balance via Internet ( www.срау.com.mk)

no fee

 

12.3

Debit cards (Maestro/MasterCard /Visa/Visa Electron) for clients receiving their pensions at UNIBanka

12.3.1

Other operations

 

a)

Reissuance of a PIN

0.25 EUR

b)

Deblocking a card for clients receiving their pension at UNIBanka

no fee

12.3.2

For all other transaction, fees and commissions are paid as per items 12.1 and 12.2

 

13.1

International credit cards with a chip of the MasterCard (MC) brand

Fees from clients

13.1.1

Issuance of cards (basic or additional)

no fee

13.1.2

Urgent issuance within up to 24 hours on the territory of Skopje and within 48 hours outside Skopje (business days)

 

a

MasterCard Standard chip cards

10 Eur

b

MasterCard Gold chip cards

15 Eur

13.1.3

Renewal of lost, stolen or otherwise damaged cards

 

a

MasterCard Standard chip cards

10 Eur

B

MasterCard Gold chip cards

15 Eur

13.1.4

Urgent renewal of lost, stolen or otherwise damaged cards within up to 24 hours on the territory of Skopje or 48 hours outside Skopje (business days)

 

a

MasterCard Standard chip cards

20 Eur

b

MasterCard Gold chip cards

25 Eur

13.1.5

Closing a card

 

a

MasterCard Standard chip cards

3 Eur

b

MasterCard Gold chip cards

4 Eur

13.1.6

Redirecting issued cards to branch offices different than the issuing one

250 mkd

13.1.7

Changing parameters (limits) for all types of cards

 

a

Urgent change of the card daily limits (4 business hours following receipt of a request for a change)

15 Eur

b

Change of the card daily limits according to the schedule (48 hours following receipt of a request for a change)

10 Eur

13.1.8

Annual membership fee for basic and/or additional MS card

 

a

MasterCard Standard chip cards

30 Eur

b

MasterCard Gold chip cards

40 Eur

13.1.9

Transactions with MasterCard credit cards

 

a

Withdrawal of cash at an ATM of the Bank

3 Eur + 3%

b

Withdrawal of cash at an ATM of another bank in the country of abroad

4 Eur + 3%

c

Payments at POS terminals in the country

no fee

d

Payments at POS terminals abroad

no fee

e

Withdrawal of cash at POS terminals at the Bank

3.5 Eur +3%

f

Withdrawal of cash at POS terminals of another bank in the country or abroad

4 Eur + 3%

g

Transfer of funds by a card via terminals of other banks (offering MoneySend services)

50 mkd +0.2%

h

Receipt of funds to a card via a MoneySend service

50 mkd +0.2%

13.1.10

Other operations with MasterCard credit cards

 

a

Blocking a card

no fee

b

Deblocking a card

5 Eur

c

Urgent deblocking, outside the schedule

10 Eur

d

Reissuance of a PIN code

200 mkd

e

Urgent reissuance of a PIN code within 24 hours on the territory of Skopje or within 48 hours outside Skopje (business days)

350 mkd

f

Changing a PIN code at a UNIBanka ATM

100 mkd

g

Changing a PIN code at an ATM of another bank

200 mkd

h

Servicing cards withheld by a UNIBanka ATM – in accordance with the schedule

150  mkd

Servicing cards withheld by a UNIBanka ATM – urgently, within up to 24 hours

240 mkd

j

Returning cards withheld by ATMs abroad

1,500  mkd

k

Inclusion into an ‘electronic stop list’

20 Eur

l

Ungrounded claims (for transactions at a terminal or ATM of the Bank)

1 Eur

m

Dealing with complaints (for transactions at a terminal or ATM of another bank)

no fee + disputed transactions costs

n

Refunding funds not withdrawn from an ATM of the Bank

300  mkd

o

A transaction slip copy

200 mkd

p

Copies of other Bank documents

50  mkd/page

q

Limit overdraft

10 Eur

r

Card ownership confirmation

300 mkd

s

Change of a client identification password

25 mkd

t

Changing and updating personal data (address, name)

no fee

u

Debit card amounts refund

up to 10 mkd - no commission
11 – 100 mkd - 10 mkd
101 – 10,000 mkd - 50 mkd
10,001 – 30,000 mkd - 0.8%
30,001 – 120,000 mkd - 1%
120,001 – 300,000 mkd – 1.2%
more than 300,001 mkd – 1.4%

v

Issuance of a confirmation for settlement of debts on credit cards for the BORROWER (additionally, upon customers’ request)

300 mkd

w  

Checking an account balance at a UNIBanka ATM

20 mkd

x

Checking an account balance at ATMs of other banks

40 mkd

y

Checking an account balance via Internet ( www.срау.com.mk)

no fee

 

13.2

International credit cards with a chip of the Visa brand

Fees from clients

13.2.1

Issuance of cards (basic or additional)

no fee

13.2.2

Urgent issuance of cards within 24 hours on the territory of Skopje, within 48 hours outside Skopje (business days)

 

a

Visa Classic chip cards

10 Eur

b

Visa Gold chip cards

50 Eur

13.2.3

Renewal of lost, stolen or otherwise damaged cards

 

а

Visa Classic chip cards

10 Eur

b

Visa Gold chip cards

15 Eur

13.2.4

Urgent renewal of lost, stolen or otherwise damaged cards within up to 24 hours on the territory of Skopje or 48 hours outside Skopje (business days)

 

a

Visa Classic chip cards

20 Eur

b

Visa Gold chip cards

25 Eur

13.2.5

Closing a card

 

a

Visa Classic chip cards

3 Eur

b

Visa Gold chip cards

4 Eur

13.2.6

Redirecting issued cards to branch offices different than the issuing one

250 mkd

13.2.7

Changing parameters (limits) for all types of cards

10 Eur

а

Urgent change of the card daily limits (4 business hours following receipt of a request for a change)

15 Eur

b

Change of the card daily limits according to the schedule (48 hours following receipt of a request for a change)

10 Eur

13.2.8

Annual membership fee for a basic and/or additional MC card

 

а

Visa Classic chip cards

30 Eur

b

Visa Gold chip cards

60 Eur

13.2.9

Transactions with Visa credit cards

 

a

Withdrawal of cash at an ATM of the Bank

3 Eur + 3%

b

Withdrawal of cash at an ATM of another bank in the country of abroad

4 Eur + 3%

c

Payments at POS terminals in the country

no fee

d

Payments at POS terminals abroad

no fee

e

Withdrawal of cash at POS terminals at the Bank

3.5 Eur +3%

f

Withdrawal of cash at POS terminals of another bank in the country or abroad

4 Eur + 3%

g

Transfer of funds by a card via terminals of other banks (offering Money Transfer services)

50 mkd +0.2%

h

Receipt of funds to a card via a Money Transfer service

50 mkd +0.2%

13.2.10

Other operations with Visa credit cards

 

a

Blocking a card

no fee

b

Deblocking a card

5 Eur

c

Urgent deblocking, outside the schedule

10 Eur

d

Reissuance of a PIN code

200 mkd

e

Urgent reissuance of a PIN code within 24 hours on the territory of Skopje or within 48 hours outside Skopje (business days)

350 mkd

f

Changing a PIN code at a UNIBanka ATM

100 mkd

g

Changing a PIN code at an ATM of another bank

200 mkd

h

Servicing cards withheld by a UNIBanka ATM – in accordance with the schedule

150  mkd

Servicing cards withheld by a UNIBanka ATM – urgently, within up to 24 hours

240 mkd

j

Returning cards withheld by ATMs abroad

1,500  mkd

k

Inclusion into an ‘electronic stop list’

20 Eur

l

Ungrounded claims (for transactions at a terminal or ATM of the Bank)

1 Eur

m

Dealing with complaints (for transactions at a terminal or ATM of another bank)

no fee + disputed transactions costs

n

Refunding funds not withdrawn from an ATM of the Bank

300  mkd

o

A transaction slip copy

200 mkd

p

Copies of other Bank documents

50 mkd/page

q

Limit overdraft

10 Eur

r

Card ownership confirmation

300 mkd

s

Change of a client identification password

25 mkd

t

Changing and updating personal data (address, name)

no fee

Debit card amounts refund

up to 10 mkd - no commission
11 – 100 mkd - 10 mkd
101 – 10,000 mkd - 50 mkd
10,001 – 30,000 mkd - 0.8%
30,001 – 120,000 mkd - 1%
120,001 – 300,000 mkd – 1.2%
more than 300,001 mkd – 1.4%.

v

Issuance of a confirmation for settlement of debts on credit cards for the BORROWER (additionally, upon customers’ request)

300 mkd

w

Checking an account balance at a UNIBanka ATM

20 mkd

x

Checking an account balance at ATMs of other banks

40 mkd

y

Checking an account balance via Internet ( www.срау.com.mk)

no fee

 

13.3

International business credit cards with a chip from the MasterCard brand

Fees from clients

13.3.1

Annual membership fee

40 EUR

13.3.2

For all other transaction, fees and commissions are paid in accordance with item 13.1 (golden card items)

 

 

13.4

International business debit cards with a chip from the MasterCard brand

Fees from clients

13.4.1

Annual membership fee

600 MKD

13.4.2

Card issuance fee

No fee

13.4.3

Transactions with debit business cards

 

a)

Withdrawal of cash from the Bank’s ATMs

0.35% or a min. of 50 MKD

b)

Withdrawal of cash from ATMs in the country or abroad (another bank)

2 EUR + 2%

c)

Payments at POS terminals in the country

5 MKD

d)

Payments at POS terminals abroad

5 MKD

e)

Withdrawal of cash from ATMs in the Bank

0,35% or a min. of 50 MKD

f)

Withdrawal of cash from ATMs in another bank in the country or abroad

3 EUR + 3%

13.4.4

For all other transaction, fees and commissions are paid in accordance with item 12.1 (items for debit cards from the (MasterCard) brand

 

 

13.5

Fees for use of services of informing clients about transactions with payment cards

Fees from clients

13.5.1

Monthly fee for using the service “Information about authorizations with banking cards via SMS notifications”

60,00 MKD

13.5.2

Monthly fee for using the service “E-mail notifications of recorded transactions with payment cards”

no fee

13.5.3

Monthly fee for statements sent by e-mail about transactions carried out with payment cards

no fee

13.5.4

Monthly fee for statements about transactions carried out with payment cards, picked up from the Bank

no fee

 

13.6

Package or additional cards

Fees from clients

13.6.1

Annual anniversary

 

a)

Package entitled MasterCard Standard/Visa basic cards

40 EUR

b)

MasterCard Gold/Visa basic cards

50 EUR

c)

Additional MasterCard Gold

20 EUR

d)

Additional MasterCard Standard

15 EUR

e)

Additional Visa Gold

35 EUR

f)

Additional cards in a Visa/MC Gold package

25  EUR

g)

Additional cards in a MC Standard/Visa package

20 EUR

13.6.2

For all other transaction, fees and commission are charged in lice with items 13.1, 13.2, 13.5 and 13.9

 

13.7

Fees from retail traders

Fees from retail traders

13.7.1

Fees per transaction for accepting payment cards for which the Bank has been licensed on ATMs

 

a)

ATMs for physical persons

Percentage by agreement, minimum 5 mkd

b)

For virtual ATMs

By agreement, minimum 5 mkd

13.7.2

Other commissions, costs and fees

 

13.7.2.1

Use of ATMs

no fee

13.7.2.2

Fee for damaged/lost ATM

Book value

13.7.2.3

Fee for damaged/lost adapter for an ATM

30 EUR

13.7.2.4

Installation of a POS terminal

no fee

a)

Urgent installations

no fee

b)

Installation of an Internet terminal (e-commerce)

As agreed

c)

Installation of a POS terminal with another communication link (other than dial-up)

200 MKD for a POS Terminal

13.7.3

Statement of transactions (different from a statement on an account, at which transactions are recorded)

 

a)

Up to 100 transactions per sale point / monthly

50 MKD

b)

More than 100 transactions per sale point / monthly

10 MKD

c)

Additional, upon request by retail trader/sale point

100 MKD

13.7.4

Changing parameters at a POS terminal

50 MKD

13.7.5

Changes in registration

15 EUR

13.7.6.1

Blocking ATMs

6 EUR

13.7.6.2

Deblocking ATMs

6 EUR

13.7.7

Closing down a POS terminal

1.000 MKD

13.7.8

Complaints

 

13.7.8.1

Resolving a questioned payment

up to 1.000 MKD: 6 EUR,
from 1.001 -2.000 MKD: 10 EUR
2.001 MKD: 15 EUR

13.7.8.2

Generating a  VOUCHER - complaint for initial indebting

 

Apartments adr horse.
1,2 EUR

 

13.8

Fees on ATMs and terminals at tellers of UNIBanka regarding cards issued by other banks

Fees from clients

13.8.1

Cards issued by other banks (MasterCard and Visa) at a POS at a teller of UNIBanka

3%

 

13.9

Fees for servicing placements in the form of credist cards for physical entities

Fee from clients

13.9.1.

Fee for delivery of a first warning about matured but unsettled liabilities

120 MKD

13.9.2.

Fee for delivery of a second warning about matured but unsettled liabilities

300 MKD

13.9.3.

Fee for delivery of a warning before initiating a lawsuit for matured, but unsettled liabilities

600 MKD

13.9.4

Fee for activation of a security due to delayed payments

300 MKD

13.9.5

Promissory note activation fee

1,500 MKD

13.9.6

Revolving loan agreement termination

300 MKD

13.9.7

Delayed payments administrative fee

60 MKD

 

NOTE:
1.

 Fees expressed in EUR are calculated in a denar counter value by applying the indicative Euro/Denar exchange rate of the National Bank of the Republic of Macedonia as on calculation date.

2.

Annual membership is charged on a monthly basis.

3.

No membership fee for people with regular monthly income at an account with UNIBanka.

4.

No membership fee in the first year for clients who have had their card issued as part of promotional packages or campaigns of the Bank during which no fee is charged.

5.

No monthly fee for annual membership if the turnover on the card is at least 1,000 MKD / 20,000 MKD (for Visa Gold cards) as ATM transaction in the retail trade during the current month. This does not apply to MasterCard Business cards, as item 13.3.1 applies to these.

6.

Annual membership fees mature completely in case the client requests termination of the agreement and use of the card 45 days after the agreement extension date, regardless of whether the card has been renewed or not (renewal of cards due to expired period of validity is subject to another item under the Tariff)

7.

In case of a change in the conditions for employment for employees in a bank, the conditions in the Tariff applicable to employees in the bank cease to be valid.

8.

Items 12.1.1 b; 12.1.6 v; 12.2.1 b; 12.2.6 v; 13.1.5 а, b; 13.2.5 а, b; 13.9.6 are not charged in case of Agreements entered into upon an initiative of the Bank.

9.

Costs for cancellation of credit cards are not charged if the client is paying membership.