Tariffs for Operations with Cards

Fees and Charges Tariff for Individuals 
CARDS

 

 

INTERNATIONAL DEBIT CARDS 
(Visa/Mastercard)

INTERNATIONAL CREDIT CARDS 
(Visa/Mastercard)

15.1

Issuance */renewal upon expiry (main/additional)

No fee

No fee

15.2

Replacement of lost, stolen, or otherwise damaged cards*

350 MKD

10 EUR
15 EUR - Gold products

15.3

TRANSACTIONS

 

 

15.3.1

Cash withdrawal from an ATM of the Bank/another bank in the country or abroad

No fee / 2 EUR + 2%

3 EUR + 3% / 4 EUR + 3%

15.3.2

Payments atPOS terminals in the country or abroad

No fee

No fee

15.3.3

Payments at an ATM of the Bank/another bank in the country or abroad

20 MKD / 3 EUR + 3%

3.5 EUR + 3% / 4 EUR + 3%

15.3.4

Electronic transfer/receipt of funds using a card

50 MKD +0.2%

50 MKD +0.2%

15.4

OTHER OPERATIONS

 

 

15.4.1.

Changing the card’s daily limit according to the time schedule(48 working hours from receipt of the request for change) *

200 MKD

10 EUR

15.4.2.

Card blocking

No fee

No fee

15.4.3.

Card unblocking *

150 MKD
No fee  -  for a recipient of pension in UNIBank

5 EUR

15.4.4.

PIN reissue *

200 MKD
0.25 EUR–for a recipient of pension in UNIBank

200 MKD

15.4.5.

Changing the PIN of an ATM of the Bank/another bank

100 MKD / 200 MKD

100 MKD / 200 MKD

15.4.6.

Redirecting an issued card to a Bank’s branch other than the issuing branch

250 MKD

250 MKD

15.4.7.

Servicing a card retained at an UNIBank ATM –within the time schedule *

150 MKD

150 MKD

15.4.8.

Complaint settlement

No fees + transaction dispute costs

No fees + transaction dispute costs

15.4.9.

Refunding funds not withdrawn from an ATM of the Bank

300 MKD

300 MKD

 

Debit card amount refund 

Up to 10 MKD - No fee

Up to10 MKD - No fee

15.4.10.

11 – 100MKD - 10 MKDfixed fee

11 – 100MKD - 10 MKDfixed fee

101 – 10,000MKD - 50 MKDfixed fee

101 – 10,000MKD - 50 MKDfixed fee

over 10,000 MKD– 1.2%

over10,000 MKD– 1.2%

15.4.11.

Termination of agreement (without 30 days prior notice)

150 MKD

300 MKD

15.4.12.

Closing a card (only applies to no-fee credit cards)

300 MKD

3 EUR 
4 EUR - Gold products

15.4.13.

Checking an account balance at a UNIBank ATM

No fee for one check, 5 MKDper each subsequent check in the month

20 MKD

15.4.14.

Checking an account balance at ATMs of other banks

30 MKD

40 MKD

15.4.15.

Exceeding the limit

/

10 EUR

15.4.16.

UNISMS monthly fee–SMS alerts for card authorizations
*charged per customer per account with issued cards

30 MKD

30 MKD

15.4.16.

Urgent procedures marked with *

300 MKD

650 MKD

15.5.

ANNUAL FEE (charged monthly for customers who do not receive regular monthly income at UNIBank)

 

 

15.5.1.

Main card

/

30 EUR
60 EUR - Visa Gold 
40 EUR - MC Gold

15.5.2.

Main cards in a package

/

40 EUR
50 EUR - MC Gold

15.5.3.

Additional card

/

15 EUR
30 EUR - Visa Gold 
20 EUR - MC Gold

15.5.4.

Additional cards in a package

/

20 EUR
25  EUR - MC Gold

 

NOTE:

1.

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

2.

No annual fee monthly charge if a card’s POS transactions total at least 1,000 MKD/20,000 MKD (for a Visa Gold card) in the current month.

3.

Annual fee shall become fully due and payable in case the customer requests termination of the agreement and cancellation of the card 45 days after the agreement extension date regardless of whether the card has been replaced or not (card replacement upon expiry is subject to another item under the Tariff)

4.

The agreement termination and card closure fees shall not be charged in case the Credit Card Agreement has been entered into upon the initiative of the Bank.



Fees and Charges Tariff for Businesses

                                                  


9.

INTERNATIONAL CARDS

9.1

International MasterCard branded business credit cards

9.1.1

Annual fee

40 EUR

9.1.2

For all other transactions, fees and charges are payable as per the gold card items

 

9.2

International business debit cards

9.2.1

Annual fee

600 MKD

9.2.2

Card issuance fee

no fee

9.2.3

Business debit card transactions

 

а

- cash withdrawal from an ATM of the Bank

0.40% or min 90 MKD

b

- cash withdrawal from an ATMin the country or abroad (other bank)

2 EUR + 2%

c

-payment at POS terminals in the country

5 MKD

d

- payment at POS terminals abroad

5 MKD

e

- cash withdrawal at POS terminals in the Bank

0.40% or min 90 MKD

f

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

3 EUR + 3%

9.2.4

Urgent card issuance

 600 MKD

9.2.5

Replacement of lost, stolen, or otherwise damaged cards *

 600 MKD

 

9.2.6

Card unblocking *

200 MKD

9.2.7

Checking an account balance at a UNIBank ATM

10 MKD

9.2.8

Urgent procedures marked with  *

300 MKD

9.2.9

For all other transactions and services, fees and charges are paid as per the international debit card tariff for individuals

9.3

Payment card transaction alert fees

 

9.3.1

Monthly fee for using the service "SMS alerts for bank card authorizations"
*charged per customer per account with issued cards

30 MKD

 

 

9.3.2

Monthly fee for using the service "Email alerts for payment card transactions"

no fee

 

9.3.3

Monthly feefor payment card transaction statements sent by email

no fee

 

9.3.4

Monthly feefor payment card transaction statements issued by tellers

no fee

 

9.4

Fees from traders

9.4.1

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

 

а

-for physical POS terminals

Expressed as a percentage per agreement, min 5  MKD

b

-for virtual POS terminals

Per agreement, min5 MKD

9.5

Other charges, expenses and fees from traders

9.5.1.

Using a POS terminal

No fee

9.5.2.

Fee for damaged/lost POS terminal

Book value

9.5.3.

Fee for damaged/lost POS terminal adapter

30 EUR

9.5.4

Installation of a POS terminal

No fee

а

-Urgent installations

No fee

b

-Installation of an Internet terminal (e-commerce)

As agreed

c

-Monthly fee for using a POS terminal with GPRS communication link

200 MKDper POS terminal

9.5.5.

Monthly maintenance of a vPOS terminal that has recorded no transactions in more than 3 (three) months (except for traders who pay for monthly maintenance under the Agreement)

300 MKD per vPOS terminal

9.5.6.

Statement of Transactions (different than a statement of account giving a summary of transactions that have occurred)
-monthly and additionally per request of the trader/point of sale

150 MKD

9.5.7.

Changing a POS terminal parameter (address, account, link, etc.)

300 MKDper trader

9.5.8.

Change of registration

15 EUR

9.5.9.

Blocking POS terminals

10 EUR

9.5.10.

Unblocking POS terminals

10 EUR

9.5.11.

Closing POS terminals

1,000 MKD

9.5.12.

Complaints

 

9.5.13.

Resolution of disputed payments

Up to 1,000 MKD: 6 EUR
1,001-2,000 MKD: 10 EUR
over 2,001 MKD: 15 EUR

9.5.14.

Generating a VOUCHER –complaint for initial debit

300 MKD

9.6.

ATM and POS terminal fees charged by UNIBank for cards issued by other banks

9.6.1.

Cards issued by other banks (MasterCard and Visa) and used at UNIBank POS terminals

3%

NOTE:

1.

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

2.

The annual fee is paid monthly.