m-banking by Stopanska banka - Mobile banking services

The mobile banking service provided by Stopanska Bank is part of the i-bank platform, which offers a range of self-service banking solutions.

If you are not yet an i-bank user with Stopanska Bank, you can request access:

- At any branch of the bank

- Independently through the E-pin service (E-registration) available on the bank's website.

Upon registration, you will receive a Username, Initial password, and Activation code for the M-token.

The M-banking application from Stopanska Bank allows you to access the following services:

• Access to your accounts, balances, and available funds at any time (viewing balance, transaction history for a specific period, card transaction structure, overview of executed orders, advanced search for orders and statements, etc.)

• Creating a PIN code for easier and faster login without compromising the security of your financial information

• Utilizing ready-made templates for quick payments to personal accounts, loan repayments, credit card payments, and other transactions

• Using standard templates for fast payment of utility bills (water, electricity, heating, telecommunications, cable operators, broadcasting fees)

• Executing payment orders via standard PP30 and PP50 forms, with the option to select from your own accounts (My Accounts)

• Conducting foreign exchange orders and converting currencies between your accounts

• Access to information regarding personal banking products, credit and debit cards, loans, deposits, repayment plans, loan payment lists, and more.

• The ability to apply online for credit and debit products from the bank 24/7 (for loans and credit and debit cards)

• Calculators for computing the bank’s credit and deposit products

• A comprehensive exchange rate list, including a currency calculator, exchange selection, and trend display of various currencies for periods of 1, 3, 6, or 12 months

• Locating the bank's ATMs and branches with the option to create a route, view branch working hours, and find popular installment merchants for interest-free online sales

• Direct connection to the 24/7 Contact Center of the bank or engagement with the bank through social media platforms while also keeping up with the latest news from Stopanska Bank.

• A notification inbox for receiving helpful push and web notifications

• A dedicated section for kids featuring access to coloring activities and the educational game “Bee.”

Frequently asked questions

How can I file a complaint?

File a complaint via e-mail - you need to send the completed form available on our website to kontaktcentar@stb.com.mk

How can I submit a written complaint to the Bank?

A written complaint can be submitted in any branch of the Bank by filling in the complaint form or by mail to the following address:

Stopanska Banka AD Skopje

(Customer Care Service)

Ul. "11 Oktomvri" No. 7

1000 Skopje

What should I do when submitting my complaint?

To enable us to respond to you promptly and more effectively, when submitting your complaint please make sure you:

provide your personal data (name and surname and contact data);

specify how you would like to receive our response;

describe your problem in full.

This will help us to make a proper analysis.

What happens after I file a complaint?

After we receive your complaint, we send you an acknowledgment of receipt of the complaint.

By downloading the request for processing, each request receives a unique (reference) number (RN) and automatic registration of the date of receipt, and the sender receives an automatic message in return by e-mail notifying the reference number of the request.

In the meantime, we are conducting a full analysis of the case and if we need more information, we will contact you.

After reviewing your case, we inform you of the response (eg proposed solution, clarifications we may need, etc.).

Should a complaint be filed?

Our customers are the focus of our business activity.

In other words, our primary concern is to respect and nurture our good relationship with you, our customer, placing special emphasis on providing first-class service and meeting your needs.

Accordingly, the Bank has established a Customer Complaints Policy that applies best practices for managing customer issues.

Our goal is to find solutions in the spirit of good will, transparency and impartiality taking into account all the special characteristics of each case.

The procedures we use to deal with complaints are based on our principles.

For us, the following is most important:

all clients are treated equally and their interests are equally protected;

all complaints are handled in good faith, and in accordance with business ethics and the applicable legal regulatory framework;

each complaint is a separate matter for the customer and we treat each case accordingly with due care, sensitivity and understanding;

every complaint is investigated properly and without discrimination, by collecting and processing all relevant data and information, we make

every effort to resolve complaints quickly and thereby serve customers in the best possible way.

When can I expect a response?

After we have collected all the information regarding your case and communicated with the relevant organizational units of the Bank, the deadline for responding to customer complaints is 15 working days from the date of registration of the complaint in the central records of the SB.

In the event that, for a significant reason, a response cannot be provided within the specified time period, we will notify you of the reason for the delay.

How do I open a time deposit?

Time deposits are opened in the SB branches. Funds are deposited over a specified period of time for which interest is calculated in accordance with the Bank's stated interest rates. The application shall be filed by a legal representative or another person for the opening of a deposit of a minor (up to the age of 18).

Calculation of interest

SB calculates and pays interest on sight and time deposits of individuals applying the interest rates determined by the Decision of ALCO. Interest is calculated from the date of making the deposit to the date of withdrawal. Interest is calculated and paid on a monthly basis except for deposits for which interest is paid after the expiry of the deposit term, if decursive interest calculation is agreed (Eurobonus, Premium), or in advance, if an anticipatory calculation and payment of interest are agreed (Eurobonus).