Stopanska Banka AD Skopje review

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

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Our verdict

Stopanska Banka AD Skopje is a long-established lender in North Macedonia that suits residents with a good credit record who want borrowing costs under the site median. Consumer loans run at an APR of 5.3% to 9.5% on amounts of MKD 15,000 to MKD 1,500,000, and the rate is variable.

Key facts

Best for
Residents with a good credit record who want low variable-rate consumer or home lending from a bank that lends directly.
APR
5.3% to 9.5% (Source, checked September 26, 2026)
Loan amount
MKD 15,000 to MKD 1,500,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
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) (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Stopanska Banka AD - Skopje (Source, checked September 26, 2026)
Headquarters
North Macedonia (Source, checked September 26, 2026)
Founded
1944 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Credit line
Official website
stb.com.mk

Mortgages

Initial rate
3.2% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
MKD 4,000 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Stopanska Banka AD - Skopje (Source, checked September 26, 2026)
Headquarters
North Macedonia (Source, checked September 26, 2026)
Founded
1944 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedIninstagram.comyoutube.com

Pros and cons

Pros

  • An APR of 5.3% to 9.5% sits well below the site median of 12%.
  • It lends direct lender and has traded since 1944.
  • Terms of 6 to 120 and amounts of MKD 15,000 to MKD 1,500,000 cover both small and large plans.
  • Home loans hold their rate for 5 at an initial rate of 3.2%.

Cons

  • The rate type is variable, so repayments can rise when market rates climb.
  • Consumer loans add an application fee plus a processing fee on disbursement, with a notary cost on the largest sums.
  • Support runs on phone and email only.
Stopanska Banka AD Skopje

Ready to try Stopanska Banka AD Skopje?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Residents with a good credit record, since good is what the bank asks for.
  • Homebuyers and movers, with cover for purchase and remortgage at up to 90% loan to value.
  • Borrowers who want a single institution for consumer and home money, direct lender.

Who should look elsewhere

  • Anyone after interest-free borrowing: Cashspace ES shows an APR of 0%.
  • Readers weighing a different rate band: Monzo Flex lists 10% to 23%, a higher range than 5.3% to 9.5%.
  • Applicants past the maximum age the bank allows when a loan matures, which its eligibility rules set out.

How Stopanska Banka AD Skopje compares

Where Stopanska Banka AD Skopje is available

Available
North Macedonia
Licence in North Macedonia
National Bank of the Republic of North Macedonia (NBRM) (02-14/65-2004), checked September 26, 2026

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

Frequently asked questions

What does a consumer loan cost?+

Consumer loans run at a variable rate, variable, with an APR of 5.3% to 9.5% on borrowing of MKD 15,000 to MKD 1,500,000. Because the rate is not locked in, the figure can move with market conditions, which makes a solid credit record worth having. The level the bank looks for is good.

What fees do I pay on a loan?+

Consumer loans carry an application fee, a processing fee taken once when the money is disbursed, and a notary cost on the largest sums. Home loans come with a fee of MKD 4,000. The notary line applies only above a threshold, so smaller consumer loans avoid that extra cost.

How long can I borrow for?+

Repayment terms run 6 to 120, so the schedule can be short or long depending on the amount and your income. A longer term spreads the payments out but leaves the balance outstanding for longer, and with a variable rate the total repaid can still change over the life of the loan.

What credit check do I need to pass?+

The bank runs a hard credit check, hard, and expects a good credit record, good. Hard checks are the norm in this market, covering 72.7% of lenders listed, so expect a full file review rather than a quick soft scan before any decision.

Is the bank properly regulated?+

Stopanska Banka AD Skopje trades as Stopanska Banka AD - Skopje and is supervised by the National Bank of the Republic of North Macedonia, the banking regulator here. The bank has operated since 1944 and is headquartered in North Macedonia.

Can I get a credit line as well as a loan?+

Alongside fixed-sum loans, the range in personal, secured and car includes a revolving product, and credit line is offered as a separate option. A credit line lets you draw money when you need it rather than fixing the whole sum up front, which suits irregular month to month spending.

What are the home loan terms?+

Home loans start at an initial rate of 3.2%, hold it for 5, and go up to 90% loan to value. The stated purposes, purchase and remortgage, cover buying a home and switching an existing mortgage, so both can be arranged with the same bank.

Who can apply?+

Loans go to natural persons resident in the country, with a minimum age when you apply and a maximum age when the loan matures. The bank expects a good credit record, good, and lends in its own right as direct lender.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Stopanska Banka AD Skopje

Stopanska Banka AD Skopje

Residents with a good credit record who want low variable-rate consumer or home lending from a bank that lends directly.

9.3/10See alternatives

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