Stopanska Banka AD Skopje review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Stopanska Banka AD Skopje offers a Mastercard debit card for students with multi-currency and virtual card features, and a monthly fee of MKD 0. It suits people in Macedonia who want a simple everyday student card, and leaves crypto spending to specialist providers.
Key facts
- Best for
- A Mastercard debit card for students who want a free monthly charge and more than one currency.
- Monthly fee
- MKD 0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- Stopanska Banka AD↗
- Headquarters
- North Macedonia↗
- Founded
- 1944↗
- Features
- Multi-currency, Virtual card
- Audience
- Students
- Official website
- stb.com.mk
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly fee of MKD 0 on the student card
- Multi-currency support and a virtual card option on the same card (multi currency and virtual card)
- Runs on the mastercard network, so it is accepted widely
- Issued by a bank founded in 1944
Cons
- The card is aimed at a student audience (student), which narrows who can open it
- The features listed are multi-currency and a virtual card (multi currency and virtual card) and the card type is debit, so the offer is close to basics
- A MKD 0 monthly fee is not a differentiator, since Monzo Flex lists £0 and Bitpanda lists €0
Who it suits
- Students in Macedonia who want a Mastercard debit card at no monthly cost
- People who hold more than one currency and want one card to handle it
- Anyone who wants a virtual card for online spending from the same account as the physical one
Who should look elsewhere
- Bitpanda, if your money sits in crypto and you want a card backed by an exchange
- Wise, if you move money between currencies regularly and want conversion rates to lead the choice
- Monzo Flex, if you would rather have app budgeting and notifications than a student debit card
Who runs it
Stopanska Banka AD is the legal entity that issues the card, and it is based in North Macedonia. Founded in 1944, the bank is a long-established institution rather than a new financial brand. The student card sits within its individual cards range, which means the account and its support stay with the bank rather than a fintech platform.
How Stopanska Banka AD Skopje compares
Worth a look if you spend from crypto holdings, with a monthly fee of €0.
Where Stopanska Banka AD Skopje is available
- Available
- North Macedonia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the card cost each month?+
The card carries a monthly fee of MKD 0, which is the only recurring cost listed for it. The features bundled with it are multi-currency and a virtual card, and the card type is debit, so spending draws on the balance held in the bank account.
Which network does the card run on?+
The card runs on mastercard, so it is accepted wherever that network is taken, at home and abroad. Its card type is debit, which means purchases are paid straight from the account balance rather than from a revolving credit line.
Who is the card designed for?+
The card is built for students, and its audience is listed as student. That narrows who it is aimed at, so anyone looking for a general everyday card should weigh the other options on this page before applying for this one.
What extra features come with the card?+
The features listed for the card are multi-currency and a virtual card (multi currency and virtual card). The virtual card gives an online-only version for shopping and subscriptions, while multi-currency suits anyone who holds funds in more than one currency and pays in another.
Who runs the bank behind the card?+
The card is issued by Stopanska Banka AD, a bank founded in 1944 and based in North Macedonia. It is a conventional bank rather than a fintech platform, so the account, its servicing and the card relationship all sit with the bank.
How does the cost compare with other cards here?+
Price is not the deciding factor, since Monzo Flex lists a monthly fee of £0, Wise lists £0 and Bitpanda lists €0. The differences to weigh are the student audience (student) and the multi-currency and virtual card features.
What kind of account is the card tied to?+
It is a debit card, so it works with a balance held in a bank account in North Macedonia rather than with crypto holdings. The issuer is Stopanska Banka AD, founded in 1944, and the card is listed for a student audience (student).
Sources
- en.wikipedia.org/wiki/Stopanska_Banka checked September 26, 2026
Backs: Founded, Headquarters
“established by the Resolution of the Second Plenary Session of ASNOM on 29.12.1944”
- stb.com.mk checked September 26, 2026
Backs: Legal entity
“Stopanska Banka AD Skopje”
- stb.com.mk/en/individuals/cards/debit-cards/mastercard-topsi checked September 26, 2026
Backs: Audience, Card type, Features, Monthly fee, Card network
“free debit card intended for young clients up to 28 years of age”
Compiled from 3 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
A Mastercard debit card for students who want a free monthly charge and more than one currency.