Skip to main content

Frequently Asked Questions

In order to obtain information about blocking an account (a solvency certificate) you need to go to any of the ProCredit Bank branches with a valid identification document.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

ProCredit Bank approves loans only to creditworthy individuals who are employed in companies registered in the territory of the Republic of Macedonia and to pensioners who receive their pension on a transaction account in the Bank.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • Propay remittances registered in a branch until 14:30 are working as T + 0
  • Other remittances registered in a branch until 15:00 are working as T + 0
  • Propay remittances registered in a branch after 14:30 are working as T + 1
  • Other remittances registered in a branch after 15:00 are working as T + 1
  • E-bank Propay remittances registered by 15:00 are working as T + 0
  • Other E-Bank remittances registered by 14:00 are working as T + 0

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • Regular Payments, Way 2 (KIBS) until 14:00
  • Emergency payments, way 1 (MIPS) by 16:00
  • Internal payments can be realized all day long

If you have not found the appropriate answer to your question, send us an email and expect our reply.

For a denar payment from a resident to a non-resident, a debit reference is required to enter a 1450 / payment code from the international payment operations / registration number of the orderer. For payment you also need to provide a document for the basis for which you pay.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

To get an inflow from abroad you need to have a foreign currency account. The information you need to give to the orderer is your name and surname, your address, SWIFT of the bank (for ProCredit Bank is PRBUMK22XXX) and IBAN. Your IBAN is actually the number of your foreign currency account with the prefix MK07 (MK07xxxxxxxxxxxxxxx), where x represents the numbers from your foreign exchange account. If you are using e-banking, you can see your account through the bank account or through the Open Account Agreement delivered to you on the opening day of the account, you will need to go to the nearest branch office of ProCredit Bank with a valid identification document.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Log in to Contact Center 24/7 at 02/2446 000. The card will be immediately blocked. If you find the card you need to go to any of our affiliates to unblock it or if you want a new card you can apply in a branch or on-line through our website www.pcb.com.mk.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

The most common reason for rejecting online transactions is when you do not enter a CVV # code, or in case you enter CVV # code but the page you pay does not process the transactions with the authorization of the code. Due to the protection against abuse, the Bank does not approve transactions that are not authorized. These processes are automatic and can not be affected by either the merchant or the Bank. Other reason for refusing an online transaction is incorrectly entered data or insufficient funds in the account for the realization of the transaction.

For a detailed check of transactions you can contact the Context Center on 02/2446 000.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

If you use a regular card (you have at least 5 transactions within 2 years), it will be automatically updated and submitted to a branch office in which the card was previously taken. When a new card is delivered to a branch, you will receive SMS notification of the mobile number left as your contact with ProCredit Bank. If you have not used the regular card and want a new one, you need to apply for it yourself. You can apply for a new card at any of our affiliates or through our website www.pcb.com.mk.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

The created card should be raised by the person on whose behalf the card or other person is informed with a power of attorney to be notarized.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

- Visa and Master Cards are internationals and can be used to raise cash from ATMs as well as payments to POS terminals at retail outlets and the Internet.

- ProCard debit card is used for cash withdrawal from ProCredit Bank ATMs.

Debit cards can also be used to deposit cash at the ATMs of ProCredit Bank Macedonia that offer such a service.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

If you have forgotten the PIN on Visa Electron, Maestro or VisaBusiness Electron cards, you need to contact any of the Bank's nearest bank branch offices to cancel the card and apply for a new card.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

ProCredit Bank offers debit cards Visa Electron, Maestro and ProCard for individuals. Debit cards allow you to use the funds from transaction accounts to the amount of the available balance. Visa Electron and Maestro debit cards are internationals and can be used to raise cash from ATMs as well as payments to POS terminals at retail outlets and the Internet. ProCard debit card serves to raise cash from ProCredit Bank ATMs.

ProCredit Bank offers you a secure and card for your payments online. The Visa Internet Card is linked to a special dedicated account where you yourself control the limit via e-banking. The card is intended for international use and for payments in places where the card code is manually entered, such as Hotels, Aircraft companies, Rental companies of vehicles. The card can not be used to withdraw funds from ATMs or pay POS terminals where a physical magnetic pullback or chip application is required.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

The account gets a status inactive if it did not have any activity - a financial transaction initiated by you, over a period of 6 months. This means that you may receive inflows to your account, but you can not make an extra transfer until the account is activated. If you have a card associated with the transaction account, you can use it to raise cash from the ATM and pay POS terminals regardless of the status inactive.

If you want to activate your account, you need to contact the nearest branch office of ProCredit Bank with a valid identification document, fill out a Request to activate an account, and make at least one outstanding transfer by the end of the day.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

A savings account for a minor can be opened by the parent / guardian of the child with a valid identity document and a birth certificate for the child.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

In order to open a giro account in ProCredit Bank, it is necessary for the company manager to go to any of our branches with his personal identification document (identity card or passport), Solution / Current status not older than 6 months, ZP Form (Certified signatures of notary) and a stamp from the firm.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • A resident natural person can open a transaction account in Procredit Bank's branches with a valid identification document (identity card or passport).
  • A non-resident natural person can open a transaction account in the Prokredit Bank's branch offices with a valid identity document (passport). For opening an account of a non-resident natural person, an acceptable document is a valid identity card if the person comes from a member state of the European Union or from a country with which the Republic of Macedonia has concluded a bilateral agreement for cross-border travel of citizens of both countries.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Automatic deposit renewal means that after the maturity of the time deposit the funds will be pledged again for the same period with the interest rate that is valid at the time of retirement.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

- The Saving Account serves as an instrument for long-term accumulation of financial reserves, or more regular and irregular payments and payments. There is a minimum balance for the opening of a savings account according to ProCredit Bank's official pricelist. The savings account calculates interest on sight on a daily basis according to the valid interest rates for sight savings deposits. The calculated interest shall be paid on the savings account at the end of the calendar year or at the moment of closing the account.

- Term deposits are money that is accepted for a fixed period that is determined at the moment of concluding the contract. The time deposit can be opened in the following currencies: MKD and EUR. The interest rate can be fixed or adjustable depending on the client's decision and according to the Bank's Official Tariff Schedule, and it can be paid on a monthly basis or at maturity of the deposit. If you wish to withdraw the funds before the expiration of the period, the Bank pays interest for early disposing of the deposit in accordance with the Bank's schedule on the day of disposing.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

In ProCredit Bank you can open a sight savings account in MKD, EUR or USD currency or have a time deposit in MKD or EUR currency.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

In ProCredit Bank you can open an account in the following currencies: MKD, EUR, CHF, USD and GBP.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • Account information: select the account from which you make the payment
  • Company: choose a company that you pay from listed on the list
  • Click Next
  • Invoice number: enter the invoice number in the same format as your account name
  • Amount: enter the amount you pay
  • Click Next
  • Check the entered data and if everything is OK Sign the digital certificate order

If you have not found the appropriate answer to your question, send us an email and expect our reply.

For payments on a larger number of orders without entering each of them individually you can use the Batch option. To create an order file, contact the Kontact Center on 02/2446 000.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • Account information: select the account from which you make the payment
  • Receiver data: Save the data: to save the recipient's data for the future, but not to enter them, but merely selecting through the Mute recipient option
  • Account of the recipient: enter the account / IBAN of the company / person to whom you are paying (redeem numbers and letters all together and coupled without space or characters)
  • Recipient name: Enter the name of the company to which you are paying. If there is a special character, do not enter it (eg instead & write AND)
  • Address of recipient: field must be filled in. If you do not know the address you only need to check the city
  • SWIFT: click on the link and browse the swift. If you give more options to you, select the one that has XXX at the end. To select the desired swift, click on USE
  • Bank Code and Intermediary Bank: always leave blank
  • Click Next
  • Amount: Refund the amount you pay. If there are decimals, enter them in the special smaller box
  • Remittance target: write a payment note (eg PROFORMMA INVOICE NO.1)
  • Payment Schroff: choose from the offerings according to

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • Account Information: Select the account from which you make the payment
  • Recipient details:
    Save the data: to preserve the recipient's data for the future not to enter them, but only select the option Select recipient
    Account Recipient: Enter the account and click on the green bar to the field. If you pay a legal entity after clicking, the name of the firm is generated by itself. If you pay to a natural person, you should enter your first and last name in the recipient's name field
    Recipient Address: The field must be filled in. If you do not know the address, just enter the city
  • Click further
  • Amount: enter the amount you pay
  • Calling a number: fields must be filled in, if you do not have something specifically to specify, place a sign or number (eg, or 1)
  • Remittance purpose: Write a comment on payment (eg payment per invoice)
  • Payment Schroff: choose from the offerings according to payment (do not select the code to which the comment is NOT USED)
  • Click Next
  • Check the entered data and, if everything is OK, sign the order with the digital certificate
  • If the order is successfully registered, the message appears: The order has been successfully registered

If you have not found the appropriate answer to your question, send us an email and expect our reply.

  • Account information: select the account from which you will sell funds
  • Receiver data: select the account to which the funds should be transferred (the currency you are purchasing)
  • Click Further
  • Amount: Enter the amount of bids you sell. If you have decimals, enter them in the smaller box. If you sell denar, the amount should be rounded (without decimals)
  • Aim of the remittance: enter a comment (eg buy-in)
  • Click Further
  • Check the entered data and, if everything is OK, sign the order

Exchange operations at e-banking can be process every working day from 08.00 - 16.00. Each transfer after 16.00 will be processed following working day.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

If you know your unblocking password, contact the Contact Center on 02/2446000. If you do not know the password, go to the nearest branch to raise a new one. For resetting the password, you need to bring a valid identity document (ID or passport) and if it is a legal entity and a seal from the firm.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

To check the validity of the token / certificate, click ALT on the keyboard; in the upper left corner of the screen, the Tools menu appears; go to Internet options> Content> Certificates, the expiration date section shows the expiration date of the certificate.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Click ALT on the keyboard; in the upper left corner of the screen, the Tools menu appears; go to Internet options> Content> Certificates; if it displays the certificate in this section, it means that the token is well installed and the computer reads the certificate.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Make a check on the expiration date of the certificate. If the certificate has validity please contact us on 02/2446 000.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

In the gray menu on the left side of e-banking, there is a section where tokens are listed. Click on the Capicom Component and from when it's downloaded, install it. If you get the option Repair, Remove or Delete, click the Repair option.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Click ALT on the keyboard, in the upper left corner of the screen, the Tools menu appears. Select the Internet options> Security option, select the green trusted sites and click on the Sites button. Check if the page ebank.pcb.com.mk has been added to the list. If it is not added (located in the first field), add it by clicking on the ADD button. Close the windows.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Click ALT on the keyboard, in the upper left corner of the screen, the Tools menu appears. Select the Compatibility view settings option and make sure the pcb.com.mk page is on the list. If it is in the first field, by clicking on the ADD button, add it to the list (Websites you've added to Compatibiy View). Close the window.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

The "Wrong attribute" error appears if you have not entered the correct payment account or if you have entered a special character in the field number of the call (/,%, & amp; etc).

If you have not found the appropriate answer to your question, send us an email and expect our reply.

To overcome this problem, please make the following checks:

1. Do you use Internet Explorer. Payments via e-banking can only be made through Internet Explorer.
2. How much bit version of Internet Explorer is using; you need to use 32-bit Internet explorer
3. Enter the pcb.com.mk page in Compatibility View settings
4. Enter the https://ebank.pcb.com.mk page in Trusted Sites
5. Make sure that the Capicom component is installed properly

If you have not found the appropriate answer to your question, send us an email and expect our reply.

Go to My Computer / This computer / This PC and in a free space with a right click a small menu will open. Log in to the Properties option. Here is the operating system you are using (eg Windows 7) and whether it is 31-bit or 64-bit. If not specified how much the operating system is, this means that it is 32 -bit.

If you have not found the appropriate answer to your question, send us an email and expect our reply.

If you can not find the answer to your question, please contact us.