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Frequently Asked Questions

Сметки

In order to open a giro account in ProCredit Bank, it is necessary for the company manager to visit any of our branches with the following documents:

  • personal identification document (passport) of the legal representative
  • Trade Register Excert issued by Central Registry in N.Macedonia, not older than 3 months
  • ZP Form (Certified signatures of notary)

In a case the Legal Entity is a non-resident, following documentation is required:

  • Original or copy of the registration or incorporation document of the company verified by notary, issued by a relevant authority or institution in the country of incorporation, from which the Bank can identify the legal representatives of the entity, not older than 3 monthshis
  • Power of athorney for legal representation, issued by the foreign company, translated by official court translator and certified by notary
  • Trade Register Excert issued by Central Registry in N.Macedonia, not older than 3 months
  • personal identification document (passport) of the legal representative, together with original power of athorney, translated by official court translator and certified by notary

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

The account gets a status inactive if it did not have any activity - a financial transaction initiated by you, over a period of 2 months. This means that you may receive inflows to your account, but you can not make an extra transfer until the account is activated. You can activate the account by one of the following opitions:

  • Make outgoing transfer via e-banking
  • Withdraw cash at ATM (in the country or abroad)
  • Pay via POS therminal (in the countryor abroad)

If you do to have card or e-banking, 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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

In ProCredit Bank you can open an account in the following currencies:

  • Private individuals MKD, EUR, CHF, AUD, USD and GBP.
  • Legal entities MKD, EUR, CHF, USD, AUD, GBP and Chinese Yuan

Deposits and withrawls in cash are enabled in the following currencies: MKD and EUR. The rest of the currencies are available for cashless operations and transfers in the country and abroad.

If you need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply

The request for preferential exchange rate is applying for all legal entities that are buying/selling foreign currency in amount higher than 10.000 EUR.

The request could be submitted via our web site - check here how

 

If you need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply.

Private individual can open an account with just few clicks on our online application on the following link - https://www.procreditbank-direct.com/macedonia/en/form-old

Required documentation

• For a resident of North Macedonia - valid identification document (ID card or passport)

• For non-resident RS Macedonia - a valid passport for all nationalities or a valid ID card if the person comes from a member state of the European Union or from a country with which North Macedonia has concluded a bilateral agreement on cross-border travel of citizens of both countries

If you need additional information send us an e-mail on info@procreditbank.com.mk expect our reply

In order to obtain information about blocked account (a solvency certificate) please check the Inbox of your e-banking or visit one of ProCredit Banks’ branches with a valid identification document.

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

Електронско Банкарство

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 https://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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

  • 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 need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply

Most often this restriction on your options through e-banking occurs due to the fact:

  • You haven’t updated your data in the bank (new ID card/mobile phone number/ e-mail address ect.) In order to update this information you need to visit personally on one of our branches.
  • Your account has been blocked – In order to get detail information for the purpose of the blockage and the amount blocked check your Inbox in your e-banking. For unblocking of your account you need to pay the amount upon which your account was blocked and to pay fee according the official Bank Pricelist.

If you need additional information send us an e-mail on info@procreditbank.com.mk 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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

You can use the GROUP PAYMENT ORDER option of your e-banking for payments on a large number of orders without entering each one individually.

To create an order file call the Contact Center on 02/2446 000

If you need additional information send us an e-mail on info@procreditbank.com.mk expect our reply

International payment operations includes all foreign currencies inflows and outflows abroad. Check the fees on the following link:

If you need additional information send us an e-mail on info@procreditbank.com.mk expect our reply

Please check the maturity date of the certificate. If the certificate has a valid date, please re-install Your certificate following this instructions:

If your problem is not solved after implementing this instructions please contact us at 02/ 2 446000

If you have a “smart” phone you have the possibility for usage of e-certificate directly at your phone. For usage of this certificate follow the instruction on this link.

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

  • 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 need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply.

You are trying to sign an invalid certificate or the browser is not Internet Explorer.

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.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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

For login into your e-banking you need to reset or unblock your password.

If you have forgot the password, you can reset it digitaly via “Reset password” at the following link https://ebank.pcb.com.mk/User/LogOn - Enter yout phone number, already registered in our bank in the following format: 3897******* and choose your birth date frm the calendar that pops up automaticly (do not enter birth date manually).

If you know your password, but you had enter it wrongly for more times and your e-banking user is now blocked, please send us e-mail at info@procreditbank.com.mk with information for your user name for e-banking and request for deblocking.

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

To convert your money from one to another currency on your account please follow this instructions:

  • 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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

  • 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 need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply

Плаќања

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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

For a local currency (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 need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

  • Regular Payments, way 2 (KIBS) from 08.00 until 14:00 will be processed same working day. If you register a payment via e-banking after 16.00, this payment will be processed next working day
  • Emergency payments, way 1 (MIPS) from 08.00 until 16:00 will be processed same working day. If you register a payment via e-banking after 14.00, this payment will be processed next working day
  • Internal payments can be realized 24/7

 

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

  • Propay remittances registered via e-banking until 15.00 will be processed as T+0
  • Other remittances registered via e-banking until 14:00 will be processed as T + 0
  • Propay remittances registered in a branch untill 14:30 will be processed as T + 0 and registered aftered 14:30 will be processed as T + 1
  • Other remittances registered in a branch untill 15:00 will be processed as T + 0 and registered aftered 15:00 will be processed as T + 1

 

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

Штедење

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. You can apply online via this link or visit one of ProCreditBanks’ branches.


If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

In ProCredit Bank you can open on sight deposit or term deposit in MKD or EUR.

If you need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply

  • The Savings account (FlexSave) serves as an instrument for long term accumulation of deposits and does not have regular deposit and withdrawal of monthly payments. Every client can save according to their capabilities and transfer money to a savings account via e-banking. The savings account calculates interest on a daily basis in accordance with the applicable interest rates for on sight deposits and is paid into the current account once a month.
  • Term deposits are funds placed in a bank for a fixed period which is confirmed at the moment of signing the contract. Term deposit can be opened in the following currencies: MKD and EUR. We offer fixed interest rate in accordance with the Bank's Official Pricelist paid on monthly basis. If you withdraw the deposit earlier than the maturity date you lose the right to the Official Interest Rate on the deposit and receive only interest for premature termination of the deposit in accordance with the Bank's tariff.

If you need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply

The automatic term deposit renewal means that after the maturity of the term deposit the deposit will be renewed again over the same period with the interest rate valid at the moment of the renewal.

If you need additional information send us an e-mail on info@procreditbank.com.mk expect our reply

Картички

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 are using for payment does not process the transactions with the authorization of the code. Due to security and protection, the Bank does not approve transactions that are not authorized with CVV#code. 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 processing the transaction.

You can call our Contact Center on 02/2446 000 for a detailed review of the transactions

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

  • If you have e-banking you can block your card with few steps. Check the details on the following link.
  • If you are not using e-banking, you can call the Contact center 02/2446 000 at any time of the day and declare lost/stolen card. Your card will be blocked immediately.
  • Ifyou find your card you need to visit one of our bracnhes in order to unblock it.
  • If you need a new card – apply on the following link for a new one.

If you need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply.

ProCredit Bank offers MasterCard for private individuals and MasterCard Business card for business clients.

Debit cards allow you to use the funds from transaction accounts to the amount of the available balance, as well as payments to POS terminals in the country and abroad, and to use your funds from the ProCredit Bank ATMs.

If you want to apply for debit card you need to fill one of the following application
•    for private individuals
•    for business clients

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

The PIN on your card is confidential data that should be known only by you. If you have forgotten the PIN on your card, you need to apply for new card at the following link. Additionaly for protection and security of your card, you need to block your card over the e-banking in few steps – see instructions on this link.

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

MasterCard is international brand for cards and all MasterCard and MaestroCard can be used for:

  1. Cash withdrawal and deposit of all ProCredit ATMs in the country;
  2. Cash withdrawal from ATMs that work with this brand in the country and abroad;
  3. Payments at POS terminals at points of sale in the country and abroad;
  4. Online payments on the internet and on web pages in the country and abroad.

If you need additional information send us an e-mail on info@procreditbank.com.mk expect our reply

The card produced should be raised by the person whose name is on the card or by another person with a power of attorney certified by a notary.

If you need additional information send us an e-mail on info@procreditbank.com.mk and wait for our reply

If you actively use your ProCredit Bank account (you have at least one outstanding transaction in the last 2 months) and regularly use your card (you have at least 5 transactions in the last 2 years) it will be automatically renewed and delivered to a previously had received your card. When the new card is delivered to a branch you will receive an SMS notification (with information on which branch you should send the card to) the mobile number left as your contact in ProCredit Bank.

If you do not have a card you need to apply for a new one at the following link

If you need additional information send us an e-mail on info@procreditbank.com.mk and expect our reply.

Кредити за физички лица

  • Housing Loan – Loan for a certain purpose, that is approved to salary recivers over 30,000 MKD. This loan is intended in order to buy an apartment or house in North Macedonia, on the basis of contract of sale and purchase, is repaid directly at the expense of the seller of the loan. The collateral for the loan is the apartment / house to be purchased or other real estate owned by the client. The terms and conditions for this loan can be found at the following link
  • Investment Loan - Loan for the purpose of home renovation, purchase of a new car or other type of investment and is approved to salary receivers over 30,000 MKD. The terms and conditions for this loan can be found on the following link

 

  • Overdraft - Flex Fund - This loan product is approved to salary recievers over 30,000 MKD. It is paid directly to your current account and you can use the funds directly with your MasterCard or via e-banking in a flexiblе and simplе way. The terms and conditions for this loan can be found at the following link.

If you need additional information send us an e-mail on info@procreditbank.com.mk 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 North Macedonia.

If you need additional information please send us e-mail at info@procreditbank.com.mk and expect our answer.

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