North MacedoniaMKDMacedonian Denar
The currency in North Macedonia is the denar, and its rate is effectively pegged to the euro, so there are no sharp fluctuations on this route. However, there is a linguistic trap here: the country uses Cyrillic, and it seems natural to the sender to write the recipient's name in Cyrillic. However, bank details are filled in only in Latin characters.
The route, the receiving bank and the payout amount are agreed before payment.
The national currency is the Macedonian denar (MKD), which is divided into 100 deni. The denar rate has no formal hard peg; however, the National Bank of the Republic of North Macedonia's policy is effectively oriented toward maintaining stability relative to the euro, so the direction remains quite predictable in terms of currency risk. Bank transfers use IBAN in MK format; for international transfers, the bank's SWIFT/BIC code is also required. A separate practical consideration is language and script: Macedonian uses Cyrillic, but in international bank details, the recipient's first and last name must be specified in Latin characters exactly as shown in the bank statement or account details. North Macedonia is not a member of the European Union but is a candidate country and largely aligns with EU foreign policy and sanctions measures, so the availability of a specific transfer depends on the receiving bank, the correspondent chain, and the results of compliance checks; for large amounts, the bank may request the basis for payment and supporting documents. The main banking centers are Skopje, Bitola, Kumanovo, and Ohrid.
Official languages are Macedonian and Albanian. The country operates on UTC+1 in winter and UTC+2 in summer, so it is 2 hours behind Moscow in winter and 1 hour behind in summer. ATM24 checks the available route in advance before confirming the request. The timeframe for international SWIFT transfers is 2–5 business days. ATM24 commission is from 0.9%.
Card networks are well-developed, card acceptance in cities is widespread. You need the card number and cardholder name in Latin characters, as on the card itself. Credit in denars, exchange rate is shown in the request before payment. Whether the card route works is clarified in advance
Account number in European format, but the name must be strictly in Latin characters. You will need the IBAN, bank SWIFT code, and recipient name in Latin characters. Cyrillic spelling of the name will result in payment reversal. For a large amount, the bank may request the basis for payment
Cash withdrawal in the main centers of the country. Main locations - Skopje, Bitola, Kumanovo, Ohrid. The country is compact, the office is usually not far away. Available amount is confirmed when the request is submitted
For North Macedonia you need IBAN in MK format, the bank's SWIFT code, and the recipient's name from their bank statement. The denar rate is effectively tied to the euro, so the exchange is predictable. The country follows EU sanctions restrictions, and the route is confirmed before payment.
We accept RUB, USD, EUR and USDT — we pay out in MKD
RUB MKD
0.5327per 1 RUB
10 000 ₽ = 5 327 MKDUSD MKD
47.26per 1 USD
100 $ = 4 726 MKDEUR MKD
52.11per 1 EUR
100 € = 5 211 MKDUSDT MKD
47.26per 1 USDT
100 USDT = 4 726 MKD| You send | Payout in MKD |
|---|---|
| 100 USDT | 4 726 MKD |
| 300 USDT | 14 179 MKD |
| 500 USDT | 23 632 MKD |
| 1 000 USDT | 47 263 MKD |
| 5 000 USDT | 236 316 MKD |
Where recipients usually get the money in North Macedonia
Komercijalna Banka — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
NLB Tutunska Banka — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Stopanska Banka — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Halkbank Macedonia — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Sparkasse Bank Macedonia — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The national currency is the Macedonian denar (MKD), whose rate is effectively maintained relative to the euro.
Card systems
Visa and Mastercard are the main systems. DinaCard is accepted under regional agreements. KIBS (Kliring Interbankarski Sistem) provides national clearing. Komercijalna banka and NLB Tutunska banka are the main card issuers.
Payment applications
North Macedonia is not an EU member but aligns with a significant portion of EU restrictive measures.
Interbank transfers
Bank transfers use IBAN in MK format; for international transfers, the bank's SWIFT/BIC code is also required. Official languages are Macedonian and Albanian; Latin characters are used in international bank details.
Features for ATM24
North Macedonia is a candidate for EU membership; EU sanctions regime applies partially. Transfers from Russia to North Macedonia are accepted via SWIFT; check the route with an ATM24 manager.
Financial regulator
Narodna banka na Republika Severna Makedonija (National Bank of North Macedonia) is the central bank. It regulates the banking sector and monetary policy; bank supervision is also carried out by the Insurance Supervision Agency.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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We've compiled answers about the denar, how to write names in payment details, and the order of transfers from Russia.
To arrange a MKD payout in North Macedonia, ATM24 first checks the receiving channel for the North Macedonia MKD payout route. The route is confirmed before payment, including Komercijalna Banka, NLB Banka Skopje, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
A card or bank-account payout in North Macedonia in MKD is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the North Macedonia MKD payout route. The manager confirms the selected bank, such as Komercijalna Banka or NLB Banka Skopje, before payment because card and account rules may differ. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
ATM24 can check whether a MKD transfer to North Macedonia may go through Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.
For North Macedonia, ATM24 does not use one universal recipient form for every MKD transfer. The details are checked by route: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
A MKD transfer to North Macedonia can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and North Macedonia MKD payout route, Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, card route, account route, and account and card data comparison. The expected payout window is shown before payment. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
The fee for sending money to North Macedonia with payout in MKD is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through Stopanska Banka or NLB Banka Skopje, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
Yes, ATM24 can calculate a transfer to North Macedonia in MKD where the sender pays by card, bank transfer, USDT, or another available method. ATM24 checks the North Macedonia MKD payout route, payment currency, exchange conditions, bank details such as Komercijalna Banka or NLB Banka Skopje, and the final payout amount. Sender-side card or bank fees are separate from the ATM24 calculation. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
For North Macedonia, the minimum MKD transfer through ATM24 starts from 100 USD or the equivalent. The upper limit is route-based: the manager checks Komercijalna Banka, Stopanska Banka, recipient details, payout method, and document requirements before payment. A route through Stopanska Banka may have different limits than a card or non-bank payout. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
For a large MKD transfer to North Macedonia, ATM24 reviews documents around North Macedonia MKD payout route, Komercijalna Banka, Stopanska Banka, recipient-name match, route limit, payment purpose, source-of-funds review, and account and card data comparison. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
If you send 1000 USD to North Macedonia, the recipient amount in MKD is not a generic market-rate number: 47,263.15 MKD. The calculation uses the payout route, bank such as NLB Banka Skopje, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for North Macedonia: Komercijalna Banka, Stopanska Banka, NLB Banka Skopje, Silk Road Bank AD Skopje, and Halkbank AD Skopje.
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