This web page is the property of the Clearing House – Klirinski interbankarski sistemi AD Skopje (KIBS), which fully retains the copyright over its contents.

KIBS exerts much effort to ensure that data contained on this page are complete and correct but does not assume responsibility for any mistake or omission. KIBS retains its right to withdraw, alter or supplement the contents of this web page at any time. KIBS does not accept responsibility for claims or losses that can be directly or indirectly incurred by using information, data, documentation or other material on this web page.

Visitors of this web page can browse the contents, download materials with an obligation to cite the source, and copy materials except for commercial/marketing purposes.
Links on this web page to other web pages are only intended to inform. KIBS is not responsible for the contents on other web pages.

KIBS’ logo is the sole property of KIBS and cannot be used without prior approval from KIBS.
Any intrusion on this web page and its misuse is punishable under Macedonian legislation.

Successful work

KIBS AD Skopje continues with the successful work and positive growth in terms of financial results, scope of work, customer satisfaction and service, and commitment of the management board, management and employees. Success in the operation due to the excellent cooperation with the customer services, the monitoring of the financial sector and responding appropriately to changes and challenges, monitoring and development of information technology, maintaining and raising the level of automation of processes and the application of modern technologies, commitment and concern for the needs and requirements of users and the application of international standards activities.

Informations about Digital certificates

+ 389 (02) 3297 444 + 389 (02) 5513 444
fax:+389 2 3297 497

Direct Debit
KIBS AD Skopje application solution developed to simulate the process of direct debit  under the rules, practices and standards of SEPA. KIBS has signed an agreement with the European Payments Council to use the licenses to the rules, procedures, standards and formats schemes for direct debit. The Simulator is available to all interested parties and they can participate in the role of a bank, debtor or creditor. For more information please contact the e-mail:

Macedonian Credit Bureau AD Skopje donian Credit Bureau AD Skopje

Macedonian Credit Bureau AD Skopje is the first private credit bureau in the country, founded by KIBS AD Skopje.

It`s main function is providing collection and processing data for the entity liabilities and other information determined by the Law of Credit Bureau, in order to provide debt reports and regularity in obligation accomplishment of the entities.

The product of Macedonian Credit Bureau is Report.

For more information please contact the:
phone.:+389 (0)2 3251 280
fax: +389 (0)2 3251 290