Frequently Asked Questions

All citizens of Macedonia between the ages of 18-75 can apply, with a valid ID card or passport and a transaction account.

Loans are granted to persons who are employed, retired or unemployed persons who have a regular monthly inflow of funds, for which they need to submit a bank statement for the last 3 months.

Allowance for a third child or permanent financial assistance from the state is not considered as a valid income or as an additional monthly income.

You only need to submit a valid ID card or passport for consideration of the loan request. It is desirable that you also know the number of your health card, which is also indicated in your health identification card.

We have cash loans and dedicated loans for people from 18 to 75 years old.

Cash credits – we pay them out to a transaction account or you can withdraw cash at Iute ATMs:

Amount from 3,000 to 400,000 denars
Repayment period from 3 to 48 installments

Dedicated loans – with our partners you buy a specific product (mobile phone, bicycle, household appliances, dental services, etc.), with us you pay in installments:

Amount from 3,000 to 200,000 denars
Repayment term up to 48 installments

You can apply:

• through our Myiute mobile app
• on the calculator on our website
• in our branches
• at our trade partners with whom we have concluded a cooperation agreement

The loan agreement can be signed:

• electronically, by logging into the Myiute mobile applicationthrough an SMS code that the user receives upon registration, confirming the electronic signing of the contract that is available for inspection through the application itself
• in our branchesfor dedicated credit with our trade partners with whom we have concluded a cooperation agreement.

The money from the approved credit can be withdrawn from your bank account within 3 days, depending on the bank in which your account is and the time at which you applied for credit.

The date you have to pay, your customer number and the invoices are listed:

on the card that we give you when signing a contract in a branch office or with a trading partner,
in the SMS message that informs you that the loan has been approved

On the payment slip, for the purpose of remittance, you must indicate your customer number and the EMBG of the credit beneficiary.

You can pay your dues to the following bank accounts:

Commercial Bank 300000004121566
Stopanska Banka AD Skopje 200003209385836
Halk Bank Account Mail 270072212900120
Hulk Bank – 270072212900120
Uni Bank 240010110632845
NLB Bank 210072212900307

If you are not able to pay your loan installment on time, you can make a request to iute for installment postponement. If the answer is positive, you can postpone your installment for a period of 17 days for a small additional payment.

The customer number is contained in:

– the title of the credit framework agreement that you signed in a branch office, with partners or in your Myiute application.

– every SMS message with which we inform you that:

• your credit has been approved or
• your payment installment is due

You can postpone the payment of the installment for an additional 17 days, with a one-time fee of 300 denars.

This amount of 300 denars becomes part of the installment and must be paid with the deferred installment.

To make a postponement contact us:

– By phone at 13 333

– Via e-mail at:

– In one of our expositions

At any time, you can have an insight into the amount of the installment, the date when you have to pay and the balance of each of your loans by logging into the Myiute mobile application.

Click on Myiute and enter your date of birth and SMS code to access the data.

You can check at any time if your credit is closed with Myiute

Click on Myiute and enter your date of birth and your credit number to access the data. If the loan is closed, 0 (zero) is written in all fields.

The payment date cannot be changed. It’s always on the same date every month, so you can plan your monthly budget.

In case you have an active credit for which you are late in paying, you can request a new agreement for the restructuring of that credit in our branches or by calling 13 333.

If your contract is terminated and you cannot pay the installments and penalties for the loan, our team is available to offer you a new restructured loan under special conditions and you can schedule a consultation for this loan on 02 3149 993.

It is in your best interest not to delay the payment of installments and not be late, as you expose yourself to additional costs.

If you are late in paying the installments, as stated in Article 5 of your contract, depending on the days of delay, you will be charged: interest for delay, SMS notification of delays (300 days), written warnings that will arrive at your home address (amounts of 900, 1200, 1500 or 4800 den.).