North Macedonia

North Macedonia
`mkt_mk`

North Macedonia’s denar accounts and bank cards serve a smaller Balkan economy with European transfer connections. Domestic merchant acceptance sits alongside cross-border banking in a country of approximately 1.82 million residents whose GDP per capita was around US$10,500 in 2025.

Population

1.8M

GDP

$19B

GDP per Capita

$10K

GDP Growth

3.5%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in North Macedonia

North Macedonia's markets and smaller shops still rely on denar cash, even where hotels and larger retailers accept payment cards. Urban ATMs ease access, but card availability has not eliminated purchases restricted to cash payments.

ATMs (PER 100K)

74.5

BANKS (PER 100K)

25.3

DEBIT CARDS (PER ADULT)

1.1

CREDIT CARDS (PER ADULT)

0.2

Compare

IMF, Financial Access Survey (FAS), 2025