Ohridska Banka AD Skopje is a Macedonia-based universal banking institution which offers various banking product and services. The bank provides retail and corporate and small and medium-sized enterprises (SME) services. Its retail services include mobile banking, Mtoken, savings, payment operations, and safe deposit boxes. The corporate and SME services offer denar and currency accounts for non-residents, credit card facilities, e-banking services, deposits, loans and other services. The banks geographical area of operations includes the Republic of Macedonia, member states of the European Union, other European countries outside the European Union, outside Europe, members of the organization for Economic Cooperation and Development and other countries.