General

Pay and Save while using Halkbank's Credit Cards.

By using Visa Classic, Visa Gold, Master Card standard and Mastercard PayPass you are becoming a part of the unique bonus progam on the market that enables you to collect bonus points and to use those for every day shoping. Live becomes even easier with payment's on installment avaible on our credit card's and presented to you in order all your wishes to become true.

Master Card Pay Pass will make your day even faster by its contribution for your time consuming during the payment's you will make, No PIN required, No signature required, No waiting for transaction approval, just a touch on the POS terminal will be enough.

All credit cards provide you an opportunity to spend the available funds approved on your revolving credit limit using the benefits and giving you an easy access to your funds 24/7.

You can apply for your Credit Card through our nearest branch by fullfilling the application.

Benefits

  • You can pay minimum 5% plus Intallment of the overall debt on monthly basis
  • You can make payment's on installment's - purchases on up to 60 installments are possible at selected merchants, partners of Halkbank
  • Collection and usage of bonus points – collect bonus points in the amount of 0.5% on all transactions made with the credit cards at Halkbanks POS terminal network and use the same for making payments on Halkbanks POS terminal network.
  • Possibility for purchase on discounted prices at selected merchants, partners of Halkbank
  • You can make a fast Contactless transactions at Halkbank POS network
  • You can apply for your credit card by sending the application to branches or pay your debt through Internet banking and ATM's
  • If you want to be informed about every transaction through SMS please fullfill and send the Application for SMS Info to the nearest Branch.

Rates and Fees

Visa Classic Credit, Master Card Standard, Master Card Pay Pass

Interest Rate's (general) 12,00%
Amount of Credit Limit Up to 100.000,00 MKD or according to the decision of the Board
Cash withdrawals at ATM`s of HALKBANK 2,50 % minimum 150 MKD
Cash withdrawals on counters of HALKBANK 3,00 % minimum 200 MKD
Cash withdrawals at ATM`s of other Banks 3,00 % minimum 200 MKD
Annual membership fee for credit card No fee for the first year, 1200,00 MKD for the following years
Annual membership fee for additional card No fee for the first year, 600,00 MKD for the second year
Replacement of damaged credit card (reissuance of credit card and PIN) 300,00 MKD
Fee for urgent preparation of credit card 600,00 MKD
Fee for invoice issuance No fee
Fee for card blocking No fee
Fee for card unblocking 60,00 MKD
Fee for unfounded claim 600,00 MKD
Fee for warning 100,00 MKD
Interest rates of different target groups
SONK 10%
Pensioners 10%
Members of UPOZ 10%
Persons with authorizations 10.5%

VISA GOLD

Interest rate 12.00%
Amount of Credit Limit Up to 600.000,00 MKD or acording to the decision of the Credit Committee
Cash withdrawals at ATM`s of HALKBANK 2,50 % minimum 150 MKD
Cash withdrawals on counters of HALKBANK 3,00 % minimum 200 MKD
Cash withdrawals at ATM`s of other Banks 3,00 % minimum 200 MKD
Cash withdrawals on the counters of other Banks 3,00 % minimum 200 MKD
Annual membership fee for credit card 1.800,00 MKD
Annual membership fee for additional card 900,00 MKD
Fee for urgent preparation of credit card 600,00 MKD
Fee for invoice issuance No fee
Fee for card blocking No fee
Fee for card unblocking 60,00 MKD
Fee for unfounded claim 600,00 MKD
Fee for warning 100,00 MKD

FAQ

How can I apply for a credit card?

To get a credit card you need to contact the Branch in your area where our colleagues will check your credit worthiness and give you the appropriate documentation for which you can apply for a credit card.

What documents are required to apply for a credit card?

  • Application for credit card which need to be verified and completed by your employer and yourself
  • Statement for last three months
  • Personal ID
  • Standing Order
  • For Private Companies we need also
    M1/M2 form secured by your employer

How can I pay my credit card debt (automatically)?

If you receive salary in our bank you can sign standing order in our Branch which our colleagues will activate and the Bank automatically will withdraw money every month from your account for which you can save time.

How can I use my Master Card Pay Pass for contactless payments?

Look for the MasterCard Paypass logo. Than just tap your card on the universal contactless symbol on the reader to checkout. When you see green light and hear the beep, your payment has been accepted. There’s no need to sign enter a PIN.

How long does it take for the new card to reach me?

It takes 2 days for the card to arrive in the Branch for which the same customer will be notified with sms message to raise it in the appropriate Branch in which he applied.

How can I receive my credit card statement via e-mail?

You need only to contact and inform our colleagues in the Branch and leave your e-mail data for which it will be made systematic changes so you can get your credit card statement regularly every month on your e-mail.

Be informed about

CONSUMER LOANS

Say
your need

Be informed about

CHILDREN SAVING

Save
for your children

Go to

E-BANKING

You can
do banking from everywhere!

Copyright 2015 HALKBANK AD Skopje. All rights reserved.