General

Be in touch with your money and have an easy access to your funds 24/7.

Visa Electron and Maestro debit cards are bringing your funds everywhere in a safety and easy transferable way. Both cards can be used domestically and abroad, as well as for internet payments and provide an opportunity to spend the available funds on your account as well as your overdraft. Don't miss the chance to travel and make shopping around in the world with Visa Electron and Maestro. You can apply for your Debit Card through our nearest Branch by fullfilling the application.

Benefits

  • You can easily and quickly perform your banking transactions at Halkbanks ATM network and pay for your purchases without carrying cash with you.
  • Aside from Halkbanks ATM network, you can also use other banks ATM’s in Macedonia and abroad where the Maestro or Visa logo is present
  • You can make transactions on Internet and be actively involved in E- Commerce market.
  • The money you spend are immediately debited to your account and you have overview and control over all you transactions made by your debit cards. You can apply for your debit card's through our nearest Branch by fullfilling the application.
  • 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 Electron/Maestro
Fee for preparation of main card 100,00 MKD
Fee for preparation of additional card 100,00 MKD
Fee for re-issuing main/additional card 100,00 MKD
Re-issuing before the maturity of main/additional card (demaged/lost card) 300,00 MKD
Fee for urgent preparation of main/ additional card 600,00 MKD
Fee for unjustified reclamation  600,00 MKD
Account statement on the ATM’s of Halkbank No fee
Cash withdrawals at ATM’s of Halkbank No fee
Cash withdrawals at ATM’s of other banks 2% minimum 120 MKD
Cash withrawals on counters of the Bank According General tariff
Cash withdrawals on counters of the other Banks 2% minimum 120,00 MKD
Card blocking by demand from the client through Help 24,e-mail or with written demand No fee
Card unblocking by demand from the client through Help 24,e-mail or with written demand 200,00 MKD
Pin set   No fee
Changing of PIN on counter 50,00 MKD
Active interest rate on overdraft. Penalty interest rate on overdraft to the allowed balance of the account. Passive interest rate According to a decision on a interest rates
Mastercard Debit Contactless  
Fee for preparation of main card for clients with salary/pension in Halkbank AD Skopje  No fee
Fee for preparation of main card for clients without salary/pension in Halkbank AD Skopje  300,00 MKD
Fee for preparation of additional card 100,00 MKD
Re-issuing  of main/additional card  100,00 MKD
Re-issuing before the maturity of main/additional card (demaged/lost card) 300,00 MKD
Fee for urgent preparation of main/ additional card 600,00 MKD
Fee for unjustified reclamation  600,00 MKD
Annual membership for Mastercard Debit Contactless for clients with salary/pension in Halkbank AD Skopje  First year without fee
* For realized annual turnover of min 90.000,00 MKD – No fee
* For realized annual turnover under  90.000,00 MKD - 300,00 MKD
Annual membership for Mastercard Debit Contactless for clients without salary/pension in Halkbank AD Skopje  First year without fee
*300,00 MKD for for the following years
Cash withrawals on counters of the Bank According General tariff
Cash withdrawals on counters of the other Banks 2% minimum 120,00 MKD
Cash withdrawals at ATM's of Halkbank  No fee
Cash withdrawals at ATM’s of other Banks in R.Macedonia for clients with salary/pension in Halkbank  No fee
Cash withdrawals at ATM’s of other Banks in R.Macedonia for clients without salary/pension in Halkbank  2% minimum 120,00 MKD
Cash withdrawal at ATMs of other banks abroad 2% minimum 120,00 MKD
Account statement on the ATM’s of Halkbank No fee
Card blocking by demand from the client through Help 24,e-mail or with written demand No fee
Card unblocking by demand from the client through Help 24,e-mail or with written demand 200,00 MKD
Pin set   No fee
Changing of PIN on counter 50,00 MKD
Active interest rate on overdraft. Penalty interest rate on overdraft to the allowed balance of the account. Passive interest rate According to a decision on a interest rates

FAQ

What is the differnce between the debit and credit card?

Debit card is connected to a transaction account. The card provides the cardholder with the opportunity to spend available funds of the transaction account including the approved overdraft. The card can also be used for internet payments Credit Card is an international revolving credit card which is intended to be used for payments at merchants, cash withdrawal at ATM’s in domestic country and abroad. The revolving credit is the approved credit which is automatically renewable, which the bank approved to the applicant upon the request for issuing a credit card. For each successful transaction the available credit limit decreases, while with each monthly repayment of the debt, the credit limit is available to the credit cardholder for spending. The card can also be used for internet payments.

What documents are required for applying for debit card?

Filled debit card application and copy of personal ID.

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.

What is overdraft and can I get it?

An overdraft is a credit limit loaded to you current transaction account. This means that you have the convenience of borrowing on the same account that is used for your daily banking transactions. To get an overdraft 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 an overdraft.

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