General

Contribute to your cashflow by making payment's on installments with the Master Card business revolving credit cards.

Master Card business revolving corporate credit card is international credit card that can be used for payment of goods and services (entertainment expenses, hotel accommodation, travel expenses, for conducting internet transactions (hotel bookings, purchase of airline tickets …) and for cash withdrawal, in the country and abroad for business needs.

The card functions on the principle of minimal monthly repayment of only 10% of the amount of used credit in the current month. This is business card that has the possibility of interest free payment in equal monthly instalments provided for the credit card beneficiaries in the stores that have established business cooperation concerning instalment selling with Halk Banka AD Skopje.

If the transaction has been realized by use of the credit card:

  • Such transaction will be divided in an equal number of instalments, either 3 or 6, depending on the point of sale and amount of the transaction, and will not be included in the calculation of the principal for the revolving charge model
  • The first instalment will be due for payment in full right after the following monthly statement

All subsequent instalments will fall due in the coming months, depending on the number of instalments, and will be completely interest free.

Benefits

  • The card functions on the principle of minimal monthly repayment of only 10% of the amount of used credit in the current month
  • Can be used for payment of goods and services and for cash withdrawal, in the country and abroad for business needs where Mastercard logo is put
  • Installment's contributes for the rational usage of your cashflow

Rates and Fees

Master Business Credit revolving Card 
Fee for preparation of main card 200,00 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
Cash withdrawals at ATM’s of Halkbank 2% or. Min.100,00 MKD
Cash withdrawals at ATM’s of other banks 2,5% or min.200,00 MKD
Cash withrawals on counters of the Bank 2% or min.100,00 MKD
Cash withdrawals on counters of the other Banks 2,5%or min.200,00 MKD
Annual membership fee per card  1.500,00 MKD  *monthly fee  of 125,00 MKD
Fee for invoice issuance No fee
Fee for warning letter 100,00 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
Amount of credit limit Based on credit policies

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

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 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.

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