Dear users,

Halkbank AD Skopje starts issuing a domestic payment card marked "I’M BUYING DOMESTIC PRODUCTS" intended for all users who will receive financial support from the Government of the Republic of North Macedonia.

The Government of the Republic of North Macedonia adopted an ordinance with legal force published in the Official Gazette of the Republic of North Macedonia no. 137/20, 147/20 and no. 151/20 on financial support for citizens and low-income employees, young people aged 16 to 29 and health professionals by issuing a domestic payment card intended for the purchase of Macedonian products and services during the pandemic (hereinafter: “Decree with legal force”).

Users of financial support will be published on www.kupuvamdomasno.gov.mk and each user by entering their ID number on the website www.kupuvamdomasno.gov.mk with security (HTTPS) protocol, checks in which bank issuer will be issued their domestic payment card and the amount of financial support.

Beneficiaries of financial support who are existing customers of Halkbank AD Skopje and already have a parent branch, will have a special transaction account for the purposes of the regulation with legal force. For timely information on how to receive the domestic payment card, the USERS NEED TO:

  • If they have not updated their data, they should contact the bank through the Halkbank AD Skopje 24/7 Contact Center on the telephone number 02/3296-330 to update the telephone number data or to visit the nearest branch to make the update.
  • When Halkbank AD Skopje prepares the domestic payment card, it will send an SMS with information where they can pick up their payment card from the branch where it will be delivered.
  • When handing over the domestic payment card, the user of financial support needs to be identified in the branch with a personal identification document (ID card or passport).
  • When handing over the domestic payment card, the user in the branch concludes:
    • Agreement for opening a transaction account and signing the necessary documentation.
    • Agreement for issuing a domestic payment card "I’M BUYING DOMESTIC PRODUCTS" and signs the complete documentation for handing over the card.
    • At the POS terminal in the branch, they activate the payment card by setting the PIN and signing a certificate for handing over the card.
  • A minor citizen user of a domestic payment card who has a valid identification document (ID card or passport) in accordance with the legal force, can independently consent and conclude an Agreement for issuance of a payment card and opening a special transaction account without the presence of parent/guardian and without their registration as a legal representative in the bank and it will be considered that it is in accordance with the Law on Obligations and other regulations related to the operation of banks.


A special transaction account will be opened for all users of financial support that are allocated for issuing a domestic payment card for the purposes of the regulation with legal force. For timely information on how to receive the domestic payment card, the USERS NEED TO:

  • To visit the nearest Branch of the Bank where he will fill and sign an application for identification of a client or to bring it filled and signed. *

       * The client identification application form can be downloaded from the following link.


  • When Halkbank AD Skopje prepares the domestic payment card, it will send an SMS with information where they can pick up their payment card from the branch where it will be delivered.
  • When handing over the domestic payment card, the user of financial support needs to be identified in the branch with a personal identification document (ID card or passport).
  • When handing over the domestic payment card, the user in the branch concludes:
    • Agreement for opening a transaction account and signing the necessary documentation.
    • Agreement for issuing a domestic payment card "I’M BUYING DOMESTIC PRODUCTS" and signs the complete documentation for handing over the card.
    • At the POS terminal in the branch, they activate the payment card by setting the PIN and signing a certificate for handing over the card.
  • A minor citizen user of a domestic payment card who has a valid identification document (ID card or passport) in accordance with the legal force, can independently consent and conclude an Agreement for issuance of a payment card and opening a special transaction account without the presence of parent/guardian and without their registration as a legal representative in the bank and it will be considered that it is in accordance with the Law on Obligations and other regulations related to the operation of banks.


Halkbank AD Skopje prepares the domestic payment card of the user of financial support which is a one-time amount of funds paid on the domestic payment card of the user of financial support.

The applied financial support cannot be used using any other payment instrument other than the payment card.

The users of the financial support use the applied financial support on the domestic payment card exclusively for the purchase of Macedonian products and services from legal entities and natural persons performing economic activity, residents of the Republic of North Macedonia.

The applied financial support cannot be used using any other payment instrument other than the domestic payment card.

With the domestic payment card, financial support cannot be used for:

  • withdrawing cash from ATMs, from POS terminals or by order for payment of cash at bank counters, conversion into foreign currency or as cash exchange,
  • payment of products and services on physical and/or internet (virtual) terminals, for raising cash on ATMs and other terminals, served by non-residents and/or residents, performers of activities outside the territory of the Republic of North Macedonia,
  • transfer of funds to other accounts in the bank issuing the domestic payment card and/or to other accounts with another holder of payment operations, regardless of whether it is an account of the person benefiting the financial support or is an account of another natural and/or legal entity,
  • payment for Macedonian products and services that do not meet the definitions in accordance with the regulation by legal force,
  • payment of legal entities and natural persons who do not meet the requirement for performing an activity in accordance with the regulation with legal force.


The agreement for issuance of a domestic payment card signed by the user of the domestic payment card contains mandatory elements according to which Halkbank AD Skopje to a person benefiting from financial support:

  • does not calculate and charges fees for issuing a domestic payment card,
  • does not calculate and charges a membership fee for the first year of validity of the domestic payment card,
  • does not calculate and charges fees for opening, running, managing, maintaining and similar fees on the account related to the home payment card, until the end of 2020,
  • enables the continuation of the use of the domestic payment card even after the expiration of the calendar year 2020, in accordance with the general rules and conditions for using the payment card that Halkbank AD Skopje has published on its website and,
  • does not charge fees for closing the account and for closing and/or checking the domestic payment card at the request of the person benefiting from the financial support.


The collected and processed personal data are stored within the deadlines determined by the Banking Law.

For more detailed information about the domestic payment card you can visit the link www.kupuvamdomasno.gov.mk



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