All adult individuals who are clients of Halkbank AD Skopje and are users of MasterCard debit and / or credit payment cards, Mastercard Debit Contactless; Mastercard Standard; Mastercard Contactless and Mastercard World, issued by Halkbank AD Skopje, have the right to participate in the Prize winning game.

With each individual transaction with Mastercard credit card issued by HALKBANK AD Skopje, made on the POS network and / or virtual POS terminals, you get one chance to participate in the Prize winning game, while with each individual transaction through the HalkPay mobile application and GarminPay option for contactless payment Mastercard credit or debit card gives you a triple chance to participate in the prize game.

The clients of the Bank who meet the conditions mentioned above, are required to fill in a declaration of consent for participation declaration in order to participate in the lottery on the official WEB page of HALKBANK AD Skopje, and that declaration will be considered as a confirmation for participation in the lottery and approval for processing personal data for the Prize winning game purposes.

For successful participation in the Prize winning game, on the ending day of the Prize winning game, it is necessary for the participants not to have more than 90 days due outstanding liabilities to HALKBANK AD Skopje. If a winner is drawn with more than 90 days outstanding liabilities to HALKBANK AD Skopje, they shall be disqualified thus replaced with a reserve winner who fully meets the rules of the Prize winning game.


HALKPay mobile application

HalkPay is a Halkbank mobile application that enables fast, easy and secure payment via a mobile device which has Android operating system. It is available for use by all Halkbank customers who have a Mastercard payment card, issued by Halkbank AD Skopje.

At the following link, there are details and instructions for using the HALKPay mobile application.


GarminPay payment functionality using Garmin  smartwatch

Supported by iOS and Android operating systems, GarminPay is a modern contactless payment solution, by simply digitizing your payment cards and bringing your Garmin watch closer to your payment device.



"Win prizes with MasterCard!" Prize winning game rules (pdf)

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