With the new Internet banking served by Halkbank bring your bank everywhere and make all the necessary transactions for several minutes.

The bank serves you the most approchable Internet banking on the market enabling to follow and execute almost all the necessary banking needs . In pursuit of offering better quality in service and following modern trends Halkbank offers new internet banking service that provides you with significant advantages. The service provides you almost with all informations that you could get in a branch and all the functionalities can be used in an easy and simple way.


SmartSend - Call my bank account!

The SmartSend service allows you to easily transfer funds with one click on a contact from your phonebook that has an active Halkbank account and a successfully activated Smart Send service.

Intended for individuals with active transaction account and users of e-banking and mobile banking.

The provided service can be used through the mobile application of Halkbank AD Skopje and through

the web version for e-banking.

  1. 1. By selecting the SmartSend field through the e-banking or mobile application, you will activate the service by confirming your transaction account and mobile number.
  2. 2.To make a transaction through the SmartSend service, you need to enter the amount you want to transfer and select a contact from the phonebook and confirm the transaction.

* The contact from your phonebook needs to have an active Halkbank account and active SmartSend  with the mobile number that is connected to the e-banking in order for the transaction for payment and receipt of funds to be successful.

Smart Cash

Smart Cash

Withdrawing cash from Halkbank’s ATMs without using a card.

Service designed for individuals with active transaction account and debit card which can be used via e-banking and mobile application.

The offered service provides greater flexibility in the use of cash by the e-banking users of the Bank, as well as by their closest or third parties, for which the client decides.

The mobile phone of the e-banking user turns into a cash-generating device or a device for sending cash to other persons, which at the same time do not have to be clients of Halkbank.

By choosing the SMART CESH field via e-banking or mobile application, you generate the 10-digit code which needs to be used on Halkbank's ATM for a period of 12 hours.

Now it’s possible! Cash withdrawal without a card in a very few steps.



Internet banking is now fully available and the customer can do almost everything from anywhere he/she wants to. With the Halkbank E-Banking account the customer can now:

  • Check the balance of credit card, transaction account, loan, deposit
  • Two-factor authentication log in (using OTP according to the newest standards)
  • Higher securely level of signing payments
  • Online deposit
  • Implementation of PP53
  • Statements / Daily transactions
  • All types of payments and creating templates for payments
  • Review of the completed transactions in a period
  • Make all other things that the customer can make in the branch in a safe way
  • Smart Cash
  • Smart Send
  • Temporary blocking of debit or credit card
  • Change of limits on credit and debit cards for payment at POS terminals, ATMs and E-commerce​ Cost: 200,00 mkd
  • Download Loan annuity plan in PDF form
  • Payment instructions for foreign accounts
  • Cards status – Active/Blocked



How can i apply for E-banking account?

You need to apply through the official website of Halkbank AD on the following link . When your request will be implemented, you will be notified to take your user name, login password and / or certificate for e-banking. Then you have to log on through the official website of Halkbank AD and immediately change the original password (beware, with three unsuccessful login attempts, the application concludes half hour of security reasons)

What is the documentation nedeed?

  1. Application for registration

  2. Banking Agreement

  3. Proof of handover

It is tocken nedeed for E-banking and how much is it?

Certificate is required only if you want to make payments electronically. Tariff for E-banking service you can view on our website .

Where can I find a User Manual for e-banking service?   

All users of e-banking can check detailed guidance for using the application via the Help button.

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