HALK EZ

Halk EZ

Youth Package

A special and innovative banking package for young people aged 16 to 24 with a number of benefits

  • Visa PayWave debit payment card – no annual membership fee
  • Free cash withdrawal at all ATMs in the country and abroad*
  • Free electronic banking
  • Free mobile application
  • Free maintenance of a payment account

*HalkBank AD Skopje does not charge any fees for ATM cash withdrawals abroad with the VISA PayWave card.

*Should the ATM bank-server charges any fees for the service, a message will be displayed on the screen before the transaction is processed.

Rates and Fees

RATES AND FEES

Visa PayWave Electron  
Fee for preparation of main card 150 MKD
Fee for preparation of additional card 150 MKD
Fee for re-issuing main/additional card 150 MKD
Re-issuing before the maturity of main/additional card (demaged/lost card) 300 MKD
Fee for urgent preparation of main/ additional card 800 MKD
Fee for unjustified reclamation 800 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 No fee
Cash withrawals on counters of the Bank According General tariff
Cash withdrawals on counters of the other Banks 3% minimum 200 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 MKD
Pin set  No fee
Changing of PIN on counter 150 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
Annual membership fee per card (basic / additional) No fee

FAQ

FAQ

Who can apply for HALK EZ?

HALK EZ –Youth package designed for individuals aged 16 to 24.

How can I apply for Halk EZ?

For Halk EZ –youth package you can apply thought our nearest branch by fulfilling the application or through the bank's website.

What documentation is needed to apply?

  • Individuals between the ages of 18 and 24 are required to submit a completed youth package application and identification documents (ID/passport)
  • For the approval of the youth package for individuals aged 16 to 18, when applying for the package, they must be represented by legal representatives/ legal guardians in person at the Bank. Legal representatives need to have with them identification documents (ID card/passport), birth certificate of the child and sign a statement regarding the youth package. A minor applying for the package must have an ID card or passport with him.

How long do customers use the benefits with Halk EZ?

Halk EZ - Youth package is intended for young people aged 16 to 24 years

Customers who reach the age of 25 will be transferred to the general group and the services they have used so far within the youth package will be charged according to the Bank's General Tariff, which is published on the Bank's website.

What is the validity of the Visa PayWave Debit Payment Card?

The validity of the card is 5 years with the possibility of reissuance.

Can I be charged a fee for withdrawing cash from an ATM abroad?

For these transactions, Halkbank AD Skopje does not charge a commission to its clients.

There are cases where the bank servicing the ATM charges a commission for using their device. When withdrawing cash from an ATM abroad, a message with the amount will be displayed on the screen itself and that you will be charged if you process the transaction.

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