FEATURES

The Visa Vita credit cards give you the opportunity to use the available funds from your revolving loan limit with a 24/7 access.

The card is intended for cashless payments in the trade network, and cash withdrawals at the Bank’s ATMs and counters. The card is international, meaning it supports no-fee online payments for the domestic and foreign online shops. The client using the card is notified about each payment made through email.

Possibility for contactless transactions with a touch of the card to POS terminals featuring the symbol for contactless transactions.

The cards issued by HalkBank AD Skopje feature the highest security standards in Internet payments 3D Secure - Verified by Visa - VbV.
Anyone interested in applying, can do so online or in the nearest HalkBank AD Skopje branch by submitting this Application form.

To receive SMS notifications for every payment you make - please fill out the SMS Info application, and leave it at the nearest HalkBank AD Skopje branch, or send it to help24@halkbank.mk.

Rates and fees

• Salary recievers in Halkbank:
• 6,6% fixed interest rate for the period 01.05-31.12.2024
  for the rest of the period 13,8% Variable interest rate (7,50 p.p + referent rate for calculation legal interest rate from NBRM, which currently is 6,3%)
• Without salary in Halkbank: 14,3% variable interest rate (8 p.p+ referent rate for calculation legal interest rate from NBRM, which currently is 6,3%)