Information for use

Customers who are individuals can apply for the use of debit or credit payment cards.

Debit and credit payment cards issued by Halkbank AD Skopje are international payment cards and have the highest security standards in online payments (3D Secure – Visa Secure and Mastercard Secure Code).

The debit payment card is linked to the client's payment account at the bank.

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

For the use of a credit payment card, the client's creditworthiness is checked and a credit limit is approved. A revolving credit card is actually an approved loan that is automatically renewable, and which the Bank approves to the applicant for the issuance of a credit card. For the used amount, the available credit limit is reduced, while after the payment of the used amount, it is again available for use by the credit card user.

The credit card can be approved to individuals with regular monthly incomes – recipients or non-recipients of a salary/pension in Halkbank and/or clients who will provide the card with a deposit. Depending on the type of credit card.

The validity of the credit card is 3 years with the possibility of reissuance.

Possibility for  cash withdrawal at ATMs, payment at POS terminals and the possibility of online payment.

Additional benefits with credit  payment cards:

  • Payment in up to 60 interest-free installments at over 800 partners of the Bank.
  • Collect bonus points and use them at the Halkbank POS terminal network
  • Withdraw cash without commission during the last seven days of each month from Halkbank AD Skopje ATMs.
  • 10% lower prices when purchasing voluntary insurance policies from Halk Insurance.
  • Possibility to apply online via Electronic Banking or the Mobile Application for some credit payment cards.

 Payment cards enable fast and easy contactless payment wherever there is a contactless payment sign.

Pin authorization and authorization with a personal signature are not required for  payment transactions up to the limit set by the Bank (2,000 denars) or up to the limit for contactless payment set on the terminal that accepts contactless payment cards.

Enhanced authentication has been implemented for transactions on POS terminals with debit and credit payment cards issued by Halkbank AD Skopje.

Entering a PIN code on the POS terminal will be requested in the following cases of contactless payment transactions:

 

  • when the individual amount of the contactless payment transaction exceeds2,000 denars
  • when the total amount of previous contactless payment transactions (which were authorized without a PIN code) exceeds the amount of 9,000 denars
  • when the number of consecutive contactless payment transactions transactions (which were authorized without a PIN code)  is greater than five

 

The limit for payment with payment cards and all executed payment transactions can be monitored and set by clients via electronic or mobile banking.

To be informed about each of your payment transactions via SMS info, you can apply to the nearest branch/branch of Halkbank AD Skopje, submit it to the email:  help24@halkbank.mk or activate via electronic/mobile banking.

When the client submits an application for a payment card or applies online for a payment card, he will be informed via SMS that the payment card has been printed and from which branch/branch to pick it up. The procedure takes 3-5 business days.

Security information and guidelines for
using payment cards

Please update your personal data in the Bank in a timely manner for any personal changes (surname, address, telephone contact, etc.)

Do not reveal your PIN code and keep it separate from your payment card

If you enter the wrong PIN three times, your payment card will be temporarily disabled blocked. To reactivate it, please contact the nearest branch/branch office to enter a new PIN.

In case your payment card is stolen or lost, immediately contact the following phones 02/3296-330 or  by email help24@halkbank.mk

Carefully follow the processes when paying with your payment card and insist that the payment card be handed over to you immediately after completing the payment transaction

Before using your payment card at an ATM, make sure that no one is behind you

Follow the instructions displayed on the ATM screen. 

Do not accept help from others while using your payment card at an ATM. 

If you are unsure about the validity of any of the ATMs, immediately leave the location and call the Halkbank AD Skopje contact center Help24/7- 02/3296-330 to check your payment card.

Check the validity of your payment card - The Bank monitors the card activity for the last 6 months and if you have used it, it will automatically reissue a new one. The Bank informs you about a reissued payment card by SMS so that you can pick it up from the branch/sub-branch where it was delivered. You can pick up the reissued payment card at the end of the month when your previous plastic card expires.

In case there is a suspicion that a payment transaction was not made by you, immediately notify us or visit one of our branches to check the validity of the payment transaction.

Pay attention to the security of your payment card. Do not expose it to places where it could be stolen and do not give it to other people.

If you enter the wrong PIN at the ATM three times, your payment card will be confiscated. To withdraw it again, please contact the Bank.

When using an ATM, if you do not withdraw cash or a payment card within 20 seconds, the ATM will withdraw it for security reasons.

Internet payments - buy from registered and verified Merchants.

In the left corner of the web page there should be a symbol lock or caps lock which confirms that the page is secure. Always read the Delivery Procedure on the web page where you make an online payment.

debit

payment cards

daha fazla bilgi
SORU VE CEVAPLAR

Важност на платежни картички?

  • Debit payment cards are issued with a validity of 5 years with the possibility of reissuance.
  • Credit payment cards are issued with a validity of 3 years with the possibility of reissuance.

Како може да се аплицира за платежна картичка?

Clients have the possibility to apply for payment cards through:

  • the website of Halkbank AD Skopje
  • electronic/mobile banking or
  • at the branches/offices of the Bank

Потребна документација за аплицирање на платежна картичка?

  • Debit payment card: personally completed application for a payment card and valid ID card
  • Credit payment card: personally completed application for a payment card, valid ID card, statement from payment account for the last 6 months, confirmation of employment and personal income and/or other documents if necessary (bank employees will inform the client)

Колку време е потребно за изработка и издавање на платежната картичка?

With the approval of the application, the procedure for issuing the payment card takes 3-5 working days to be delivered to the branch/office, and the client will be notified via SMS message.

Како може да се искористат бонус поените?

Use the collected points for future payments in the Halkbank POS terminal network. 1 bonus point equals 1 denar. The bonus program applies only to Mastercard and Visa credit cards for individuals.

Кога може да се користат услугите од Халк Асистенција?

In case the vehicle is immobile or cannot be safely driven, to organize the roadside assistance service it is enough to request help through the Drive Angel application or call the ORYX contact center at the toll-free number 080022207 for calls from North Macedonia or at +389 23 204 037 for calls abroad. The number is available 24/7, 365 days a year.

Дали корисникот на картичката мора да има сопствено возило за да може да ја активира услугата Халк Асистенција?

For users of the Mastercard World debit card and Visa Travel credit payment card. No, the Halk Assistance package is not tied to a vehicle, but to the user of the primary credit card, and it can be used for any commercial vehicle provided that the holder of Halk Assistance is present at the event with the vehicle where the service can be activated (traffic accident, vehicle breakdown, careless handling, etc.).

Каде и како може да се добие Drive Angel?

Drive Angel is an integral part of the roadside assistance product, and the application can be downloaded via Android or iPhone devices and then installed on the mobile device. At the following link, the installation guide is available. After starting the application, it is necessary to enter the access code that the user of the primary card receives on their mobile phone 24 hours after receiving the roadside assistance policy, and then enter the required data, after which the personal Angel is ready for use.

Дали со платежната картичка е овозможен Lounge Кey пристап ?

Што е потребно за да се користат услугите на Lounge Key деловните салони?

Дали може да ги користам бенефициите на Lounge Key доколку картичката не ја носам со себе?

Дали смее малолетно лице/деца да влезе/влезат во Lounge Key ?

Не можам да ја најдам локацијата на конктретниот Lounge Key- Како полесно да ја најдам локацијата?