Sign your card in the signature section immediately after receiving it.
Carefully check your monthly statements for your credit cards even if you haven’t used the card that month.
If you suspect that a transaction was not made by you, notify us immediately or visit one of our
branches to verify the validity of the transaction.
Please promptly inform the Bank about your personal changes (surname, address, phone contact, etc.).
Carefully follow the payment process with your card and insist that the card is returned to you immediately after the transaction is completed.
Keep a copy of the receipt for the completed transaction.
Do not disclose the number of your card over the phone unless you are speaking with an authorized Bank representative.
Do not reveal your PIN code and keep it separate from your card.
Before using the card at an ATM, make sure no one is standing behind you.
Follow the instructions displayed on the ATM screen.
Do not accept help from other people while using your card at an ATM.
If you are unsure about the validity of an ATM, leave the location immediately.
If your card is stolen or lost, contact us immediately at 02/3296-330 or by email at help24@halkbank.mk
Check the validity of your card. When the card expires, the Bank automatically reissues a new one. You can collect the reissued card at the end of the month when the previous one expires.
Pay attention to the security of your credit 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 code three times, your credit card will be confiscated. To retrieve it again, please contact the Bank.
When using an ATM, if you do not withdraw the cash or card within 20 seconds, the ATM will retract them for security reasons.
Keep ATM reports and compare them with the statement received from the Bank. If any amount is incorrect or suspicious, please notify the Bank immediately.
Verify the receipts from completed transactions and the amounts on POS terminals you use for payments to confirm the transaction that follows.

Internet Payments

  • Shop only with merchants you know exist and are verified.
  • Do not enter your PIN. Make sure the card details you enter are protected before completing the transaction.
  • On the top left corner of the website there should be a lock or caps lock symbol confirming that the page is secure. Always read the Delivery Procedure on the website where you are making the online payment.