Online App

ONLINE

application
Electronic Banking

ELECTRONIC

banking
24/7 ATM

24/7 ATM

Disposal of Your Funds
Security

The highest standards for

SECURITY

Advantages and  
features

A golden opportunity for a golden card with accident insurance policy from Halk Insurance.

The product is intended for individuals with regular monthly income—salary/pension recipients at Halkbank AD Skopje and/or clients who secure the card with a deposit.

Interest rate

Variable interest rate 12.85%

(reference rate for calculating the rate of  statutory penalty interest which at the time of conclusion of the agreement is 5.35% increased by 7.50 p.p)

Credit limit up to 600,000 MKD depending on creditworthiness.
Payment of a minimum debt of 3% of the total debt.
Accident insurance policy from Halk Insurance with an annual premium of 600 MKD
- The Bank covers the cost of the policy.
Travel privileges with your Visa Gold: https://www.myvisaluxuryhotels.com, http://www.visasoutheasteurope.com
Free Fast Track service at Skopje Airport 4 times per year.
Costs

Costs and Fees

for using payment cards

Questions

Frequently

Asked Questions

Information

Usage Information

for payment cards

Accident
Insurance Policy

Golden opportunity for a Gold Card with accident insurance policy from Halk Insurance.

Accident insurance policy from Halk Insurance with an annual premium of 600 MKD – for a period equal to the repayment term of the Visa Gold credit payment card.

The cost of the policy is covered by the Bank and the cardholder is not charged.

The policy is renewed every year and has unlimited territorial and time coverage, insuring persons up to 70 years of age.

The insured amount is defined in the policy:

Risk of death as a consequence of an accident – 300,000 MKD
Risk of permanent disability – 600,000 MKD

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