Features

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Visa PayWave Electron is an international debit card for cashless transactions, which supports online payments and a possibility of 24/7 access to your available funds. The card is intended for individuals and is linked to your transaction account. 

Quick payment anywhere with the Visa PayWave contactless payment symbol 

PIN or signature authorisation is not required for transactons limited to MKD 2.000 or to the limit for contactless payment set at the terminal accepting contactless cards.

Using the cards is commission-free for the trade network and for withdrawing cash from the HalkBank AD Skopje ATMs. 

Visa PayWave Electron issued by HalkBank AD Skopje incorporates the highest safety standards in online payment. (3D Secure - Verified by Visa – VbV).

Apply for the Visa PayWave Electron online or in the nearest HalkBank AD Skopje branch.

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.

Advantages

Fees

Rates and fees

Visa Paywave Electron
Fee for preparation of main card 100 MKD
Fee for preparation of additional card 100 MKD
Fee for re-issuing main/additional card 100 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 3% minimum 200 MKD
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) Fist year without fee * 100 MKD for the following years

FAQ

Frequently asked questions

HOW CAN I APPLY FOR A VISA PAYWAVE ELECTRON?

Please visit the nearest HalkBank AD Skopje branch, or fill out our online application.

 

WHAT DOCUMENTS DO I NEED TO APPLY FOR A VISA PAYWAVE ELECTRON?

Filled out application for a debit card and a photocopy from your ID card.

 

HOW LONG IS THE PROCEDURE TO ISSUE A CARD?

Once the application is approved, the procedure to issue a card takes 2 working days for the card to be delivered at the branch of the client’s choice. The client will be notified via SMS.

 

HOW CAN I MAKE CONTACTLESS PAYMENTS?

The contactless payments with Visa PayWave Electron can be done once you bring the card closer to the POS terminal accepting contactless payments. PIN or signature authorisation is not required for transactons limited to MKD 2.000,00, or to the limit for contactless payment set at the terminal accepting contactless cards.

 

WHAT IS THE VALIDITY DATE OF THE CARD?

The validity date of the card is 3 years with the possibility for re-issuance.

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