Characteristics

Characteristics and benefits of the product

The credit card allows cashless payments at retailers and withdrawing cash at the Bank or at Bank’s ATMs. The card is international, meaning that it supports fee-free transactions on domestic and foreign online shops.

Visa PayWave Credit allows payments in 2, 3, 6, 12 and 24 installments, depending on transaction amount for transactions made on POS terminals, Internet and Halkbank AD Skopje ATMs and all other banks both in the country and abroad.  Installment amount in is not optional, depending on client’s or retailer’s preferences, but is defined automatically, depending on the amount of the transaction on which interest is being charged.

The Visa PayWave credit card features the highest internet payment safety standard (3D Secure - Verified by Visa-VbV).

Installment amount in is not optional, depending on client’s or retailer’s preferences, and it is defined automatically, depending on the amount of the transaction on which interest is being charged:

Transaction amount Installments
Up to 1,500.00 MKD No installments
1,500.00- 3,000.00 MKD 2 installments
3,001.00- 6,000.00 MKD 3 installments
6,001.00- 12,000.00 MKD 6 installments
12,001.00- 24,000.00 MKD 12 installments
Above 24,001.00 MKD 24 installments


PIN authorization with personal signature is not required for transactions amounting up to Bank’s limit or up to the contactless payment limit set by the terminal accepting contactless cards

Card validity:  3 years with option for automatic re-issuing

Interest rate       Fixed interest rate of 7.7%

Repayment:      Minimum monthly amount due and payable by basic credit card user to the Bank is 100% of the monthly installment defined with the deferred payment plan, 100% of all fees and commissions applicable arising from the transactions made and 100% of the amount of the regular and default interest applicable.

Interest-free grace period - not applicable

Amount of credit limit     Option for credit limit up to 5 salaries - maximum amount of 200,000.00 MKD

Rates

Rates and fees

Visa PayWave Credit  
Basic card fee 100.00 MKD
Additional card fee 100.00 MKD
Re-issuing of basic/additional card fee 100.00 MKD
Re-issuing of basic/additional card fee before validity date expiry (for damaged/lost cards) 300.00 MKD
Express card issuing fee 600.00 MKD
Unfounded claims fee 600.00 MKD
Halkbank ATMs cash withdrawal 2.50 % min 150.00 MKD
Other banks’ ATMs cash withdrawal 3.0% min. 200.00 MKD
Cash withdrawal at Bank’s branches 3.0% min. 200.00 MKD
Cash withdrawal at other banks' branches 3.0% min. 200.00 MKD
Basic card annual fee Free of charge for the first year, 1,200.00 MKD/year after the first year
Additional card annual fee Free of charge for the first year, 600,00 MKD/year after the first year
Ladder fee  
For annual turnover of min. 90,000.00 MKD No fee
For annual turnover of min. 60,000.00 MKD 600.00 MKD
For annual turnover of min. 30,000.00 MKD 800.00 MKD
Invoice issuing fee No fee
Warning letter fee 100.00 MKD
Card blocking on client’s request via the helpdesk Help 24, email or in writing No fee
Card de-blocking on client’s request via the helpdesk Help 24, email or in writing 200.00 MKD
Credit limit increase 300.00 MKD
PIN setting No fee
PIN charge at Bank’s branch 50.00 MKD
Credit limit amount maximum up to 200.000, 00 mkd

Visa PayWave Credit

 

Basic card fee

100.00 MKD

Additional card fee

100.00 MKD

Re-issuing of basic/additional card fee

100.00 MKD

Re-issuing of basic/additional card fee before validity date expiry (for damaged/lost cards)

300.00 MKD

Express card issuing fee

600.00 MKD

Unfounded claims fee

600.00 MKD

Halkbank ATMs cash withdrawal

2.50 % min 150.00 MKD

Other banks’ ATMs cash withdrawal

3.0% min. 200.00 MKD

Cash withdrawal at Bank’s branches

3.0% min. 200.00 MKD

Cash withdrawal at other banks' branches

3.0% min. 200.00 MKD

Basic card annual fee

Free of charge for the first year, 1,200.00 MKD/year after the first year

Additional card annual fee

Free of charge for the first year, 600,00 MKD/year after the first year

Ladder fee

 

For annual turnover of min. 90,000.00 MKD

No fee

For annual turnover of min. 60,000.00 MKD

600.00 MKD

For annual turnover of min. 30,000.00 MKD

800.00 MKD

Invoice issuing fee

No fee

Warning letter fee

100.00 MKD

Card blocking on client’s request via the helpdesk Help 24, email or in writing

No fee

Card de-blocking on client’s request via the helpdesk Help 24, email or in writing

200.00 MKD

Credit limit increase

300.00 MKD

PIN setting

No fee

PIN charge at Bank’s branch

50.00 MKD

Credit limit amount

maximum up to 200.000, 00 mkd


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