Characteristics

Characteristics and benefits of the product

Visa PayWave Electron debit card intended for individuals is linked to the client's transaction account. Visa PayWave Electron is an international card designed for non-cash transactions, which supports online payments and the ability to use your available funds 24/7.

Possibility of fast payment wherever there is a Visa PayWave non-contact payment sign

PIN authorization and personal signature authorization is not required for transactions up to the limit specified by the Bank (2.000,00 mkd) or to the non-contact payment limit set at the terminal that accepts contactless cards.

Visa PayWave Electron issued by Halkbank AD Skopje has the highest security standard for online Secure Secure - Verified by Visa - VbV.

The money you spend are immediately debited to your account and you have overview and control over all you transactions made by your debit cards. You can apply for your debit card's through our nearest Branch by fullfilling the online application

If you want to be informed about every transaction through SMS please fullfill and send the Application for SMS Info to the nearest Branch.

Rates

Rates and fees

Visa PayWave Electron  
Fee for preparation of main card 100,00 mkd
Fee for preparation of additional card 100,00 mkd
Fee for re-issuing main/additional card 100,00 mkd
Re-issuing before the maturity of main/additional card (demaged/lost card) 300,00 mkd
Fee for urgent preparation of main/ additional card 600,00 mkd
Fee for unjustified reclamation 600,00 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 2% minimum 120 mkd
Cash withrawals on counters of the Bank According General tariff No.II-C
Cash withdrawals on counters of the other Banks 2% minimum 120,00 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 200,00 mkd
Pin set  No fee
Changing of PIN on counter 50,00 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


FAQ

Frequently Asked Questions

WHAT IS THE DIFFERNCE BETWEEN THE DEBIT AND CREDIT CARD?

Debit card is connected to a transaction account. The card provides the cardholder with the opportunity to spend available funds of the transaction account including the approved overdraft. The card can also be used for internet payments Credit Card is an international revolving credit card which is intended to be used for payments at merchants, cash withdrawal at ATM’s in domestic country and abroad. The revolving credit is the approved credit which is automatically renewable, which the bank approved to the applicant upon the request for issuing a credit card. For each successful transaction the available credit limit decreases, while with each monthly repayment of the debt, the credit limit is available to the credit cardholder for spending. The card can also be used for internet payments.

WHAT DOCUMENTS ARE REQUIRED FOR APPLYING FOR DEBIT CARD?

Filled debit card application and copy of personal ID.

HOW LONG DOES IT TAKE FOR THE NEW CARD TO REACH ME?

It takes 2 days for the card to arrive in the Branch for which the same customer will be notified with sms message to raise it in the appropriate Branch in which he applied.

WHAT IS OVERDRAFT AND CAN I GET IT?

An overdraft is a credit limit loaded to you current transaction account. This means that you have the convenience of borrowing on the same account that is used for your daily banking transactions. To get an overdraft you need to contact the Branch in your area where our colleagues will check your credit worthiness and give you the appropriate documentation for which you can apply for an overdraft.

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