Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Halkbank AD Skopje review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Halkbank AD Skopje suits savers and borrowers in North Macedonia who want a fixed rate and no setup charge on a fixed deposit. Its headline rate of 2.8% to 3% sits close to the site median of 3%, and the personal loan carries an origination fee of 0 MKD processing fee.

Key facts

Best for
Fixed-rate saving and low-rate personal borrowing in North Macedonia
Free ATM withdrawals
MKD 0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
HALKBANK AD Skopje↗
Headquarters
North Macedonia↗
Founded
1993↗
Support channels
Email, Phone↗
Official website
halkbank.mk

Loans

APR
5.57% to 6.09%↗
Loan amount
MKD 2,500,000↗
Term
13 to 25 months↗
Arrangement fee
0 MKD processing fee↗
Credit check
Hard↗
Funding time
1-3 working days to approval↗
Representative example
600,000 MKD consumer loan: 5.4% fixed rate over 95 months at 5.57% total annual cost, or 5.9% fixed over 120 months at 6.09% total annual cost, plus 500 MKD application and 450 MKD credit bureau fees↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Regular employment with regular monthly income, good credit history, of legal age; guarantor, mortgage or other security may be required↗
Loan types
Personal↗
Credit needed
Good↗
Pricing model
Fixed rate

Savings

Headline rate
2.8% to 3%↗
Minimum deposit
MKD 3,000↗
Access terms
Interest at maturity or monthly; no partial withdrawal before maturity; no auto-renewal at maturity↗
Account kind
Fixed↗

Mortgages

Initial rate
2.9%↗
APRC
3.79%↗
Fixed period
10 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, First-time-buyer↗

Credit cards

Card kind
Credit↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • Fixed deposits pay 2.8% to 3% over a term of 13 to 25, with interest paid at maturity or monthly
  • The personal loan has an origination fee of 0 MKD processing fee and a fixed rate from 5.57% to 6.09%
  • Early repayment on the personal loan is free
  • A Mastercard debit card gives a free ATM allowance of MKD 0, matching the site median of €0

Cons

  • Interest on the fixed deposit is paid at maturity or monthly, and the balance stays in place for the full term of 13 to 25 before closing at maturity
  • Eligibility for the personal loan needs a good credit history, and a guarantor, mortgage or other security may be required
  • Support runs on email and phone only
Halkbank AD Skopje

Ready to try Halkbank AD Skopje?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Savers in North Macedonia who can leave money in a fixed deposit for 13 to 25
  • Borrowers with regular monthly income and a good credit history looking at a fixed-rate personal loan
  • First-time buyers using the mortgage, which fixes at 2.9% for 10

Who should look elsewhere

  • Anyone who may need to withdraw part of a deposit early
  • Starling Personal Account Debit Card users, whose free ATM allowance of £0 suits cash-heavy spending
  • Wise users, who want a free ATM allowance of £250 and a multi-currency account

Rates and card terms

The fixed deposit pays a headline rate of 2.8% to 3%, which is close to the site median of 3%, over a term of 13 to 25. The rate type is fixed, so it holds for the whole term. Interest is paid at maturity or monthly, and the account kind is fixed. The personal loan runs at a total annual cost of 5.57% to 6.09%, with a representative example showing 5.57% to 6.09% alongside an origination fee of 0 MKD processing fee. Approval takes 1-3 working days to approval.

The company behind it

The legal entity is HALKBANK AD Skopje, headquartered in North Macedonia and founded in 1993. It lends directly rather than through a broker or marketplace. Support runs on email and phone, so card and loan queries go to a phone line or an email address rather than an instant messaging channel.

How Halkbank AD Skopje compares

Where Halkbank AD Skopje is available

Available
North Macedonia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does the fixed deposit pay?+

The deposit pays a fixed rate of 2.8% to 3% over a term of 13 to 25. That sits close to the site median of 3%. Interest is paid at maturity or monthly, depending on the terms chosen, and the account kind is fixed rather than easy access.

Can I withdraw from the deposit early?+

Partial withdrawal is closed off before maturity, and the deposit closes at maturity rather than renewing. The money stays locked in for the full term of 13 to 25, so anyone who might need the balance early is better off elsewhere. The minimum deposit is MKD 3,000.

What does the personal loan cost?+

The total annual cost runs at 5.57% to 6.09% and the origination fee is 0 MKD processing fee. The representative example shows a fixed rate over the full term, and early repayment is free. Lending is direct rather than through a broker, so HALKBANK AD Skopje is the party you deal with.

Am I eligible for the personal loan?+

You need a steady job with regular monthly income, a good credit history and to be an adult. A guarantor, a mortgage or another form of security can be asked for. The credit check is hard, and good credit is the level the lending is aimed at.

How fast is a loan decision?+

Funding takes 1-3 working days to approval. The application carries credit bureau fees on top of the origination fee, and the loan amount available runs up to MKD 2,500,000. Repaying early costs nothing, which most of the market also offers.

What does the debit card include?+

The card is a Mastercard debit card, and the free ATM allowance is MKD 0. That compares with £250 at Wise, £0 at Starling Personal Account Debit Card and $0 at Upgrade OneCard.

Is there a fee to open a mortgage?+

The product fee on the mortgage is €0, so nothing is charged upfront. The initial rate is 2.9%, held for 10, and the total annual cost is 3.79%. Borrowing is capped at 90% of the property value.

What is the mortgage for?+

The mortgage is aimed at house purchase and first-time buyers. The initial rate of 2.9% is fixed for 10, and up to 90% can be borrowed against the property. Halkbank AD Skopje is headquartered in North Macedonia.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Currency conversion fee, Protection.

Halkbank AD Skopje

Halkbank AD Skopje

Fixed-rate saving and low-rate personal borrowing in North Macedonia

9.1/10See alternatives