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Halkbank AD Skopje review

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

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Our verdict

Halkbank AD Skopje is a Macedonian bank for businesses that want a fixed savings deposit and low day to day costs. The Halk Smart package carries a monthly fee of MKD 150 and the fixed deposit pays 2.8% to 3%. It suits savers who can leave money for 13 to 25.

Key facts

Best for
Businesses in Macedonia parking spare cash in a fixed term deposit.
Monthly fee
MKD 150↗
Currencies
10↗
Transfer fee
Halk Smart: unlimited free electronic PP30 and PP50, internal and KIBS orders↗
Legal entity
Halkbank AD Skopje↗
Headquarters
North Macedonia↗
Founded
1993↗
Support channels
Email, Phone, Help-centre↗
Audience
Business
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
halkbank.mk

Savings

Headline rate
2.8% to 3%↗
Rate type
Fixed↗
Term
13 to 25 months↗
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↗

Money transfer

Delivery time
Same moment↗
Payout methods
Cash-pickup↗
Fee to send 1,000
MKD 250↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInfacebook.com

Pros and cons

Pros

  • Halk Smart covers unlimited free electronic payment orders, including internal and KIBS ones
  • Free ATM withdrawals on the Halk Smart package
  • Foreign trade payments run in 10 currencies
  • Fixed deposits pay 2.8% to 3% with interest paid monthly or at maturity

Cons

  • The fixed deposit pays interest at maturity or monthly and the balance stays untouched until then, so cash is committed for the full 13 to 25 term
  • Maturity closes the deposit instead of extending it, so 13 to 25 of cover ends and has to be arranged again
  • Halk Smart charges MKD 150 a month, above the everyday accounts median of €0 and its upper quartile of €0
Halkbank AD Skopje

Ready to try Halkbank AD Skopje?

Scored 9.3 / 10 by VaultCue.

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Who it suits

  • Businesses in Macedonia holding funds they do not need for the full term
  • Companies that receive or send payments in 10 currencies
  • Anyone paying by internal or KIBS order and wanting those orders free

Who should look elsewhere

  • Savers who need to withdraw part of the balance before maturity
  • Anyone who wants the deposit to renew itself at maturity
  • PayPal Colombia, Skrill or Plazo ES, which all charge a monthly fee of $0 or nothing at all

The company behind it

Halkbank AD Skopje is the legal entity behind the brand, headquartered in North Macedonia and founded in 1993. It runs as a bank, so deposits sit with a bank rather than an electronic money provider. Help runs on email, phone and help centre, which covers email, phone and a help centre. The Halk Smart package and the fixed deposit both sit with the same bank.

How Halkbank AD Skopje compares

Where Halkbank AD Skopje is available

Available
Albania, North Macedonia, Serbia

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

Frequently asked questions

What does Halk Smart cost each month?+

Halk Smart carries a monthly fee of MKD 150. That sits well above the site median of €0 for a monthly fee, though the package also carries free ATM withdrawals and unlimited free electronic payment orders. Most providers on the site sit in the no monthly fee model.

What rate does the fixed deposit pay?+

The deposit pays a fixed rate of 2.8% to 3% for a term of 13 to 25, with a minimum deposit of MKD 3,000. Interest is paid at maturity or monthly. The rate is fixed, so it does not move with the market during the term.

Can I get money out before the term ends?+

Partial withdrawal is not available before maturity, so the balance stays locked for the term of 13 to 25. At maturity the interest is paid out. The deposit also does not renew on its own, so the funds are returned rather than rolling into another term.

How many currencies can my business pay in?+

Payments in foreign trade cover 10 currencies. The account itself is held in MK with the deposit denominated in MKD. That is a solid range, though the site median is 5 and the top of the range reaches 350.

What do transfers cost?+

Halk Smart gives you unlimited free electronic payment orders, covering internal and KIBS orders. For foreign trade payments a fee of MKD 250 applies. The site median for a monthly fee is €0, so the monthly cost is where Halkbank stands out.

Who is Halkbank AD Skopje aimed at?+

It is built for business customers, and the deposit and the Halk Smart package both serve companies rather than private savers. Support runs on email, phone and help centre. Business accounts make up 56.5% of the audience on the site.

How do I get help?+

You can reach the bank by email, phone or through the help centre, which is what email, phone and help centre covers. Phone support sits alongside 79.5% of providers on the site. There is no live chat listed.

Can I withdraw cash at an ATM?+

ATM withdrawals are free on the Halk Smart package, which is what the free ATM feature covers. That matches 52.9% of the providers on the site. For a money transfer, cash pickup is one of the payout methods available.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.

Halkbank AD Skopje

Halkbank AD Skopje

Businesses in Macedonia parking spare cash in a fixed term deposit.

9.3/10See alternatives