9:41
Zinq

Send money to anyone, by phone.

Instant transfers across every Macedonian bank, 24/7. No account numbers. Your money stays in your bank.

  • Instant, 24/7 Transfers settle in seconds, any time of day.
  • By phone number No IBAN, no account numbers. Just a phone.
  • Bank-grade safety Money never leaves your bank. Zinq just makes it move.

By continuing you agree to our Terms & Privacy Policy.

9:41

What's your phone number?

We'll send you a one-time code to verify it's really you. This is how friends will be able to send you money.

🇲🇰 +389

Standard SMS rates may apply. We'll never share your number with third parties.

9:41

Enter the 6-digit code

We sent it to +389 70 123 456. The code should arrive in a few seconds.

2
8
4
9
0
1

Didn't get a code? Resend in 24s

9:41

Verify your identity

Macedonian law requires us to verify your identity before you can send money. We use oneID — the national digital identity service.

Verify with oneID
You'll be securely redirected to oneID to confirm your identity. Takes about 60 seconds.
  • Scan your ID document
  • Take a quick selfie
  • Done — never repeat this

oneID is regulated by the Macedonian government and used by major banks. Your data is encrypted end-to-end.

9:41

Link your bank

Choose where you'd like to send money from. You can add more banks later — just one is needed to start.

NLB Banka
Komercijalna
Halkbank
Stopanska

You'll be redirected to your bank to grant Zinq permission to initiate payments and read your balance. No password is shared with Zinq.

9:41

You're all set

NLB Banka is linked. You can now send and receive money instantly with anyone in Macedonia.

9:41
Good morning, Marko
M
N NLB Banka · ••5523
Available balance
24,580.00
MKD
Send
to anyone
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money
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Ana
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MK
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Recent activity
AN
Ana Mitrovska
Yesterday · Lunch split
−500 MKD
JV
Jovan Petrov
Yesterday · From Halkbank
+1,200 MKD
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Mila Kostova
2 days ago · Concert tickets
−1,800 MKD
SP
Stefan Pavlovski
3 days ago · Coffee
−180 MKD
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9:41
MS
Marko Stojanovski
+389 75 ··· 412 · 2 days ago
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Elena Trajkovska
+389 70 ··· 829 · last week
Zinq
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Bojan Petrov
+389 71 ··· 104
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Ana Jovanovska
+389 78 ··· 567
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Stefan Nikolov
+389 76 ··· 233
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Damjan Kostov
+389 70 ··· 901 · Invite to Zinq
9:41
MS
Marko Stojanovski
+389 75 ··· 412
Has a Zinq account · Receives into Komercijalna
Is this the right person?
9:41
MKD
1,500.00
Flat fee 25 MKD · regardless of amount or bank
NLB Banka
Лична сметка ···5678
12,480.50 MKD available
9:41

What's it for?

Optional. Your recipient will see this.

0/50
9:41

Confirm transfer

Check everything looks right before approving.

From
Your NLB account
···5678
To
Marko
Komercijalna
Amount
1,500.00 MKD
Fee
25.00 MKD
Total to send
1,500.00 MKD Deducted from your NLB account
Arrives in seconds via KIBS Instant
9:41
Open NLB app to approve
The payment is authorized in your bank's app, never in Zinq. Tap below to switch over.
Waiting for approval · 02:00
9:41
Waiting for NLB to confirm
Your bank is reviewing the payment. This usually takes just a moment.
9:41
NLB
KIBS
KOM
KIBS INSTANT
Sending in real time
The transfer is moving across the national instant payment scheme.
9:41
You sent
1,500.00 MKD
to Marko
Reference KIBS-MK-9XR2814
Settled in 2.4s
Time 09:41