End of Year Package for Small Business

Apply or transfer the loan to Tirana Bank and perform all business services through the account and business application which you benefit from for free for 1 year. (account + Tibank application = 0 lek/month, for 12 months)

This offer is valid for loan applications until 31.12.2025

Loan Products in TB

Quick loan, without collateral:

• Up to 50,000 EUR/6,000,000 ALL
• Term up to 10 years
• Fast approval
• Purpose according to the needs of the activity

Investment loan with collateral:

• Up to 250,000 EUR/28,000,000 ALL
• Term up to 10 years
• Fast approval
• Purpose according to the needs of the activity

Overdraft/bank advance:

• Up to 150,000 EUR/18,000,000 ALL, 30% of annual sales
• Term up to 1 year
• Fast approval

Photovoltaic panel loan:

• Up to 150,000 EUR/18,000,000 ALL
• 100% financing
• Term up to 5 years
• Approval of fast
• No collateral (panel only)

Leasing:

• Up to 150,000 EUR/18,000,000 ALL
• 90% financing
• Up to 5 years term
• Fast approval
• No collateral

Loan for Pharmacy / Other Medical Clinics:

• Up to 50,000 EUR/6,000,000 ALL
• Up to 5 years term
• Fast approval
• IR + Preferential disbursement commission.

Tirana Bank offers the Premium Package to all clients in the Affluent/Premium Segment, which is a combination of products and services with more benefits, flexibility, and convenience.

Current Account (payroll/standard) gives you full access to your funds at any time and allows you to perform any type of transaction, with the following benefits:

• Currency: LEK, EUR;
• No commission for account opening;
• Minimum account balance: 1,000 LEK, 10 EUR;
• Monthly account maintenance fee: 0 LEK, 0 EUR;
• Account statement issued once a month free of charge;
• Automatic bill payment for utility services (water, electricity, telephone);
• Automatic payment of Tirana Bank Credit Card or Loans through periodic authorization, free of charge;
• Payments to third parties through periodic authorization for external transfers (rent, taxes, etc.);
• Registration in Tirana Bank Online.

For any additional information, please refer to the current Terms and Conditions of Tirana Bank, published in this website.

VISA Debit Card, which you receive instantly at any branch upon opening the current account, offering:

• Annual Fee 0 Lek / 0 Euro;
• High daily limit for cash withdrawals and purchases: 75,000 ALL;
• No commission for cash withdrawals at Tirana Bank ATMs;
• No commission for all purchases at POS within Albania;
• Possibility to link the card with multiple accounts in ALL and EUR;
• Full usage security with Chip & Pin technology;
• 3-year validity for the first card and then 5 years, automatic renewal without commission;
• PIN change option at Tirana Bank ATMs.

VISA GOLD Credit Card, which you can use as desired and needed, both domestically and internationally:

• Annual Fee 0 Lek / 0 Euro;
• Credit limit up to 15,000 EUR;
• Competitive interest rate;
• Cash withdrawal up to 30% of the unused card limit;
• No commission for all purchases at Points of Sale (POS) and online;
• Very favorable minimum monthly payment;
• High usage security with Chip and Pin technology;
• Free online information for monthly statements and card transactions;
• Maximum security through real-time notifications via SMS / Email for every transaction made.

For more detailed information, please refer to the Pre-contractual Information document of the Visa Gold Credit Card attached

Attention! Borrowing costs money.

TiBank Platform

• Web Banking, banking through your personal computer (PC / Mac)
• Mobile Banking, convenience of performing banking operations via your mobile phone

Premium Payroll Package is offered with a monthly maintenance fee of 380 ALL

Premium Standard Package is offered with a monthly maintenance fee of 400 ALL

Tirana Bank offers the Mass Payroll/Standard Package to all clients in the Mass Segment, which is a combination of products and services with more benefits, flexibility, and convenience.

Current Account (payroll/standard) gives you full access to your funds at any time and allows you to perform any type of transaction, with the following benefits:

• Currency: LEK, EUR;
• No commission for account opening;
• Minimum account balance: 1,000 LEK, 10 EUR;
• Monthly account maintenance fee: 0 LEK, 0 EUR;
• Account statement issued once a month free of charge;
• Automatic bill payment for utility services (water, electricity, telephone);
• Automatic payment of Tirana Bank Credit Card or Loans through periodic authorization, free of charge;
• Payments to third parties through periodic authorization for external transfers (rent, taxes, etc.);
• Registration in Tirana Bank Online.

For any additional information, please refer to the current Terms and Conditions of Tirana Bank, published in this website.

VISA Debit Card, which you receive instantly at any branch upon opening the current account, offering:

• Annual Fee 0 Lek / 0 Euro
• High daily limit for cash withdrawals and purchases: 75,000 ALL
• No commission for cash withdrawals at Tirana Bank ATMs
• No commission for all purchases at POS within Albania
• Possibility to link the card with multiple accounts in ALL and EUR
• Full usage security with Chip & Pin technology
• 3-year validity for the first card and then 5 years, automatic renewal without commission
• PIN change option at Tirana Bank ATMs

VISA CLASSIC Credit Card Co-Branded, which you can use as desired and needed, both domestically and internationally:

• Annual Fee 0 Lek / 0 Euro
• Credit limit up to 5,000 EUR
• Competitive interest rate
• Installment payment up to 12 months
• Part of the Happy Reward Scheme, earning double points, coupons, and discounts for every purchase at Happy partner stores
• Cash withdrawal up to 30% of the unused card limit
• No commission for all purchases at Points of Sale (POS) and online
• Very favorable minimum monthly payment
• High usage security with Chip and Pin technology
• Free online information for monthly statements and card transactions
• Maximum security through real-time notifications via SMS / Email for every transaction made

For more detailed information, please refer to the Pre-contractual Information document of the Visa Classic Co-Branded Credit Card attached.

Attention! Borrowing costs money.

TiBank Platform

• Web Banking, banking through your personal computer (PC / Mac);
• Mobile Banking, convenience of performing banking operations via your mobile phone.

SMS Notification Package

Through the “SMS Notification” service, Tirana Bank offers all clients with a current account the possibility of receiving message notifications for the following services:

• Credit of salary
• Maturity of insurance policy (property/life)
• Direct debit payments (Oshee, UKT)
• Periodic payment service
• Loan installment payment
• Maturity date of deposits (not automatically renewable)

Mass Payroll Package is offered with a monthly maintenance fee of 300 ALL

Mass Standard Package is offered with a monthly maintenance fee of 380 ALL

Pension Package

Tirana Bank provides for all its customers who receive their pension by ISSH, the “Pension Package’, a combination of products and services designed with more benefits, flexibility and comfort.

Pensioner account offers full access to the funds at any time and performing of any transaction without limit benefiting:

• Free of charge for the account maintenance;
• Free of charge for utility payments;
• Free of charge for “Standing Order” Service;
• Free of charge for “Direct Debit” Service;
• Free of charge for cash withdrawal & deposit;
• Free of charge for account closing.

Debit Card VISA, which is provided, on the spot in every branch when opening a pensioner account, benefiting:

• High daily limit of 75.000 ALL;
• Free of charge for the annual service fee;
• Free of charge for cash withdrawals in Tirana Bank ATM-s;
• Free of charge for POS domestic purchases;
• High security usage with Chip and Contactless technology;
• 3 Years Validity for the first Card and then 5 years;
• Opportunity to change the PIN in Tirana Bank ATMs free of charge.

Digital Platform TiBank – Free of charge

• Web Banking, Banking via your personal computer (PC/Mac)
• Mobile Banking, the convenience of conducting banking operations through your mobile phone.

Investing in Time Deposit:

• Preferential interest rate (+0.2%) for investing of their funds in time deposits in branches or via online Platform TiBank.

Extra Benefits:

• Extra coupons with value of 500 ALL per each reward level, which can be spend as per Pensioner’s needs in the Retailers: SPAR, JUMBO, FGA and NEPTUN;

The pensioner customer can apply for other bank’s products & services such as: Visa Co- Branded Credit Card, Unsecured Loan etc.

Payroll Package

Tirana Bank, provides for all its customers who receive their salary at Tirana Bank, the Payroll Package, a combination of products and services designed with more benefits, flexibility and comfort.

Payroll account offers full access to the funds at any time and performing of any transaction without limit benefiting:

• Preferential interest
• Utility payments and payments to third parties Free of charge
• Free of charge for cash deposits and withdrawals
• Incoming and outgoing transfers

Debit Card VISA which is provided, on the spot in every branch when opening a salary account, benefiting:

• High daily limit of 75.000 ALL
• Free of charge for cash withdrawals in Tirana Bank ATM-s
• Free of charge for POS domestic purchases
• Possibility to connect the card  with accounts in different currencies (ALL & EUR)
• High security usage with Chip and Contactless technology
• 3 Years Validity for the first Card and then 5 years
• Opportunity to change the PIN in Tirana Bank ATMs free of charge

Visa Classic Credit Card: a credit limit that can be used as per your needs and requirements.

• Up to 5,000 EUR Credit Card Limit
• Competitive Interest rate
• Cash withdrawal up to 30 % of the card limit
• Free of charge for POS(Point of Sale) and Online transactions
• Favorable minimum monthly payment
• Chip and Pin technology for enhanced security.
• Free online access to your statement and transactions through “Winbank for cards”.
• Maximized security with a free text message and /or mail notification for every transaction

TiBank Platform – Free of charge

• Web Banking, Banking via your personal computer (PC/Mac)
• Mobile Banking, the convenience of conducting banking operations through your mobile phone.

Overdraft is a cash advance over your salary, available directly into payroll account, with a limit up to 3 (three) net salaries, with benefits:

• No maintanance fee
• No disbursement fee
• Competitive interests applicable only on the amount used within the limit
• Cash withdrawal at the ATM-s 24 hours/7 days, up to the approved limit

Consumer Unsecured Loansfinancing of different consumer needs with:

• Preferential  interest rates for Public Institution Payroll
• Financed limit:
  • Up to 500,000 ALL, tenor 5 years. No Guarantor or Co-borrower needed
  • Up to 1,250,000 ALL for Mass Payroll customers, tenor 7 years. Guarantor or Co-borrower needed
  • Up to 1,875,000 ALL for Affluent Customer, tenor 10 years. Guarantor or Co-borrower needed

Mortgage Loans with Preferential Interest rates & administration fee for:

• Home Purchase/Construction
• Home Improvement

Home Equity with Preferential Interest rates & administration fee

Payroll Package monthly maintenance fee is 125 ALL/ 1 EUR/ 1 USD

Student Package "Success"

Now, the Bank closer to the school!

Tirana Bank now comes closer to the student’ needs, with Student Package “Success”, which offers products and services designed especially for students, with more benefits, comfort and flexibility.

• Student Account
• Debit Card
• Transfers
•TiBank Platform
• Student Loan

“Sukses” Student Package includes the combination of the following Products and Services:

• Student Account

No commission for opening and maintenance of the account
Free of charge for “Cash” Deposit from third parties
“Cash” Deposit with same value date
No commission for Standing Orders
Utility payments Free of charge

• VISA Debit Card

• VISA Classic Credit Card

Additional Credit Card, if the parent has Tirana Bank's Credit Card

• Incoming & Outgoing Transfers

Transfers for Students are offered with 50% discount on standard commissions

• TiBank Platform

- No registration and maintenance commission

- Unlimited access - anywhere, at any time (24/7)

- Practical and Secure - a phone, a computer, a tablet, or a smart phone is enough to safely perform banking operations at any time

- Loan opportunities to support the needs of students for tuition fees or other expenses and needs for this purpose, as well as the opportunity to pay only the interest on the loan for a period of 12 - 48 months and standard instalments after this period.

Free of charge - no subscription fee
Unlimited Access - from anywhere at any time (24x7)
Practical & Secure - Using a phone, a computer, a tablet or even a smart phone, can securely perform transactions at anytime

• Student Loan
Providing financial support to students on tuition fees and other needs & expenses. Student loans have the option of grace period from 12 to 48 months, giving the possibility to pay interests only during this time.

The Student Package will be charged with monthly maintenance fee of 50 ALL.