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Advantage Deposit

“Advantage” Deposit is a bundle of four products that is offered to Retail Customers on the spot:

  • Time Deposit combined with overdraft facility (using the deposit as cash collateral guarantee)
  • Debit Card
  • winbank

Customers benefits:

Liquidity for their deposit, having comfort to use funds at any time for different needs
Usage of OD at any time through cash/transfers or 24/7 through debit card in ATM-s
Facility for performing transactions through Winbank 24/7
Opportunity to maintain the deposit balances having the possibility to close (totally/partially) the overdraft with new money, at any time, without commission

“Advantage Deposit” main features:

Time Deposit:

Currencies: ALL, EUR, USD
Tenor: 6m, 12m, 25m
Deposit Minimum Amount: ALL 50,000, Euro 500, USD 500
Interest Rate: Please refer to the Interest Rates for Deposits and Accounts


Currencies: ALL, EUR, USD (same CCY with TD one)
Tenor: 6m, 12m, 25m (same tenor with TD one)
Amount: 80% of TD amount (max 50.000 Euro/USD; 7.000.000 LEK)
Interest Rate: Time Deposit Interest Rate + 2%

The pledge deposit will be registered at the Securing Charges Registry (RBS) any time that:

  • Loan amount is ≥ 20,000 EUR (eqv. In LEK, USD)
  • When borrower is Owner/Administrator of a private business or a licensed Physical Person regardless of the loan amount.

Customer bears the cost of registration in RBS. 

* Deposits in Tirana Bank SHA are insured by the Deposit Insurance Agency ( according to the law no. 53/2014 "On Deposit Insurance", up to the amount 2.500.000 or the equivalent amount in foreign currency

Notice from Tirana Bank
Dear customer, Hereby inform you that Tirana Bank has updated its document “Terms & Conditions – Business” under item Outgoing Transfer locally in ALL, due to latest updates of BOA on two regulations, respectively AECH and AIPS, and BOA’s instructions. You are kindly i...
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Tirana Bank will explore and utilize the development opportunities of local market, with a dynamic but prudential approach, in terms of expanding credit portfolio for the domestic economy, with a balanced reference to individuals and business segment....
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