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Payroll Package

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 Electron Chip & Contactless 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)
  • 300 ALL card issuing fee
  • 300 ALL Service fee (annual fee)
  • 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
  • 1,500 ALL Annual Fee
  • Competitive Interest rate of 18 %, applicable only on the Credit used Limitand 12% for Credit Card secured with Cash Collateral
  • Cash withdrawal up to 30 % of the card limit
  • Free of charge for POS(Point of Sale) and Online transactions
  • Minimum monthly payment of only 7 % of Credit Card outstanding balance
  • 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
  • Option to pay for your purchases in installments through “My Way” service


Winbank Platform – Free of charge

  • Web Banking, Bank through your personal computer (PC / Mac)
  • Mobile Banking, comfort in performing the bank transactions via your mobile phone
  • Phone Banking, Bank through telephone at any time 24/7! With a call direct contact with an agent to perform all your transactions


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

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