Raiffeisen Bank Albania

Manage banking digitally with access to services for individuals and businesses, including card applications, credit card monitoring, and payments.

Pay in stores and online, access cash at ATMs, and manage everyday banking through a card linked to your Raiffeisen account.

Pay by card without POS or online commissions, use 0% interest installments, and track your balance and transactions in real time.

Pay without commission and enjoy travel benefits including airport lounge access, roaming data, travel insurance, medical services, and free SmartPay accessories.

Make contactless payments and withdraw cash at contactless ATMs without carrying your main card, using a sticker or payband accessory.

RaiPay helps customers access card PINs, block lost cards, and confirm online card payments through a digital wallet.

Let customers pay by contactless card or digital wallet using an NFC-enabled Android smartphone.

Accept a range of payment methods through one integrated solution that helps businesses improve checkout conversion and simplify transaction management.

Choose a monthly banking package that combines business accounts, cards, payments, and digital banking with terms suited to how your business banks.

Apply online, receive a loan decision in five minutes, and access funds credited to your account within the same day after signing at a branch.

Offers individuals borrowing options for personal needs, including installment financing for electronics purchases through an Express Loan.

Finance a home purchase, with a published fixed-rate offer for self-employed customers.

Explore savings and investment options, including term deposits and Albanian government securities, to support wealth-building goals.

Eligible customers get access to premium banking products, remote assistance, and online communication with bank employees for financial guidance.

Make payments throughout the SEPA area through a faster, more reliable, and standardized service.

Deposit cash at participating ATMs at any time and access the funds immediately, without waiting for bank hours.

Exchange foreign currency through Raiffeisen Bank branches and review the bank’s offered rates for transactions in your banking account.

Provides corporate customers with banking financing options to help manage business liquidity opportunities.

Helps corporate businesses manage liquidity through dedicated banking products.

Gives corporate customers access to Raiffeisen Bank Albania’s trade finance product range.

Gives business customers access to the bank’s sustainable finance offering as part of its development of green financial products and services.

Helps corporate businesses manage liquidity opportunities through a dedicated banking offering.

Gives corporate customers access to POS and e-commerce services.

Raiffeisen ON

Raiffeisen ON is a digital banking platform for individual and business customers. It provides fast and secure banking through digital channels. Customers can apply for certain cards, view credit card balances and transactions in real time, and repay credit card balances. Business customers can make internal payments and process payroll through the platform.

• Bank Digitally Across Customer Types
  Individuals and businesses can access banking services through Raiffeisen ON.
• Monitor Credit Cards In Real Time
  Check credit card balances and transactions in real time through the platform.
• Apply For Cards Digitally
  Submit debit card applications through the platform. Salary deposit customers can also apply for credit cards.
• Repay Credit Cards Online
  Make credit card repayments through the digital platform.
• Make Internal Payments
  Business customers can make internal payments without commission under the listed packages.
• Transfer Payroll Digitally
  Business customers can process payroll without commission under the listed packages.
• Save On Outgoing Payments
  Eligible business package customers receive discounts on outgoing payments. Discount terms vary by package and currency.

Debit cards

Raiffeisen Bank Visa and Mastercard debit cards are linked to a current account and support everyday banking, including contactless payments, domestic and international point-of-sale and online purchases, and ATM cash withdrawals and deposits. Customers can apply through a branch, Raiffeisen ON or the bank’s website. The cards include free 3D Secure protection for eligible online transactions and support RaiPay features for viewing a PIN and blocking a card. Listed zero-commission services include withdrawals at Raiffeisen ATMs, domestic POS and online purchases, card issuance and renewal, and PIN changes at an ATM.

• Access Your Account Funds
  Use a card linked to your Raiffeisen Bank account for everyday payments and cash access.
• Pay Quickly Without Contact
  Tap to pay at contactless terminals. Payments within stated limits can be made without entering a PIN.
• Withdraw And Deposit Cash
  Use supported ATMs to access cash or deposit funds into the linked account.
• Pay Locally, Abroad, And Online
  Make purchases at POS terminals in Albania and abroad, and use the card for online transactions.
• Avoid Commission On Listed Services
  Pay no commission for the specific withdrawals, purchases, issuance, renewal and PIN-change services listed by the bank.
• Protect Eligible Online Payments
  Add a layer of protection when paying online at participating merchants. The service is free and payment confirmation is handled through RaiPay.
• View Your PIN And Block Your Card
  Check your card PIN in RaiPay and block a lost card through the app.
• Apply Through Your Preferred Channel
  Start an application through a branch, Raiffeisen ON or the bank’s website.
• Pay And Withdraw Without Your Main Card
  Use a SmartPay sticker or payband for contactless payments and cash withdrawals at contactless ATMs.
• Adjust Your Limit Temporarily
  Request a temporary change to your debit-card usage limit at a Raiffeisen Bank branch.
• Earn Cashback On Eligible Purchases
  Register an eligible Mastercard debit card for cashback on qualifying Tuesday purchases in Albania during the 2026 campaign, subject to the monthly cap and campaign terms.
• Choose A Distinctive Card Design
  Select the Mastercard Touch Card, presented by the bank as a debit card with a unique design.

Mastercard Standard Credit Card

Raiffeisen Bank Albania’s Mastercard Standard Credit Card offers 0% commission on POS and online payments, installment payments at 0% interest, and up to 45 days of grace period. Cardholders can use SmartPay accessories, request up to three supplementary credit cards, and view their balance and transactions in real time through Raiffeisen ON. Applications are subject to eligibility criteria and the Bank’s assessment.

• Make POS And Online Payments Without Commission
  Pay at points of sale and online with 0% commission.
• Pay In Installments At 0% Interest
  Choose installment payments at 0% interest.
• Access Up To 45 Days Of Grace
  The card provides up to 45 days of grace; further terms are not specified.
• Check Balances And Transactions In Real Time
  Use Raiffeisen ON to monitor the card balance and transactions in real time.
• Pay Contactlessly At Supported POS Terminals
  Tap the card at a contactless POS terminal, subject to stated no-PIN limits and PIN requirements.
• Confirm Online Payments With 3D Secure
  Confirm online payment authorization with a unique six-digit code sent by SMS to the registered mobile number.
• Add Up To Three Supplementary Cards
  Request up to three supplementary credit cards in addition to the primary card.
• Use SmartPay Accessories For Contactless Transactions
  Use a sticker card or payband for contactless payments and cash withdrawals at contactless ATMs.
• Withdraw Cash Up To The Card Limit
  The stated usage limit allows up to 100% of the credit limit to be used for ATM cash withdrawals.

Mastercard World Credit Card

The Mastercard World Credit Card from Raiffeisen Bank Albania supports POS and online purchases with 0% commission in ALL and EUR, along with contactless payments. Cardholders can access airport lounges through LoungeKey, receive a free Flexiroam roaming package, and benefit from travel insurance when they pay for their flight ticket with the card. Other benefits include Teleshendet medical services, free SmartPay accessories, and up to three supplementary credit cards at half price. Applications can be started online, with final documents signed at a branch.

• Access Airport Lounges Worldwide
  Use LoungeKey for airport lounge access, with complimentary visits and preferential rates described in the card and travel program information.
• Avoid Commissions On Purchases
  Make POS and online purchases in ALL or EUR with 0% commission.
• Get Travel Insurance When Flying
  Pay for a flight ticket with the card to receive the described free travel insurance for specified life, baggage and travel-delay events.
• Use Free Data While Traveling
  Use the included 5 x 1GB, three-day roaming package abroad through Flexiroam.
• Access Medical Support 24/7
  Use Teleshendet for round-the-clock doctor communication, online prescriptions and an online medical card after activating the service.
• Pay Contactlessly With Free Accessories
  Use included SmartPay accessories to make contactless payments or withdraw cash at contactless ATMs.
• Make Fast Contactless Payments
  Tap the card to make contactless POS payments, subject to stated no-PIN limits and PIN requirements.
• Confirm Online Purchases Securely
  Use 3D Secure and a unique six-digit authorization code sent to the registered mobile number.
• Add Up To Three Cards
  Request up to three supplementary credit cards at half price.
• Monitor Balances And Transactions
  Check the credit card balance and transactions in real time through Raiffeisen ON.
• Choose A Repayment Channel
  Repay through Raiffeisen ON, an ATM cash deposit or a bank branch; the stated minimum monthly repayment starts at 5% of the total amount spent.
• Start Your Application Online
  Begin online, then visit a branch to sign final documents, personalize and receive the card.

SmartPay

SmartPay is a range of contactless payment accessories from Raiffeisen Bank Albania. Available as a sticker card or payband card, the accessories let customers make contactless payments and withdraw cash at contactless ATMs without carrying their main card. SmartPay accessories are free for Mastercard World credit cardholders.

• Pay Contactlessly Without Your Main Card
  Use a SmartPay sticker or payband to make contactless purchases without carrying your main card.
• Withdraw Cash At Contactless ATMs
  Access cash at contactless ATMs with a SmartPay accessory.
• Choose A Sticker Or Payband
  Choose between a sticker card or a payband card.
• Get SmartPay Accessories Free
  Mastercard World credit cardholders are listed as eligible for free SmartPay accessories.

RaiPay

RaiPay is a digital wallet that lets customers view the PINs of Raiffeisen cards issued in their name, block a lost card in the app, and confirm online card payments through 3D Secure.

• Block Lost Cards In The App
  Immediately block a lost card through RaiPay.
• View Card PINs In The App
  Check Raiffeisen card PINs in RaiPay 24 hours after applying and view them again at any time.
• Confirm Online Card Payments
  Confirm online payments with registered debit and credit cards through RaiPay as part of the bank’s 3D Secure process.

RaiPOS

RaiPOS is an application for Android smartphones that helps businesses offer customers card and digital wallet payments. Businesses can accept contactless payments using a smartphone equipped with an NFC reader.

• Accept Contactless Card Payments
  Offer contactless card payments through an NFC-enabled smartphone.
• Use An Android Smartphone
  Use the RaiPOS app on an Android smartphone with an NFC reader instead of a separate POS device.
• Accept Digital Wallet Payments
  Let customers pay with a digital wallet using an NFC-enabled smartphone.

Raiaccept

Raiaccept is a cloud-native payment gateway that gives businesses a single solution for payment processing. It accepts most known payment methods and can be integrated in a few steps. The solution is designed to improve transaction performance and checkout conversion, enhance customer experience, and simplify transaction management.

• Unify Payment Processing
  Use one payment solution rather than separate payment processing solutions.
• Accept Multiple Payment Methods
  Let customers pay using most known payment methods accepted by the gateway.
• Increase Checkout Conversion
  Use the payment solution to support higher checkout conversion.
• Integrate In A Few Steps
  Set up the solution through an integration process described as requiring only a few steps.
• Improve Transaction Performance
  Use the payment solution to support improved transaction performance, as described by the bank.
• Improve Customer Experience
  Support an improved customer experience through Raiaccept.
• Simplify Transaction Management
  Make transaction management simpler using the payment solution.
• Use A Cloud-Native Gateway
  Use a payment gateway described by the bank as cloud-native.

SME banking packages

Raiffeisen Bank offers three monthly packages for small businesses, available to new and existing customers. Basic is designed for new banking customers, self-employed people, traders and new companies. Digi suits customers who prefer digital banking, while Premium serves customers who use digital channels and/or branches. Package terms combine business accounts, debit cards, Raiffeisen ON, payment and payroll services and, in higher tiers, POS and QR payment terms and preferential loan or overdraft conditions. Eligible individuals and LLCs with an individual beneficial owner can apply to open a business account online.

• Cover Essential Business Banking For 350 Lek Monthly
  Get a LEK current account and Mastercard debit card, Raiffeisen ON, internal payments and payroll under the package terms. Branch cash withdrawals are commission-free up to EUR 5,000.
• Bank Digitally With Multi-Currency Accounts And Discounts
  Use accounts in three currencies and Raiffeisen ON for business banking, with listed payment discounts and POS, QR code, loan and overdraft terms. The package costs 550 Lek per month.
• Access All-Currency Accounts And Preferential Banking Terms
  Combine accounts in all currencies with digital and branch banking, payment discounts, preferential loan or overdraft conditions, and commission-free branch cash withdrawals up to EUR 20,000. The package costs 1,250 Lek per month.
• Choose Accounts In Multiple Currencies
  Select account currency options according to the package: LEK with Basic, LEK, EUR and GBP with Digi, or all currencies with Premium.
• Open A Business Account Online
  Eligible business owners can apply to open a business account online.
• Use Raiffeisen ON Without A Monthly Fee
  Each listed package includes Raiffeisen ON with no monthly fee for digital business banking.
• Make Internal Payments For Free
  Make internal payments through Raiffeisen ON without a payment fee under each listed package.
• Save On Outgoing Digital Payments
  Eligible Digi and Premium customers receive the stated discounts on outgoing payments through Raiffeisen ON.
• Manage Payroll Without A Package Fee
  Each listed business package includes payroll free of charge.
• Access Preferential Branch Transaction Terms
  Premium customers receive specified branch transaction pricing and discounts on outgoing branch payments, plus commission-free withdrawals up to EUR 20,000.

SME loans

Raiffeisen Bank Albania offers SME customers an online loan application. Customers can attach up to four documents and receive the bank’s decision in five minutes. The contract is signed at a branch with assistance from a dedicated account manager, and funds are credited to the customer’s account within the same day.

Category: Business Loans

• Receive A Decision In Five Minutes
  Get the bank’s loan decision in five minutes, according to the product information.
• Apply For A Loan Online
  Submit a loan application online and attach up to four documents.
• Receive Funds The Same Day
  After signing at the branch, funds are credited to your account within the same day, as stated by the bank.
• Sign With Dedicated Branch Support
  Complete contract signing at a branch with assistance from a dedicated account manager.

Personal loans

Raiffeisen Bank Albania lists personal loans among its individual banking services, including a personal-loan option for Premium customers. The supplied pages do not provide full terms for the personal-loan range. The bank also promotes an Express Loan for retail purchases at Neptun, with installment financing up to 500,000 ALL and applications made with an ID.

• Spread Payments Across Up To 60 Months
  Finance eligible Neptun electronics purchases through installments over up to 60 months, with the offer advertising 0% interest.
• Avoid Commission On Installment Financing
  The advertised Express Loan terms specify 0% commission for Neptun retail financing.
• Borrow Up To ALL 500,000
  Apply for up to 500,000 ALL through the Neptun Express Loan offer.
• Apply With An ID
  Apply for Express Loan retail financing with an ID.
• Contact The Bank About Past-Due Payments
  Contact the bank by phone at 00355 4 2274 566 or email collection.notifier@raiffeisen.al about past-due personal or home loan payments.

Home Loans

Raiffeisen Bank Albania home loans provide financing for purchasing a home. A published offer for self-employed individuals features a fixed 4% interest rate for the first 10 years, with an APR of 4.02%. The offer is valid until December 31, 2026; after the fixed-rate period, standard rates apply according to the customer segment. Customers can inquire about or apply for a mortgage at a Raiffeisen branch.

• Finance A Home Purchase
  Use home-loan financing to support the purchase of a home.
• Access A Fixed-Rate Period
  The offer sets a fixed 4% interest rate for the first 10 years and an APR of 4.02%. It is valid until December 31, 2026; standard segment rates apply afterward.
• Apply For A Mortgage In Branch
  Visit a Raiffeisen Bank branch to inquire about or apply for a mortgage.

Savings and investments

Raiffeisen Bank Albania offers savings and investment options for individual customers, including term deposits and fixed-income investments in Treasury bills and bonds issued by the Albanian Government.

• Invest In Government Securities
  Invest in Albanian Government-issued Treasury bills and bonds through the bank’s fixed-income offering.
• Build Wealth With Term Deposits
  Choose a term deposit as an option for building wealth. Rates, terms and other conditions are not specified.

Premium Banking

Premium Banking is available free of charge to customers who have savings or investments of at least EUR 50,000 (or the equivalent in ALL), or monthly income of at least EUR 600 (or the equivalent in ALL) credited to Raiffeisen Bank. It provides access to premium banking products and services, including cards, savings and investment options, loans, home financing, bill payments and remote assistance. Through RaiConnect, customers can communicate securely with bank employees, exchange documents, make video calls and appointments, share their screen, and receive advice about financial plans and investments.

• Qualify For Premium Banking
  Customers who meet either stated savings or monthly income threshold can access Premium Banking free of charge.
• Connect With Bank Staff Online
  Communicate interactively with bank employees online through conversations, document exchange, video calls or appointments, and screen sharing.
• Access Premium Banking Products
  Choose premium banking options for cards, savings and investing, borrowing, home financing and payments.
• Reach Bank Support Remotely
  A separate call line gives Premium customers a remote way to access bank services.
• Get Financial And Investment Advice
  Discuss financial plans and investments with the bank through RaiConnect.

SEPA payments and transfers

A service for making payments throughout the SEPA area using a faster, more reliable and standardized method.

• Make Payments Across The SEPA Area
  Make payments throughout the SEPA area using this service.
• Make Payments Faster
  Use a service described by the bank as faster for payments throughout the SEPA area.
• Make Payments More Reliably
  Use a service described by the bank as more reliable for payments throughout the SEPA area.
• Use A Standardized Payment Method
  Make payments throughout the SEPA area using the service’s standardized method.

ATM cash deposit

Raiffeisen Bank Albania’s ATM cash deposit service lets customers deposit cash to an account using a Raiffeisen-issued debit or credit card at one of 103 ATMs with deposit functionality. Deposits can be made 24/7, and funds are available immediately. Customers can deposit in ALL or EUR according to the currency of the linked account. The service also allows credit card repayments, subject to stated timing requirements.

• Access Deposited Funds Immediately
  Use deposited funds as soon as the transaction is completed.
• Deposit Cash At Any Time
  Make deposits beyond official bank hours using an ATM with the money deposit function.
• Use 103 Deposit-Enabled ATMs
  Access cash deposits through the bank’s network of 103 deposit-enabled ATMs.
• Identify Yourself By Card And PIN
  Start a deposit by inserting or tapping a card and entering the PIN.
• Deposit In ALL Or EUR
  Deposit in ALL or EUR at an ATM that supports the relevant currency, matching the linked account’s currency.
• Deposit Within Daily, Weekly, And Monthly Limits
  Make deposits within the published individual-customer daily, weekly and monthly limits.
• Repay Credit Card Obligations By Deposit
  Use an ATM cash deposit to repay credit card obligations, observing the stated payment timing requirements.
• Deposit Supported Banknotes
  Deposit supported ALL or EUR banknotes in groups of up to 50; notes identified or suspected as counterfeit are retained for investigation.

Currency exchange

Raiffeisen Bank offers foreign currency exchange for customers’ banking accounts at its branches in Albania. Customers can review the bank’s offered exchange rates online.

• Exchange Currency At Bank Branches
  Exchange foreign currency for banking accounts at Raiffeisen Bank branches.
• Review The Bank’s Offered Rates
  Consult the bank’s exchange-rate information when considering a foreign currency exchange.

Corporate loans

Corporate loans are listed among Raiffeisen Bank Albania’s banking products and services for corporate customers. The bank describes its corporate offerings as providing businesses with ways to manage liquidity opportunities through banking products. Specific loan terms and financing details are not provided.

Category: Business Loans

• Manage Business Liquidity
  Access corporate banking products intended to help businesses manage liquidity opportunities.

Corporate Cash Management

Raiffeisen Bank Albania’s cash management products are part of its corporate banking offering. The bank describes its corporate products and services as providing businesses with ways to manage liquidity through dedicated banking products.

• Manage Business Liquidity
  Use dedicated corporate banking products to manage business liquidity.

Trade Finance Products

Trade Finance Products is part of Raiffeisen Bank Albania’s corporate banking range. The website lists it among the bank’s products and services for corporate customers but does not provide further details about the individual products.

Sustainable finance

Sustainable finance is listed among Raiffeisen Bank Albania’s financing products for corporate customers. The bank describes developing green financial products and services as part of its responsible banking approach.

• Explore Sustainable Financing
  Business customers can explore the bank’s sustainable finance offering.
• Support Green Finance Development
  The offering forms part of the bank’s stated approach to responsible banking through green financial product and service development.

Structured financing

Structured financing is listed among Raiffeisen Bank Albania’s corporate banking products and services. The bank describes its corporate offering as providing businesses with ways to manage liquidity opportunities through dedicated banking products.

• Manage Business Liquidity
  Use this corporate banking offering to manage business liquidity opportunities.

Corporate POS and e-commerce services

Raiffeisen Bank Albania lists POS and e-commerce services among its products for corporate customers. The supplied content does not provide further details about the service.

Business cards

Business cards are listed among Raiffeisen Bank Albania’s corporate products and services. The available content does not provide further product details.