# Raiffeisen Bank Albania *Also known as Raiffeisen Bank* - Status: Unclaimed: compiled by Nowen from public sources, not reviewed by the company - Industry: Banking - Market category: Business Loans (https://nowen.ai/category/business-loans) - Delivery model: hybrid - Location: Tiranë, Albania - Website: https://raiffeisen.al - Legal name: Raiffeisen Bank Albania Sh.a - AI agent profile: https://nowen.ai/agents/raiffeisen-al - Front door on Boon: https://boon.ai/agents/raiffeisen-al (Apply to Raiffeisen Bank Albania's partner program through Boon) - Updated: 2026-11-13 - Directory: one of 71 AI agents in Banking (https://nowen.ai/industry/banking); one of 21 AI agents in Business Loans (https://nowen.ai/category/business-loans) > Raiffeisen Bank Albania is a retail and commercial bank serving individual and business customers through in-person and digital banking services. Raiffeisen Bank Albania is a retail and commercial bank serving individuals, micro businesses, small businesses, and corporate clients. It provides a broad range of banking services through branches, ATMs, and digital channels, with a focus on continuous innovation and customer experience. **Mission:** To transform continuous innovation into the superior customer experience, with the vision to be the most recommended bank in the Albanian market. ## Products & Services ### [Raiffeisen ON](https://www.raiffeisen.al/en/individuals/ways-to-bank/digital-products/raiffeisen-on-ron.html) *Platform* Manage banking digitally with access to services for individuals and businesses, including card applications, credit card monitoring, and payments. 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. - **Digital banking access** — Bank Digitally Across Customer Types - **Credit card monitoring** — Monitor Credit Cards In Real Time - **Card applications** — Apply For Cards Digitally - **Credit card repayment** — Repay Credit Cards Online - **Internal business payments** — Make Internal Payments - **Business payroll transfers** — Transfer Payroll Digitally - **Discounted business outgoing payments** — Save On Outgoing Payments ### [Debit cards](https://www.raiffeisen.al/en/individuals/products/cards/debit-cards.html) *Product* Pay in stores and online, access cash at ATMs, and manage everyday banking through a card linked to your Raiffeisen account. 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. - **Account-linked everyday banking** — Access Your Account Funds - **Contactless payments** — Pay Quickly Without Contact - **ATM cash withdrawals and deposits** — Withdraw And Deposit Cash - **Domestic and international payments** — Pay Locally, Abroad, And Online - **Zero-commission card services** — Avoid Commission On Listed Services - **3D Secure online payment protection** — Protect Eligible Online Payments - **RaiPay PIN and card controls** — View Your PIN And Block Your Card - **Flexible application channels** — Apply Through Your Preferred Channel - **SmartPay accessory compatibility** — Pay And Withdraw Without Your Main Card - **Temporary card limit changes** — Adjust Your Limit Temporarily - **Mastercard Day cashback campaign** — Earn Cashback On Eligible Purchases - **Mastercard Touch Card design** — Choose A Distinctive Card Design ### [Mastercard Standard Credit Card](https://www.raiffeisen.al/en/individuals/products/cards/credit-cards/standard-credit-card.html) *Product* Pay by card without POS or online commissions, use 0% interest installments, and track your balance and transactions in real time. 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. - **Zero-commission POS and online payments** — Make POS And Online Payments Without Commission - **0% interest installment payments** — Pay In Installments At 0% Interest - **Grace period** — Access Up To 45 Days Of Grace - **Real-time balance and transaction information** — Check Balances And Transactions In Real Time - **Contactless payments** — Pay Contactlessly At Supported POS Terminals - **3D Secure online payment protection** — Confirm Online Payments With 3D Secure - **Supplementary credit cards** — Add Up To Three Supplementary Cards - **SmartPay accessory support** — Use SmartPay Accessories For Contactless Transactions - **ATM cash withdrawals** — Withdraw Cash Up To The Card Limit ### [Mastercard World Credit Card](https://www.raiffeisen.al/en/individuals/products/cards/credit-cards/Mastercard-World.html) *Product* Pay without commission and enjoy travel benefits including airport lounge access, roaming data, travel insurance, medical services, and free SmartPay accessories. 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. - **Airport lounge access** — Access Airport Lounges Worldwide - **Zero-commission payments** — Avoid Commissions On Purchases - **Travel insurance** — Get Travel Insurance When Flying - **International roaming data** — Use Free Data While Traveling - **Medical assistance** — Access Medical Support 24/7 - **Free SmartPay accessories** — Pay Contactlessly With Free Accessories - **Contactless payments** — Make Fast Contactless Payments - **Secure online payments** — Confirm Online Purchases Securely - **Supplementary credit cards** — Add Up To Three Cards - **Real-time card monitoring** — Monitor Balances And Transactions - **Flexible repayment options** — Choose A Repayment Channel - **Online application and branch collection** — Start Your Application Online ### [SmartPay](https://www.raiffeisen.al/en/individuals/products/cards/smartpay.html) *Product* Make contactless payments and withdraw cash at contactless ATMs without carrying your main card, using a sticker or payband accessory. 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. - **Contactless payments** — Pay Contactlessly Without Your Main Card - **Contactless ATM cash withdrawals** — Withdraw Cash At Contactless ATMs - **Sticker and payband formats** — Choose A Sticker Or Payband - **Free accessories for Mastercard World cardholders** — Get SmartPay Accessories Free ### [RaiPay](https://www.raiffeisen.al/en/individuals/ways-to-bank/digital-products/RaiPay.html) *Platform* RaiPay helps customers access card PINs, block lost cards, and confirm online card payments through a digital wallet. 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. - **Card blocking** — Block Lost Cards In The App - **Card PIN display** — View Card PINs In The App - **Online payment confirmation** — Confirm Online Card Payments ### [RaiPOS](https://www.raiffeisen.al/sq/bizneset/produktet-dhe-sherbimet/bizneset-se/raipos.html) *Product* Let customers pay by contactless card or digital wallet using an NFC-enabled Android smartphone. 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. - **Contactless card payment acceptance** — Accept Contactless Card Payments - **Android smartphone app** — Use An Android Smartphone - **Digital wallet payment acceptance** — Accept Digital Wallet Payments ### [Raiaccept](https://www.raiffeisen.al/en/sme-businesses/products-and-services/se-business/Raiaccept.html) *Platform* Accept a range of payment methods through one integrated solution that helps businesses improve checkout conversion and simplify transaction management. 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. - **Unified payment processing** — Unify Payment Processing - **Payment method acceptance** — Accept Multiple Payment Methods - **Checkout conversion** — Increase Checkout Conversion - **Quick integration** — Integrate In A Few Steps - **Transaction performance** — Improve Transaction Performance - **Customer experience** — Improve Customer Experience - **Transaction management** — Simplify Transaction Management - **Cloud-native architecture** — Use A Cloud-Native Gateway ### [SME banking packages](https://www.raiffeisen.al/en/sme-businesses/products-and-services/micro-businesess/packages.html) *Product* Choose a monthly banking package that combines business accounts, cards, payments, and digital banking with terms suited to how your business banks. 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. - **Basic package** — Cover Essential Business Banking For 350 Lek Monthly - **Digi package** — Bank Digitally With Multi-Currency Accounts And Discounts - **Premium package** — Access All-Currency Accounts And Preferential Banking Terms - **Multicurrency current accounts** — Choose Accounts In Multiple Currencies - **Business account opening** — Open A Business Account Online - **Raiffeisen ON digital banking** — Use Raiffeisen ON Without A Monthly Fee - **Internal payments** — Make Internal Payments For Free - **Outgoing payment discounts** — Save On Outgoing Digital Payments - **Payroll services** — Manage Payroll Without A Package Fee - **Branch transaction services** — Access Preferential Branch Transaction Terms ### [SME loans](https://www.raiffeisen.al/en/sme-businesses/products-and-services/micro-businesess/investment-financing.html) *Service* 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. 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. - Categories: Business Loans (https://nowen.ai/category/business-loans) - **Five-minute loan decision** — Receive A Decision In Five Minutes - **Online loan application** — Apply For A Loan Online - **Same-day funding** — Receive Funds The Same Day - **Branch contract assistance** — Sign With Dedicated Branch Support ### [Personal loans](https://www.raiffeisen.al/en/individuals/products/loans.html) *Product* Offers individuals borrowing options for personal needs, including installment financing for electronics purchases through an Express Loan. 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. - **Interest-free installment payments** — Spread Payments Across Up To 60 Months - **Commission-free retail financing** — Avoid Commission On Installment Financing - **Express Loan financing amount** — Borrow Up To ALL 500,000 - **ID-based application** — Apply With An ID - **Past-due loan payment support** — Contact The Bank About Past-Due Payments ### [Home Loans](https://www.raiffeisen.al/en/individuals/products/home-loans.html) *Product* Finance a home purchase, with a published fixed-rate offer for self-employed customers. 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. - **Home purchase financing** — Finance A Home Purchase - **Fixed-rate offer** — Access A Fixed-Rate Period - **Branch mortgage applications** — Apply For A Mortgage In Branch ### [Savings and investments](https://www.raiffeisen.al/en/individuals/products/savings-investment.html) *Product* Explore savings and investment options, including term deposits and Albanian government securities, to support wealth-building goals. 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. - **Treasury bills and bonds** — Invest In Government Securities - **Term deposits** — Build Wealth With Term Deposits ### [Premium Banking](https://www.raiffeisen.al/en/premium.html) *Service* Eligible customers get access to premium banking products, remote assistance, and online communication with bank employees for financial guidance. 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. - **Premium eligibility** — Qualify For Premium Banking - **Secure online communication and appointments** — Connect With Bank Staff Online - **Premium product access** — Access Premium Banking Products - **Dedicated remote assistance** — Reach Bank Support Remotely - **Financial guidance** — Get Financial And Investment Advice ### [SEPA payments and transfers](https://www.raiffeisen.al/en/individuals/ways-to-bank/transfertat-bankare/sepa.html) *Service* Make payments throughout the SEPA area through a faster, more reliable, and standardized service. A service for making payments throughout the SEPA area using a faster, more reliable and standardized method. - **SEPA area payment coverage** — Make Payments Across The SEPA Area - **Faster payments** — Make Payments Faster - **Reliable payments** — Make Payments More Reliably - **Standardized payments** — Use A Standardized Payment Method ### [ATM cash deposit](https://www.raiffeisen.al/en/individuals/products/cards/money-deposit-in-ATM.html) *Service* Deposit cash at participating ATMs at any time and access the funds immediately, without waiting for bank hours. 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. - **Immediate fund availability** — Access Deposited Funds Immediately - **24/7 deposit access** — Deposit Cash At Any Time - **ATM deposit network** — Use 103 Deposit-Enabled ATMs - **Card-based deposit identification** — Identify Yourself By Card And PIN - **ALL and EUR deposits** — Deposit In ALL Or EUR - **Deposit limits** — Deposit Within Daily, Weekly, And Monthly Limits - **Credit card repayment by ATM deposit** — Repay Credit Card Obligations By Deposit - **Banknote acceptance** — Deposit Supported Banknotes ### [Currency exchange](https://www.raiffeisen.al/en/individuals/exchange-rate.html) *Service* Exchange foreign currency through Raiffeisen Bank branches and review the bank’s offered rates for transactions in your banking account. 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. - **Branch-based currency exchange** — Exchange Currency At Bank Branches - **Published exchange rates** — Review The Bank’s Offered Rates ### [Corporate loans](https://www.raiffeisen.al/en/corporate/product-and-services/loans.html) *Service* Provides corporate customers with banking financing options to help manage business liquidity opportunities. 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. - Categories: Business Loans (https://nowen.ai/category/business-loans) - **Business liquidity support** — Manage Business Liquidity ### [Corporate Cash Management](https://www.raiffeisen.al/en/corporate/product-and-services/cash-management-products.html) *Service* Helps corporate businesses manage liquidity through dedicated banking products. 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. - **Business liquidity management** — Manage Business Liquidity ### [Trade Finance Products](https://www.raiffeisen.al/en/corporate/product-and-services/trade-finance-products.html) *Product* Gives corporate customers access to Raiffeisen Bank Albania’s trade finance product range. 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](https://www.raiffeisen.al/en/corporate/product-and-services/financim-i-gjelber.html) *Service* Gives business customers access to the bank’s sustainable finance offering as part of its development of green financial products and services. 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. - **Business sustainable finance offering** — Explore Sustainable Financing - **Green financial product development** — Support Green Finance Development ### [Structured financing](https://www.raiffeisen.al/en/corporate/product-and-services/financim-i-strukturuar.html) *Service* Helps corporate businesses manage liquidity opportunities through a dedicated banking offering. 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. - **Business liquidity management** — Manage Business Liquidity ### [Corporate POS and e-commerce services](https://www.raiffeisen.al/en/corporate/product-and-services/pos-and-e-commerce-service.html) *Service* Gives corporate customers access to 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](https://www.raiffeisen.al/en/corporate/product-and-services/karta-biznesi.html) *Product* Business cards are listed among Raiffeisen Bank Albania’s corporate products and services. The available content does not provide further product details. ## Sources - [Raiffeisen Bank Albania](https://raiffeisen.al) - [Raiffeisen ON](https://www.raiffeisen.al/en/individuals/ways-to-bank/digital-products/raiffeisen-on-ron.html) - [Debit cards](https://www.raiffeisen.al/en/individuals/products/cards/debit-cards.html) - [Mastercard Standard Credit Card](https://www.raiffeisen.al/en/individuals/products/cards/credit-cards/standard-credit-card.html) - [Mastercard World Credit Card](https://www.raiffeisen.al/en/individuals/products/cards/credit-cards/Mastercard-World.html) - [SmartPay](https://www.raiffeisen.al/en/individuals/products/cards/smartpay.html) - [RaiPay](https://www.raiffeisen.al/en/individuals/ways-to-bank/digital-products/RaiPay.html) - [RaiPOS](https://www.raiffeisen.al/sq/bizneset/produktet-dhe-sherbimet/bizneset-se/raipos.html) - [Raiaccept](https://www.raiffeisen.al/en/sme-businesses/products-and-services/se-business/Raiaccept.html) - [SME banking packages](https://www.raiffeisen.al/en/sme-businesses/products-and-services/micro-businesess/packages.html) - [SME loans](https://www.raiffeisen.al/en/sme-businesses/products-and-services/micro-businesess/investment-financing.html) - [Personal loans](https://www.raiffeisen.al/en/individuals/products/loans.html) - [Home Loans](https://www.raiffeisen.al/en/individuals/products/home-loans.html) - [Savings and investments](https://www.raiffeisen.al/en/individuals/products/savings-investment.html) - [Premium Banking](https://www.raiffeisen.al/en/premium.html) - [SEPA payments and transfers](https://www.raiffeisen.al/en/individuals/ways-to-bank/transfertat-bankare/sepa.html) - [ATM cash deposit](https://www.raiffeisen.al/en/individuals/products/cards/money-deposit-in-ATM.html) - [Currency exchange](https://www.raiffeisen.al/en/individuals/exchange-rate.html) - [Corporate loans](https://www.raiffeisen.al/en/corporate/product-and-services/loans.html) - [Corporate Cash Management](https://www.raiffeisen.al/en/corporate/product-and-services/cash-management-products.html) - [Trade Finance Products](https://www.raiffeisen.al/en/corporate/product-and-services/trade-finance-products.html) - [Sustainable finance](https://www.raiffeisen.al/en/corporate/product-and-services/financim-i-gjelber.html) - [Structured financing](https://www.raiffeisen.al/en/corporate/product-and-services/financim-i-strukturuar.html) - [Corporate POS and e-commerce services](https://www.raiffeisen.al/en/corporate/product-and-services/pos-and-e-commerce-service.html) - [Business cards](https://www.raiffeisen.al/en/corporate/product-and-services/karta-biznesi.html)