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American Bank of Investments

Licensed institution listed by the Bank of Albania. Product verification is separate from licensing. Directory source ↗
Bank website

7 selected products, grouped by category. Open a product to see terms and official sources.

Personal loans

American Bank of Investments

Personal Loan

Source checked

Personal borrowing supported by salary, rental or self-employment income.

Published APR
ALL
Not confirmed
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Maximum termALL: 84 months EUR: 84 monthsDepending on amount and option
Maximum amountALL: ALL 2,000,000 EUR: UnconfirmedSubject to bank approval

Nominal interest by currency

Salary at the lending bank
Salary conditions

The fee varies by income source: 1% salary, 2% other income. This does not establish an interest discount for transferring salary to ABI.

What does salary transfer mean?

For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.

Bank’s salary conditions ↗
ALL · Lekë
Unsecured loanBTH 12M + 7.5%, min 9%Variable rate

Published option; confirm the amount, term and profile with the bank.

EUR · Euro
Unsecured loanEuribor 12M + 8%, min 8%Variable rate

Published option; confirm the amount, term and profile with the bank.

Rates, conditions & eligibility →

Who can apply? Verifiable salary, rental income or self-employed professional income; ID and income evidence required.

No collateral6 months–7 years

Current APR was not confirmed. The 2022 example is excluded from current pricing; nominal formulas come from the rate sheet effective 20 July 2026.

Request a quote from the bank

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →

Home loans

American Bank of Investments

Home loan (mortgage)

Source checked

Buy, build, renovate or refinance a home, secured by property and supported by documented income.

Published APR
ALL
5.21%
EUR
4.60%
Bank examplesExamples & conditions →
Maximum termALL: 360 months EUR: 360 monthsDepending on amount and option
Maximum amountALL: Unconfirmed EUR: EUR 1,000,000Subject to bank approval
Interest and conditions

Nominal interest by currency

Salary at the lending bank
Salary conditions

These rates distinguish income source (salary/rent/business). That does not establish a discount for transferring salary to this bank. Request a separate quote for that condition.

What does salary transfer mean?

For an offer conditional on salary transfer, salary must be credited to an account at the lending bank; simply having an account there is not the same. Ask how long you must keep your salary there and what account or package fees apply. The bank confirms eligibility.

Bank’s salary conditions ↗
ALL · Lekë
Salary or rental incomeBTH 12M + 1.5%, min 2.5%Variable rate in year one

Then: BTH 12M + 2%, min 2.5%

Published option; confirm the amount, term and profile with the bank.

See all 4 rate options →
EUR · Euro
Salary or rental incomeEuribor 12M + 2.5%, min 4%Variable rate in year one

Then: Euribor 12M + 3%, min 4%

Published option; confirm the amount, term and profile with the bank.

See all 4 rate options →
Rates, conditions & eligibility →

Who can apply? Documented salary, rental or business income, with specific history requirements.

Up to 30 yearsEUR 5,000–1,000,000 or ALL equivalent

The EUR illustration uses 3.73% interest, below the current 4% floor; collateral ratios also differ between the webpage and pre-contract sheet. Ask ABI to clarify.

Request a quote from the bank

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →

Credit cards

American Bank of Investments

Visa Classic

Source checked

Credit card for in-store and online purchases with flexible monthly repayment.

Published APR
ALL
Not confirmed
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsALL 1,250 / year · Standard EUR 10 / year · StandardCard maintenance only; other charges may apply
CurrenciesALL · EUR

Nominal interest by currency

ALL · Lekë
Purchases18%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 2 rate options →
EUR · Euro
Purchases18%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

See all 2 rate options →
Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

No purchase commission7% minimum payment

Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →
American Bank of Investments

Visa Gold

Source checked

Credit card for in-store and online purchases with flexible monthly repayment.

Published APR
ALL
Not confirmed
EUR
Not confirmed
Ask the bank for your APRExamples & conditions →
Card fee · later yearsALL 2,500 / year · Standard EUR 20 / year · StandardCard maintenance only; other charges may apply
CurrenciesALL · EUR

Nominal interest by currency

ALL · Lekë
Card rate15%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

EUR · Euro
Card rate15%Annual nominal rate

Published option; confirm the amount, term and profile with the bank.

Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

No purchase commission7% minimum payment

Credit limit and APR were not confirmed in current documents. The annual fee changes after the first year.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →

Debit cards

American Bank of Investments

Visa Classic Debit

Source checked

Visa linked to your account for everyday payments and withdrawals.

Digital bankingAvailableSee access conditions
CurrenciesALL · EUR
Contactless VisaUp to 3 linked accounts

Other banks’ ATM and currency conversion fees vary.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →

Term deposits

American Bank of Investments

Term Deposit

Source checked

Fixed-term savings with interest paid at maturity.

Published annual rateALL: 0.10 – 2.00% EUR: 0.05 – 0.40% USD: 0.10 – 1.00%Gross rate before tax
TermALL: 60 months EUR: 60 months USD: 36 monthsAvailable terms depend on currency
CurrenciesALL · EUR · USD
Terms from 1–60 monthsALL, EUR or USD

Minimum ALL 50,000 or EUR/USD 500. Standard term-deposit rates differ from periodic-payout variants.

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →

Investment & expansion

American Bank of Investments

Investment Loan

Source checked

Finance business premises, machinery, equipment and expansion.

Published APR
APR
Not confirmed
Ask the bank for your APRExamples & conditions →
Maximum termUnconfirmedDepending on amount and option
Maximum amountUnconfirmedSubject to bank approval

Nominal interest by currency

Currency unconfirmed

Nominal rate unconfirmed. Request pricing for this currency from the bank.

Published option; confirm the amount, term and profile with the bank.

Rates, conditions & eligibility →

Who can apply? Consult the bank’s terms and documents for eligibility criteria.

Up to 10 yearsBusiness investment

Amount, currency, fees and collateral coverage require a bank quote.

Request a quote from the bank

Official source ↗
Source review

Last reviewed: 2026-09-26. Reviewed sources can still contain missing or conditional terms.

Documents and evidence →