Licensed institution listed by the Bank of Albania. Product verification is separate from licensing.
Directory source ↗ Bank website 6 selected products, grouped by category. Open a product to see terms and official sources.
Personal loans 1 Home loans 1 Credit cards 1 Term deposits 2 Working capital 1 Personal loans Special fixed-rate personal loan for eligible income or professional profiles.
Maximum term ALL: 120 months
EUR: Unconfirmed Depending on amount and option
Maximum amount ALL: ALL 4,000,000
EUR: Unconfirmed Subject to bank approval
Nominal interest by currency Salary at the lending bank Salary conditions Payroll and repeat customers pay a 1% fee, others 1.5%, minimum ALL 3,000. Interest varies by amount, term and borrower count; salary alone does not establish an interest discount.
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 Up to 2 million · solo 9.5% Fixed; 5-year loan
Published option; confirm the amount, term and profile with the bank.
See all 9 rate options → EUR · Euro 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? Selected professions or monthly income above ALL 90,000; stable income and a clean credit history.
Home loans Home-purchase loan with an introductory rate for the first two years.
Maximum term ALL: 300 months
EUR: 300 months Depending on amount and option
Maximum amount ALL: ALL 60,000,000
EUR: EUR 500,000 Subject to bank approval
Interest and conditions Nominal interest by currency Salary at the lending bank Salary conditions Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
ALL · Lekë Home purchase From 4.2% Fixed for the first 24 months Then: BTH 12M + 3.3%, min 4.6%
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Home purchase From 4% Fixed for the first 24 months Then: Euribor 12M + 3.4%, min 4.5%
Published option; confirm the amount, term and profile with the bank.
Rates, conditions & eligibility → Who can apply? Income covering the loan term, acceptable property collateral and property/life insurance under bank terms.
Request a quote from the bank
Credit cards Mastercard for in-store and online purchases, managed in UB Online.
Card fee · later years ALL 0 / year · Standard
EUR 20 / year · Standard Card maintenance only; other charges may apply
Interest-free period Up to 48 days Full repayment conditions apply
Nominal interest by currency ALL · Lekë Standard Mastercard 21% Annual nominal rate
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Standard Mastercard 15% 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.
Term deposits Standard deposit with rates by currency, amount and term.
Published annual rate ALL: 0.40 – 1.90%
EUR: 0.20 – 1.20%
USD: 0.20 – 1.50% Gross rate before tax
Term ALL: 12 months
EUR: 12 months
USD: 12 months Available terms depend on currency
Currencies ALL · EUR · USD
35-month savings with rates by currency and amount band.
Published annual rate ALL: 2.70 – 3.20%
EUR: 2.10 – 2.60%
USD: 2.00 – 2.50% Gross rate before tax
Term ALL: 35 months
EUR: 35 months
USD: 35 months Available terms depend on currency
Currencies ALL · EUR · USD
Working capital Finance inventory, suppliers, taxes and short-term business needs.
Maximum term ALL: 36 months
EUR: 36 months
USD: 36 months Depending on amount and option
Maximum amount ALL: ALL 14,000,000
EUR: Unconfirmed
USD: Unconfirmed Subject to bank approval
Nominal interest by currency ALL · Lekë Nominal rate unconfirmed. Request pricing for this currency from the bank.
Published option; confirm the amount, term and profile with the bank.
EUR · Euro Nominal rate unconfirmed. Request pricing for this currency from the bank.
Published option; confirm the amount, term and profile with the bank.
USD 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.
Request a quote from the bank
