Salary overdraft
Up to three net salaries; minimum ALL 30,000. In the salary currency.
Cost summary
Indicative figures- Monthly payment
- UnconfirmedPer month
- Total interest
- UnconfirmedOver the whole term
- Fees
- UnconfirmedUpfront bank fee only
- Total repayment
- UnconfirmedLoan + interest + known fee
Interest and monthly payments over time
View rates by option (2)
ALL · On the amount used · Annual interest
- Year 1
- 11.5%Fixed rate
- From year 2
- Not applicableThe loan ends within year 1.
EUR · On the amount used · Annual interest
- Year 1
- 11.5%Fixed rate
- From year 2
- Not applicableThe loan ends within year 1.
Choose your amount, term, currency and customer category to see the summary.
Choose your loan details →Your product context
Calculate with this product →Nominal interest by currency
The annual nominal rate is used to calculate interest on the outstanding loan amount; it excludes fees and is different from APR. Rates depend on the currency, customer profile and fixed period. BTH refers to Albanian Treasury bills, while Euribor is a benchmark for euro borrowing. For a variable rate, the published minimum is a floor; the rate you pay may be higher.
The relevant income payment must be credited to Fibank, subject to bank approval.
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
- Year 1
- 11.5%Fixed rate
- From year 2
- Not applicableThe loan ends within year 1.
Calculated for each day used on a 360-day basis. Interest is paid at month-end.
Official terms · page 1 ↗EUR · Euro
- Year 1
- 11.5%Fixed rate
- From year 2
- Not applicableThe loan ends within year 1.
Calculated for each day used on a 360-day basis. Interest is paid at month-end.
Official terms · page 1 ↗Employment, income & eligibility
The relevant income payment must be credited to Fibank, subject to bank approval.
Annual percentage rate (APR)
APR (annual percentage rate) expresses borrowing costs as a yearly percentage, including interest and the fees included in the calculation. The nominal rate covers interest alone. APR is not an additional charge. Where available, the bank’s published examples are shown below; your offer may differ. Compare the same currency, amount, term and customer profile.
Understand APR and the nominal rate, with an example →
- ALL
- Not confirmed
- EUR
- Not confirmed
The page quotes an “up to” APR without a complete illustration matching the personal limit. The PDF leaves APR for the individual offer; it is not shown as a guaranteed rate.
Repayment, costs & documents
- Limit
- Up to three net salaries; minimum ALL 30,000. In the salary currency. Source ↗
- Management fee
- 1% of the approved limit. Source ↗
- Repayment
- Monthly interest depends on the amount and days used; principal can be repaid partly or fully. There is no level installment like a term loan. Source ↗
- Account
- ALL 100 or EUR 1 per month. Source ↗
- Term and renewal
- Repay within the last 60 days of the term; renewal depends on continued income credits at Fibank. Source ↗
Benefits and limitations
✓ Up to three net salaries
✓ Interest only on the amount used
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | The relevant income payment must be credited to Fibank, subject to bank approval. |
| Maximum term (months) | 12 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | 1% |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLOverdraft | 30,000 – Confirm amount with bank | —–12 | 11.5%Subject to profile and bank assessment. |
| EUROverdraft | — – Confirm amount with bank | —–12 | 11.5%Subject to profile and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Paradhënie mbi pagën
Fibank — Overdraft në llogarinë e pagës ↗Reviewed pages: 1, 2