Frozen Money — overdraft
Deposit-secured financing with interest linked to the deposit rate.
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 (4)
ALL · Same currency · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: Deposit rate + 1.5%
- From year 2
- Not confirmed by the bank
ALL · Different currencies · Annual interest
- Year 1
- T-bills 12M; floor deposit rate + 1.5%Variable · the benchmark may change
- From year 2
- T-bills 12M; floor deposit rate + 1.5%Variable · the benchmark may change
EUR · Same currency · Annual interest
- Year 1
- Not confirmed by the bankPublished rate: Deposit rate + 1.5%
- From year 2
- Not confirmed by the bank
EUR · Different currencies · Annual interest
- Year 1
- Euribor 12M; floor deposit rate + 1.5%Variable · the benchmark may change
- From year 2
- Euribor 12M; floor deposit rate + 1.5%Variable · the benchmark may change
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.
Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer.
ALL · Lekë
- Year 1
- Not confirmed by the bankPublished rate: Deposit rate + 1.5%
- From year 2
- Not confirmed by the bank
Deposit and loan in the same currency; the deposit rate must be confirmed.
Official terms · page 1 ↗- Year 1
- T-bills 12M; floor deposit rate + 1.5%Variable · the benchmark may change
- From year 2
- T-bills 12M; floor deposit rate + 1.5%Variable · the benchmark may change
Applies when the deposit and loan currencies differ.
Official terms ↗EUR · Euro
- Year 1
- Not confirmed by the bankPublished rate: Deposit rate + 1.5%
- From year 2
- Not confirmed by the bank
Deposit and loan in the same currency; the deposit rate must be confirmed.
Official terms · page 1 ↗- Year 1
- Euribor 12M; floor deposit rate + 1.5%Variable · the benchmark may change
- From year 2
- Euribor 12M; floor deposit rate + 1.5%Variable · the benchmark may change
Applies when the deposit and loan currencies differ.
Official terms ↗Employment, income & eligibility
An adult with an eligible deposit; a third-party deposit owner must guarantee the financing.
- Documents
- Branch application, ID, personal and family certificates; loan and pledge agreements after approval. Source ↗
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
No completed APR is published for this offer. Request a precontractual quote for your amount and term.
Repayment, costs & documents
- Collateral
- 105% coverage in the same currency or 112% across currencies, including account charges over the full term. Source ↗
- Fees
- 1% management (0% for Fibank staff). Account fee: ALL 100 or EUR 1 monthly. Notary and pledge-registration costs may apply. Source ↗
- Repayment and term
- Up to 12 months, to be repaid within the final 60 days. Interest accrues daily on usage on a 360-day basis and is paid monthly. Renewal requires agreement. Source ↗
- Application
- No application fee under the product page. Source ↗
Benefits and limitations
✓ Interest on the amount used
✓ No application fee
APR is blank in the precontract. USD appears in the PDF but is not confirmed by the current page; no USD offer is listed.
| Currencies | ALL, EUR |
|---|---|
| Salary at the lending bank | Salary-transfer discount: unconfirmed in the reviewed sources. Request quotes with and without salary transfer. |
| Maximum term (months) | 12 |
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Fees | Menaxhim 1%; për punonjësit Fibank 0% / Management 1%; Fibank staff 0% |
| Collateral | Depozitë e bllokuar / Pledged deposit |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLPublished limits | — – Confirm amount with bank | —–12 | See nominal interest aboveSubject to purpose, security and bank assessment. |
| EURPublished limits | — – Confirm amount with bank | —–12 | See nominal interest aboveSubject to purpose, security and bank assessment. |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Para e Ngrirë — overdraft
Fibank — Overdraft Para e Ngrirë ↗Reviewed pages: 1, 2, 3