12-month Deposit — New Funds

ALL deposit offer for customers bringing new funds to the bank.

Provider: Directly by the bank. No sponsored placement.

Your product context

New funds and validity: 3% gross annual rate for 12 months in ALL, only for new funds under the offer; valid until 31 December 2026. Does not automatically apply to renewal of existing funds. Source ↗
Criteria and documents: Individual with valid identification and funds meeting the bank’s new-money definition. Source ↗

✓ 3% gross annual interest

✓ Offer until 31 December 2026

New funds only. Interest is subject to tax; early withdrawal forfeits interest. Renewal uses rates applying at maturity.

Key published conditions
Currencies	ALL
Annual interest (%)	3
Minimum term (months)	12
Maximum term (months)	12
Interest payout	Në maturim / At maturity
Early withdrawal	Humbet interesi / Interest forfeited
Renewal	Sipas normave në maturim / Rates applying at maturity

Official sources and supporting terms

Source section: September 2026 product sheet, page 2: 12-month ALL deposit for new funds