Bank-published APR
0.00% APR- Currency
- ALL
- Example amount
- Not specified
- Term
- Not specified
The bank publishes 0% APR; annual card and account charges remain payable. This does not mean a cost-free card.
Bank’s example · page 3 ↗Credit Card
Spending card with an income-based limit and digital-wallet support.
ProCredit Bank
Provider: Directly by the bank. No sponsored placement.
Your product context
Card maintenance fee · later years
ALL 2,000 / year · Standard
EUR 15 / year · Standard
Other charges, including issuance, account fees and interest, may apply; see the conditions below.
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.
ALL · Lekë
Full monthly repayment0%Annual nominal rate
Subject to profile and bank contract.
Official terms · page 2 ↗EUR · Euro
Full monthly repayment0%Annual nominal rate
Subject to profile and bank contract.
Official terms · page 2 ↗Employment, income & eligibility
Consult the bank’s terms and documents for eligibility criteria.
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 →
Bank-published APR
0.00% APR- Currency
- EUR
- Example amount
- Not specified
- Term
- Not specified
The bank publishes 0% APR; annual card and account charges remain payable. This does not mean a cost-free card.
Bank’s example · page 3 ↗Repayment, costs & documents
- Line and salary
- Up to ALL 1 million/EUR 10,000; beneficial business owners up to ALL 2 million/EUR 20,000 subject to approval. Salary customers up to 300% of salary including overdraft. Source ↗
- Required costs
- Free issuance; annual ALL 2,000/EUR 15. Same-currency account required: full package ALL 700/EUR 5 monthly; basic ALL 100/EUR 1 monthly, plus debit card ALL 200/EUR 2 quarterly. Source ↗
- Lateness and security
- Daily late interest 0.041667%. Usually no extra security, but the bank may request it; deposit cover 100% in the same currency / 110% in another currency. Source ↗
Benefits and limitations
✓ Up to 45 interest-free days
✓ Limit up to 3 salaries
Full monthly repayment is required. Published 0% APR does not waive annual or account fees; the limit is income-assessed.
| Currencies | ALL, EUR |
|---|---|
| Published APR (%) | ALL: 0.00% EUR: 0.00% · see examples and conditions |
| Interest-free period (days) | 45 |
| Minimum payment | 100% deri më 15 të muajit pasardhës / 100% by the 15th of the next month |
Official sources and supporting terms
Product page on the bank’s website ↗
Source section: Kartë krediti
ProCredit · Kartë krediti · informacion parakontraktor · mars 2026 ↗Reviewed pages: 1, 2, 3, 4