Mastercard Credit
Mastercard for in-store and online purchases, managed in UB Online.
Your product context
Card maintenance fee · later years
ALL 0 / year · Standard
EUR 20 / 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
Subject to profile and bank contract.
Official terms · page 14 ↗EUR · Euro
Subject to profile and bank contract.
Official terms · page 14 ↗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 →
- ALL
- Not confirmed
- EUR
- Not confirmed
No current APR example confirmed in the reviewed sources. A nominal rate can still support a payment estimate.
Repayment, costs & documents
- Repayment by currency
- Minimum ALL 5% / EUR 10%, plus interest, fees and overdue amounts. Up to 48 days (month plus 18 days); full repayment cancels purchase and cash interest under the tariff. Source ↗
- Card fees
- Issuance ALL 1,500 / free in EUR; annual ALL 0 / EUR 20 (additional EUR 10). Renewal ALL 1,500/EUR 20. Union ATM ALL 200 or EUR 2%, min 5/max 8; other ATMs ALL 500 or the same EUR fee. Source ↗
Benefits and limitations
✓ Limit up to ALL 1 million / EUR 10,000
✓ No POS/online purchase commission
Standard Mastercard APR was not confirmed; the Visa Platinum example on the next page is not applied to this product.
| Currencies | ALL, EUR |
|---|---|
| Published APR (%) | ALL: Not confirmed EUR: Not confirmed |
| Interest-free period (days) | 48 |
Amounts, terms and pricing by currency
| Currency / customer | Amount | Months | Annual rate |
|---|---|---|---|
| ALLStandard Mastercard | 40,000 – 1,000,000 | See nominal interest aboveSubject to product terms. | |
| EURStandard Mastercard | 800 – 10,000 | See nominal interest aboveSubject to product terms. |
Official sources and supporting terms
Product page on the bank’s website ↗
Union Bank · Kushtet e punës · gusht 2026 ↗Reviewed pages: 14