Llojet e komisioneve

Llogarite
Mirembajtja e llogarise rrjedhese
Mirembajtja e llogarise se kursimit
Hapja e llogarise rrjedhese
Hapja/Mbyllja e llogarise se kursimit
Hapja/Mbyllja e llogarise se afatizimit
Hapja/Mbyllja e llogarise flexi
Tarifa per terheqje nga llogaria flexi
Tarifa per pagesa tjera masive
Llogarite
Kredi me pauze
Deponim nga palet e treta (jo kliente te TEB Bankes)
Pagesa e kolektoreve (jo kliente te TEB Bankes)
Hapja e llogarise se perbashket (2 apo me shume bashkepronare)
Konfirmim per mbyllje te prukteve kreditore
Autorizim i personit per llogari
Konfirmim per auditore te jashtem
Shtypja e gjendjes se llogarise (arke dhe portfolio)
Transferet e parave
Transferet nderbankare dalese
Transferet nderbankare dalese me prioritet
Transferet nderbankare dalese me E-banking
Transferet hyrese
Komisioni per mirembajtje te llogarise se mbiterheqjes
Tarifa ne pjesen e pashfrytezuar te mbiterheqjes
Komisioni per parapagim te hershem te mbiterheqjes
Ekzekutimi masiv i pagave
Pranimi i pagesave
Transferet nderkombetare dalese
Transferet nderkombetare dalese me E-banking
Transferet nderkombetare hyrese
Tarifa per reklamacion te transferit
Transferet brenda bankes
Te tjera
Tarifa per E-Banking
Resetimit i PIN-it
Leter reference
Konvertimi i ceqeve
Mirembajtja vjetore per TEB SMS Mbushje
Tarifa per transakcion te TEB SMS Mbushje
Tarifa per TEB SMS njoftim
Tarifa per IPKO Digjital TV & Internet

Terheqje e parave te gatshme ne arke

Tarifa per GPRS POS
Tarifa per Deponim te monedhave
Konfirmim per viza
Dergesa e gjendjes se llogarise me poste
Nderrimi i regjistimit te pengut
Kerkesa per kopje te pageses
SMS Banking mirembajtja
Mobile banking mirembajtja
Resetimi i PIN-it te karteles
Llojet e komisioneve

Kredit kartelat
Shpenzimet administrative per limitin e karteles kryesore
Mirembajtja vjetore e karteles
Mirembajtja vjetore e karteles - kartele shtese
Leshimi i karteles
Nderrimi i karteles (kartela shtese) Rileshimi i karteles
Tarifa mujore per gjendjen e karteles
Tarifa per tejkalim te limitit
Tarifa per verejtje per vonese ne pagesen e produkteve te kredise
Norma vjetore e interesit per pagese maksimale
Norma vjetore e interesit per pagese minimale
Norma vjetore e kamates vonese
Shpenzime e kthimit te parave prapa (vetem per ankesat e paarsyetuara)
Norma e interesit per terheqje te keshit
Ngritja e limitit ne vlere deri 500€
Ngritja e limitit ne vlere mbi 500€
Pagesa e KOS GYRO dhe kolektoreve ne arke me kartele me nje kartele
Pagesat e KOS GYRO dhe kolektoreve ne arke me kartele deri ne 3 keste
Dergesa e gjendjes se kredit karteles me poste

Pagesat online dhe pagesat ne POS ne terminalet jasht Kosoves me 2 keste

Pagesat online dhe pagesat ne POS terminalet jasht Kosoves me 3 keste

Terheqja e parave te gatshme
Terheqja e parave te gatshme ne bankomatet ne ndertesat e bankes dhe jashte
bankes

Terheqja e parave te gatshme ne bankomatet e bankave te tjera brenda Kosoves

Terheqja e parave te gatshme ne bankomatet e bankave te tjera jasht Kosoves

Transakcionet permes ATM-it
Debit karteles
Transferet te brendshme bankare
Transferet ne banka tjera vendore
Kredit kartelat
Pagesa e borxhit te karteles
Pagesa e borxhit te karteles per persone te tjera
STARCASH (Terheqja e parave te gatshme me keste)
Tarifa per terheqje te parave me keste
Norma e interesit se terheqjes se parave me keste
Pagesat ne POS terminale
Pagesat ne POS terminale te bankes tone
Pagesat ne POS terminale te bankave te tjera brenda Kosoves
Pagesat ne POS terminale te bankave te tjera jashte Kosoves
Pagesat permes internetit
Blerjet online me Starcard
Blerjet online me Debit Card
Tarifa per konvertim te valutash per transakcione qe nuk behen ne EUR
(ATM/POS) me Debit dhe Star Card
Limitet e lejuara
Limiti max. ditor per terheqje te parave te gatshme ne bankomat
Limiti i lejuar per terheqje te parave te gatshme
Debit kartelat
Leshimi i karteles
Terheqja e parave te gatshme ne bankomatet ne ndertesat e bankes
Terheqja e parave te gatshme ne bankomatet jashte bankes
Terheqja e parave te gatshme ne bankomatet e bankave te tjera

Terheqja e parave te gatshme ne bankomatet e bankave te tjera jasht Kosoves

Pagesat ne POS terminale te bankes tone
Pagesat ne POS terminale te bankave te tjera brenda Kosoves
Pagesat ne POS terminale te bankave te tjera jashte Kosoves
Llojet e komisioneve
Tarifa per pagesa KOS Gyro dhe kolektore
Pagesat KOS te kompanise se sigurimit permes E-banking
Pagesat KOS Gyro te KEDS permes E-banking
Pagesat KOS Gyro te Telekomit per E-banking
Pagesa KOS Gyro te Ujesjellesit Prishtina permes E-banking
Pagesat Kos Gyro te Doganave permes E-banking
Pagesat e kolektoreve - SHPK Terminali
Pagesa e kolektoreve - Deklarimi i tatimit (bilanci 0€)
PTK ne TEB
Pagesat e tatimit permes E-banking
Llojet e komisioneve
Tarifa per pagesa KOS Gyro dhe kolektore
Pagesat e Kolektoreve (kliente te bankes TEB)
Pagesat e Kolektoreve (jo kliente te bankes TEB)
Pagesat KOS Gyro (kliente te bankes TEB)
Pagesat KOS Gyro (jo kliente te bankes TEB)
Pagesat e Ujit KOS Gyro (kliente te bankes TEB)
Pagesat e Ujit KOS Gyro (jo kliente te bankes TEB)
Pagesa e kolektoreve - (Tarifa e Universitetit, kliente te bankes TEB)
Pagesa e kolektoreve - (Tarifa e Universitetit, jo kliente te bankes TEB)
Pagesat KOS Gyro te Kompanive te Sigurimeve (kliente te bankes TEB)
Pagesat KOS Gyro te Kompanive te Sigurimeve (jo kliente te bankes TEB)
 TARIFAT E PERGJITHSHME
Komisioni
Kliente afariste
€ 1.00
Pa pagese
Pa pagese
Pa pagese
Pa pagese
Pa pagese
€ 6.00
€ 1.00
Kliente afariste
€ 10.00
€ 1.00
€ 3.00
€ 5.00
€ 25.00
€ 2.00
€ 5.00
€ 2.50
Komisioni
Klient individual
€ 0.75
€ 0.75
Pa pagese
Pa pagese
Pa pagese
Pa pagese
€ 6.00
€ 1.00
Klient individual
€ 5.00
€ 1.00
€ 3.00
Nuk aplikohet
€ 25.00
€ 2.00
Nuk aplikohet
€ 2.50

€ 1.75 € 1.75
€ 5.00 € 5.00
€ 0.75 € 0.75
€ 1.50 € 1.50
€ 1.00 N/A
€ 1.00 N/A
€ 1.00 N/A
€ 2.00 N/A
€ 1.50 € 1.50
0.3% min.15€/max.1000€ 0.3% min.15€/max.1000€
0.15% min.15€/max.1000€ N/A
0.25% min.15€/max.1000€ 0.3% min.15€/max.1000€
Varet nga banka korespodente Varet nga banka korespodente
€ 1.00 € 1.00

€ 0.50 € 0.50
€ 0.50 € 0.50
€ 3.00 N/A
1.5% min 30€ 1.5% min 30€
€ 1.00 € 1.00
€ 0.15 € 0.15
€ 0.20 € 0.20
N/A € 0.50
1.5€ deri ne 1000€; 1€ nga 1000
1.5€ deri ne 1000€; 1€ nga 1000 deri 10,000; mbi deri 10,000; mbi 10,000 0.1% nga
10,000 0.1% nga shuma shuma
€ 5.30 N/A
5% 5%
€ 2.50 € 2.50
€ 2.00 € 2.00
N/A € 20.00
€ 2.50 € 2.50
N/A € 1.00
N/A N/A
N/A € 1.00
Komisioni Komisioni
Kliente afariste Klient individual
Biznes Starkartela Starkartela
€ 20.00 NA
NA € 20.00
€ 10.00 € 10.00
Pa pagese Pa pagese
€ 2.50 € 2.50
Pa pagese Pa pagese
€ 5.00 € 2.00
€ 2.50 € 2.50
0% 0%
24% 24%
48% 48%
€ 25.00 € 25.00
24% 24%
€ 3.00 € 3.00
€ 5.00 € 5.00
Pa pagese Pa pagese
2% - min. 2€ 2% - min. 2€
€ 2.50 € 2.50
Per blerjet 50€ - 299.99€ aplikohet komisioni Per blerjet 50€ - 299.99€ aplikohet
2.5%, min. 3€ komisioni 2.5%, min. 3€
Per blerjet mbi 300€ aplikohet
Per blerjet mbi 300€ aplikohet komisioni 3€ komisioni 3€

2.5% min. 3€ 2.5% min. 3€

2.5% min. 3€ 2.5% min. 3€

2.5% min. 3€ 2.5% min. 3€

Pa pagese € 1.00
€ 1.50 € 1.50

Pa pagese Pa pagese
Pa pagese Pa pagese

2.5% min. 3€ 2.5% min. 3€

24% 24%

Pa pagese Pa pagese
1% 1%
Pa pagese Pa pagese

Pa pagese Pa pagese
1% 1%

1% 1%

€ 1,000.00 € 1,000.00
25% 50%

€ 2.50 € 2.50
Pa pagese Pa pagese
Pa pagese Pa pagese
2% min. 2€ 2% min. 2€

2% min. 2€ 2% min. 2€
Pa pagese Pa pagese
1% 1%
1% 1%
Komisioni Komisioni
Kliente afariste Klient individual
€ 0.50 € 0.50
Pa pagese Pa pagese
Pa pagese Pa pagese
Pa pagese Pa pagese
€ 0.50 € 0.50
€ 0.50 NA
€ 0.50 € 0.50
Pa pagese Pa pagese
€ 0.50 NA
Komisioni Komisioni
Kliente afariste Klient individual
€ 1.50 € 1.50
€ 5.00 € 5.00
€ 1.50 € 1.50
€ 5.00 € 5.00
€ 1.50 € 1.50
€ 3.00 € 3.00
€ 1.50 € 1.50
€ 3.00 € 3.00
€ 1.50 € 1.50
€ 5.00 € 5.00
Validiteti
Mujor

Tarifa aplikohet nese behen mbi 5 terheqje gjate muajit

Validiteti
Per llogari
Per transakcion
Per transakcion
Per llogari
Per transakcion
Per autorizim
Per transakcion
Per gjendje

Per transakcion
Per transakcion
Per transakcion
Per transakcion
Vjetore
Ne fund te cdo kuartali
Vjetore
per liste

Per transakcion
Per transakcion
Per transakcion
Per transakcion

Mujore
Per transakcion
Per reference
Per transakcion
Vjetore
Per transakcion
Per transakcion
Per transakcion

Per transakcion
Mujore
Ne shumen totale nese jane me shume se 50 monedha

Per transakcion

AGRO VALIDITETI
NA Tarifa e cila aplikohet vetem nje here
€ 20.00 Vjetore
€ 10.00 Vjetore
Pa pagese Per kartele
€ 2.50 Per kartele
Pa pagese Pa pagese
NA Per transakcion
€ 2.50
0% Vjetore
24% Vjetore
48% Vjetore
€ 25.00 Per ankese
24% Vjetore
€ 3.00
€ 5.00
Pa pagese Per transakcion
2% - min. 2€ Per transakcion
€ 2.50 Per dergese

NA Per transakcion

NA Per transakcion

2.5% min. 3€ Per transakcion

NA Per transakcion

NA Per transakcion

NA Per transakcion
NA Per transakcion

Pa pagese Per transakcion

Pa pagese Per transakcion

2.5% min. 3€ Per transakcion

24% Vjetore

Pa pagese
1% Per transakcion
Pa pagese

Pa pagese
1%

1%

€ 1,000.00 Per transakcion

50%

NA pe kartele
NA Per transakcion
NA Per transakcion
NA Per transakcion

NA Per transakcion
NA
NA Per transakcion
NA Per transakcion

Validiteti
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion

Validiteti
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Fee for private individuals Current account and other
Opening Free of charge
Monthly fee equivalent to 0.75€
Minimum Balance NA
Cash withdrawals up to 100,000 at
Cash counters € 2.50
Cash withdrawals starting from
100,000€ at Cash Counters 0.1% of amount withdrawn
Cash deposit in any accounts up to
20,000€ € 2.50
Cash deposit (over 100 pieces) 5% min. 5€
Cash deposit of amounts starting
from 20,000€ (is only allowed in
Main Branches in Kosovo) € 10.00
Transfer between accounts in
Raiffeisen Bank in Kosovo € 1.00
Transfer between accounts in
Raiffeisen Bank in Kosovo (via E-
banking) free of charge
Transfer between - customer's
accounts at the branch € 1.00
Standing order contract concluded
at the branch € 1.00
Transfer via standing order -
contract concluded at the branch € 1.00
Standing order - contract
concluded via E banking free of charge
Transfer via standing order -
contract concluded via E-banking free of charge
Incoming transfer between banks
in Kosovo free of charge
Transfer to other banks via
branches € 2.50
Transfer to other banks in Kosovo
via E-banking € 0.75
Student payment at the branch € 1.50
CFA payment at the branch € 3.00
CFA payment via E-banking Free of charge
GIRO payments at the branch € 1.50
GIRO payments via E-banking Free of charge
AKP payments via E-banking € 1.50
Other Fees
International Incoming transfers € 6.00
International outgoing transfers in
the branch € 20.00
International outgoing transfers
through E-banking € 10.00
Other Fees
Closing account
Payment form copy (if required
6months after execution date)
Visa confirmation
Account confirmation
Free of charge
Free of charge
€ 2.50
€ 2.50

Change of mortgage collateral fee € 55.00

Confirmation fee on obligations
toward Bank Free of charge
Account authorization fee € 5.00
Account statement fee (free of
charge for the 1 time) € 0.30
Commission for the execution of
court and/or private enforcement
agent orders € 5.00

Commission for interest

calculation according to the court
and/or private enfrocement agent
orders € 10.00
Cheques issued by other banks 2% min. 15€ max 10,000€ per cheque - plus third party changes
Time deposit
Contract concluding NA
Minimum Balance (EUR,USD and
GBP) NA
Transfer at maturity in current /
savings account NA
Flexi Deposit
Account Opening Account Opening
Minimum Balance Minimum Balance
Interest Rate Interest Rate
Savings Account
Account Opening Account Opening
Minimum Balance Minimum Balance
Interest Rate Interest Rate
Savings Account for Children
Account Opening Free of charge
Minimum Balance NA
Interest Rate 0%
SMS Top Up Service Current and other accounts
Monthly maintance fee € 0.20
SMS Top Up or any other service
fee € 0.10
E-Banking SMS
SMS option application € 5.00
SMS Solution Account monthly
maintenance fee per user € 0.50
Fee for every SMS Banking sent € 0.20
E-Banking Web
Web option application € 5.00
Web account monthly
maintenance € 0.50
Reissuance of PIN code upon
client request (web option) Free of charge
E-Banking Bank ID
Bank ID option application 30€ or 1€ per
E-Banking Offline
Smart Card € 60.00
Smart Card Readers € 30.00
Smart Card Account monthly
maintenance per user € 1.00
USB option (replacement for
Smart Card and Smart Card
Reader) € 90.00
Replacement of a lost, stolen or
damaged card or card reader
Smart Card € 70.00
Smart Card Reader € 30.00
USB option € 90.00
Debit Cards Visa Electron
Card issuance fee € 5.00
POS payments within Raiffeisen
Bank network Free of charge
Payments in other bank POS
Terminals in the country 1%
POS payments outside the country
and online payments 1%
Card maintance fee Free of charge
Cash withdrawal from Raiffeisen
Bank ATMs in Kosovo (for package
customers € 0.05

Cash withdrawal from Raiffeisen

Bank ATMs in Kosovo, within bank
premises (for non package
customers) € 0.20

Cash withdrawal from Raiffeisen

Bank ATMs in Kosovo outside bank
premises (for non package
customers) € 0.30
Cash withdrawal from any other
bank ATM 2.5%, min. 4€
Cash withdrawal at banks outside
Kosovo (cash counters or
exchange bureaus)and ATMs
outside Kosovo 2.5%, min. 4€
Replacement of a lost, stolen or
damaged card € 5.00
Exchange currency fee for
transactions performed outside
the country 2%
Penalty fee for cash withdrawal
from a blocked account € 15.00
Cash deposit at RBKO's ATMs Free of charge
Card to Card transfers at RBKO's
ATMs Free of charge
Incoming online payments 1%
Visa Bonus & Visa Gold Credit
Cards Visa Bonus

Card issuance fee € 5.00

Card replacement € 5.00
Annual Fee € 20.00
Cash withdrawal from Raiffeisen
Bank Atms/cash counters 2%, min. 4€

Cash withdrawal from ATMs/cash

counters in the country 2.5%, min. 5€

Cash withdrawal from ATMs/cash

counters outside the country 3%, min. 5€
POS payments within Raiffeisen
Bank network Free of charge
Payments in other bank POS
Terminals in the country 1%
POS payments outside the country
and online payments 1%
Monthly cash withdrawal limit 50% of limit approved
Minimum payment 5%
Regular annual interest rate 25%
Effective annual interest rate 30%
Penalty interest 18% annually
Monthly statement fee Free of charge

Bonus on installment transactions 1%

Bonus on non-installment
transactions 0.5%
Penalty fee for cash withdrawal
from blocked account € 15.00
Exchange currency fee for
transactions performed outside
the country 2%
Incoming online payments 1%
Master Card (charge card)
Minimum monthly salary € 300.00
Card issuance fee € 5.00
Replacement of a lost, stolen or
damaged card € 5.00
Card maintence fee 20€ annually
Cash withdrawal from Raiffeisen
Bank ATMs in Kosovo 2.% min. 5€
Cash withdrawal from any other
bank ATM 2.% min. 5€
Cash withdrawal in banks outside
Kosovo (cash counters or
exchange bureaus) 2.% min. 5€
Penalty fee for cash withdrawal
from a blocked account € 25.00
Penalty interest 0.4% daily
Exchange currency fee for
transactions performed outside
the country 2%
Incoming online payments 1%
Current Account Packages
Start Package with a monthly fee
of 1.99€ includes the following Premium package with a monthly fee of 3.99€ includes the following
products services products/services:
Openin of account Opening of account
Current account monthly
maintenance fee Currentg account monthly maintenance fee

Debit Card issuance (Visa Electron,

Visa Classic and Debit Master) Debit Card issuance (Visa Electron, Visa Classic and Debit Master)
E-Banking/M-banking activation Visa Classic monthly maintenance
E-banking/M-banking
maintenance SMS banking service activation
Credit card issuance SMS banking maintenance

One account statement per month E-Banking/M-banking activation

Credit Card monthly statement E-banking/M-banking maintenance
SMS Top Up Service Bank ID
Discount on ATM withdrawal fee Credit card issuance
Discount on tax payment fee Credit Card monthly statement
Discount on fees for national
transfers via E-banking SMS Top Up Service
Discount on ATM withdrawal fee
 Discount on tax payment fee
Discount on fees for national transfers via E-banking
Two interbank transfers per month
Two monthly account statements
Visa Confirmation
Exemptions applied to student payments and accounts
Student payments via E-banking Free of charge
Student Account Maintenance fee Free of charge
Debit Card Issuance Free of charge
Withdrawals from RBKO's ATMs Free of charge
POS payments outside the country Free of charge
Withdrawals from ATMs outside theFree of charge
Internet payments Free of charge
E-banking application - web option Free of charge
E-banking maintenance - web optio Free of charge
Start Package Premium Package
included in the package included in the package
€ 1.99 € 3.99
NA NA

€ 2.50 € 2.50

0.1% of amount withdrawn 0.1% of amount withdrawn

€ 2.50 € 2.50
5% min. 5€ 5% min. 5€

€ 10.00 € 10.00

free of charge free of charge

free of charge free of charge

free of charge free of charge

free of charge free of charge

free of charge free of charge

free of charge free of charge

free of charge free of charge

free of charge free of charge

€ 2.50 € 2.50

€ 0.75 € 0.75
NA NA
€ 1.50 € 1.50
Free of charge Free of charge
€ 1.50 € 1.50
Free of charge Free of charge
€ 1.50 € 1.50
Free of charge Free of charge

Free of charge Free of charge

included in the package included in the package
included in the package included in the package

€ 55.00 € 55.00

Free of charge Free of charge

Free of charge Free of charge

€ 0.10 € 0.10

€ 5.00 € 5.00

€ 10.00 € 10.00

free of charge free of charge

€ 10,000.00 € 10,000.00

free of charge free of charge

Account Opening Account Opening

Minimum Balance Minimum Balance
Interest Rate Interest Rate

Account Opening Account Opening

Minimum Balance Minimum Balance
Interest Rate Interest Rate

Free of charge Free of charge

NA NA
0% 0%
Start Package Premium Package
included in the package included in the package

included in the package included in the package

included in the package included in the package

included in the package included in the package

€ 0.20 € 0.20

included in the package included in the package

included in the package included in the package

Free of charge Free of charge

30€ or 1€ per included in the package

€ 60.00 € 60.00
€ 30.00 € 30.00

€ 1.00 € 1.00

€ 90.00 € 90.00

€ 70.00 € 70.00
€ 30.00 € 30.00
€ 90.00 € 90.00
Debit Master Card
€ 5.00

Free of charge

1%

1%
Free of charge

€ 0.05

€ 0.30

€ 0.30

2.5%, min. 4€
2.5%, min. 4€

€ 5.00

2%

€ 25.00
Free of charge

Free of charge
1%
Llogarite Rrjedhese
Hapja e Llogarise
Personi i autorizuar

Mirembajtja mujore e llogarise

Ndalesa per terheqjen e te hollave ne sportel

(perjashtohen pensionistet, studentet, llog. Per
jetime dhe asistence sociale)

Terheqja e monedha metalike mbi 100 cope

(kosto e BQK-se)

Depozitimi i mjeteve metalike me shumice (mbi

100 copa)

Depozitimi i mjeteve metalike me shumice (mbi

100 copa) per VIP kliente

Depozitimi i mjeteve me shumice nga femijet me

Arke

Deponimet nga palet e treta ne llogari te klientit

Pasqyra e llogarise

Transferet Kombetar
Transferet brenda bankes
Transferet brenda bankes me karakter pagese
Dalese
Transferet nderbankare
Transferet prioritare dhe transferet mbi 10,000€
Pagesat per sherbime publike (sherbimet
komunale) dhe organizata buxhetore

Pagesa e tatimeve dhe kontributeve pensionale

Pagesa e studenteve per semester dhe biblioteke

Pagesa per KEDS
Xhiro pagesat per Kompani sherbyese publike
(PTK, Ujesjellesit regjional)
Xhiro pagesat per doganen
Xhiro pagesat per kompani te sigurimeve
Hyrese
Transferet nderbankare hyrese
Tjera

Debitimi direkt per debitorin

Deibitimi direkt per kreditorin
Transferet nderkombetare
Transferet dalese
Transfere dalese me e-banking
Kartelat Debitore
Leshimi i karteles
Mirembajtja e karteles
Nderrimi i karteles per shkak te humbjes etj…
Rileshimi i karteles pas skadimit
Leshimi i karteles per personin e autorizuar
Ri-leshimi i PIN (ne rast te harreses)
Shpenzimet e kthimit te parave prapa (charge back
Terheqja ne ATM te NLB bankave brenda lokaleve t
Terheqja ne ATM te NLB bankave jashte lokaleve te
Terheqja e parave ne ATM te NLB grupit
Pagesat ne pikat e shitjes te NLB Banka
Terheqja ne ATM e bankave tjera (brenda jashte sht
Terheqja ne ATM e bankave jashte shtetit (sportel
Limiti ditor per terheqje ne bankomate
Bilanci i llogarise
Kartelat Kreditore
Leshimi i karteles/rileshimi pas skadimit
Mirembajtja mujore
Terheqja ne ATM e NLB Banka
Terheqja ne ATM te bankave tjera
Pagesat ne POS dhe ne internet
Pagesat ne POS te bankave tjera jashte Kosoves
Provizioni per kembim valutor
Shpenzimet e kthimit te parave prapa (charge back
Interesi ne ATM
Interesi ne POS
Verejtja e pare
Verejtja e dyte
Interesi ndeshkues
Nderrimi i karteles per shkak te humbjes etj…
Ri-leshimi i PIN (ne rast te harreses)
Leshimi i karteles per personin e autorizuar
Bilanci i llogarise
Sherbimet Elektronike
Hapja e llogarise
Pajisja me M-token /m-klik
M-tokeni (per studente)
Ri-aktivizimi ne rast te bllokimit te Token-it
Mirembajtja mujore
Mirembajtja mujore per studente
SMS Banking
Hapja e shfrytezuesit per SMS (user-it)
SMS mbushja e celularit DUO, TV, Internet, Fix
Sherbimi i shikimit te bilancit te llogarise bankare
SMS konfirmues per mbushjen e celularit
SMS Njoftimi
SMS Bllokimi i karteles
Sherbimi i qendres se thirrjeve
Kodi identifikues i klientit (Sherbimi automat foles)
Sherbimet Tjera
Konfirmimi per vize - per ambasade
Kerkese speciale nga klienti per dokumente
Vertetim mbi detyrimet kreditore te klientit
Leter rekomanduese - reference per qarkullim
Konfirmimi i gjendjes - kerkese nga auditoret
Vertetim i shpenzimeve bankare
Regjistrimi i pagave me liste
Nderrimi i kolateralit apo garantuesit
Nderrimi i hipotekes
Person Fizik
Pa pagese
€ 2.00

0.6€ (e pagueshme 6 muaj ne avans)

Deri ne 5€ pa provizion, Prej 5.01€ - 1000€: 1.5€, Prej 1,000.1€ - 100,000€: 1€, Mbi
100,000.01€: 0.1% e shumes

Pa pagese

5%

€ 5.00

Pa pagese

€ 1.00
€ 0.50

Transferet
Sporta/nga llogaria
0.5€ per transakcion
€ 1.00

1.5€ per transakcion

4.5€ per transakcion
Deri ne 10€: 0.5€ per transakcion, Mbi 10€: 1.5€ per transakcion

Deri ne 10€: 0.5€ per transakcion, Mbi 10€: 1€ per transakcion

Deri ne 10€: 0.5€ per transakcion, Mbi 10€: 1€ per transakcion

€ 0.50

pa pagese
€ 1.50
€ 1.00

€ 1.00

Ne kuader te BQK-se per DD - pa pagese, Brenda bankes jashte skemes se BQK-se per
DD - 0.1€
Sipas marreveshjes

0.2% min. 15€ (e njejta ne kundervlere) max. 1000€ (e njejta ne kundervlere)

0.15% min. 15€ (e njejta ne kundervlere) max. 1000€ (e njejta ne kundervlere)
Maestro Card
Pa pagese
€ 0.15
€ 2.50
pa pagese
€ 2.50
€ 1.00
€ 20.00
0.1
€ 0.15
€ 1.00
0%
2% min. 3€
2% min. 3€
€ 1,000.00
pa pagese
Comfort Card (pa interes)
pa pagese
€ 1.50
2% min. 3€
2% min. 5€
0%
0%
1%
€ 20.00
24%
Me keste 0%, pa keste 24%
€ 5.00
€ 10.00
0.08% ditore
€ 5.00
€ 2.50
€ 5.00
pa pagese
E-klik
pa pagese
€ 5.00
pa pagese
pa pagese
0.8€ pako Web (qasja e limituar), 1€ pako e plote (qasja e plote)
€ 0.65

pa pagese
€ 0.10
€ 0.10
€ 0.04
€ 0.10
€ 0.10

€ 1.00

€ 2.50
Brenda 6 muajve 2€, Pas 6 muajve 5€
€ 5.00
€ 5.00
€ 5.00
€ 5.00
10€ per hard copy
€ 5.00
€ 10.00
Person Juridik
Pa pagese
€ 2.00

1€ (e pagueshme 6 muaj ne
avanas)

Deri ne 5€ pa provizion, Prej

5.01€ - 1000€: 1.5€, Prej
1,000.1€ - 100,000€: 1€, Mbi
100,000.01€: 0.1% e shumes

Pa pagese

5%

€ 5.00

Na

€ 1.00
€ 0.50

Sportel/ me para te gatshme E-banking / M-banking

NA pa pagese
€ 1.00 pa pagese

€ 2.00 € 0.80
€ 5.00 € 8.00
Deri ne 10€: 1€ per transakcion,
Mbi 10€: 2€ per transakcion € 0.50

Deri ne 10€: 1€ per transakcion,

Mbi 10€: 2€ per transakcion € 0.50

Deri ne 10€: 0.5€ per transakcion,

Mbi 10€: 1€ per transakcion € 0.50
€ 1.00 pa pagese

pa pagese pa pagese
€ 2.50 € 0.50
€ 1.00 NA

Visa Card
Pa pagese
€ 0.15
€ 2.50
pa pagese
€ 2.50
€ 1.00
€ 20.00
0.1
€ 0.15
€ 1.00
0%
2% min. 3€
2% min. 3€
€ 1,000.00
pa pagese
Master Card Visa Credit Business Visa Credit Revolving
pa pagese pa pagese pa pagese
€ 1.50 € 1.50 € 1.50
2% min. 3€ 2% min. 5€ 2% min. 5€
2% min. 5€ 2% min. 5€ 2% min. 5€
0% 0% 0%
0% 0% 0%
1% 1% 1%
€ 20.00 € 20.00 € 20.00
16% 14% 24%
15% 12% 24%
€ 5.00 € 5.00 € 5.00
€ 10.00 € 10.00 € 10.00
0.08% ditore 0.08% ditore 0.08% ditore
€ 5.00 € 5.00 € 5.00
€ 2.50 € 2.50 € 2.50
€ 5.00 € 5.00 € 5.00
pa pagese pa pagese pa pagese
M-klik
pa pagese
pa pagese
pa pagese
pa pagese
€ 0.60
€ 0.60
Produktet/sherbimet
Llogari personale Llogari e bankingut

Llogari e afatizuar Sipas te gjitha maturiteteve dhe valutave

Visa Classic Debit - Personal Banking me

Debit Kartela Dizajn unik

Produktet kreditore Kredi deri ne 5000€ deri ne 3 vite

Kredi mbi 5000€ deri ne 3 vite

Mbiterheqje

Kartelat Kreditore Visa Revolving MaterCard/Comfort Card

Produktet Elektronike E-banking, Tokeni/aplikacioni

Qasja e limituar - mirembajtja
Qasja e plote - mirembajtja
M klik
SMS Banking
IVR
Sherbimet tjera Direct Debit
Urdheresa e perhershme
Cmimi per pako
Master Card Cash Cover
pa pagese
€ 1.50
2% min. 5€
2% min. 5€
0%
0%
1%
€ 20.00
12%
4%
€ 5.00
€ 10.00
0.08% ditore
€ 5.00
€ 2.50
€ 5.00
pa pagese
Pakot e Bankingut Personal
Premium Premium Plus Private Banking
Pa pagese Pa pagese Pa pagese

Lejimi pa pagese,
Mirembajtja pa pagese, Lejimi pa pagese, Mirembajtja Lejimi pa pagese, Mirembajtja pa
Limiti ditor i terheqjes ne pa pagese, Limiti ditor i pagese, Limiti ditor i terheqjes ne
ATM 1000€ terheqjes ne ATM 1000€ ATM 1000€

Lejimi pa pagese,
Mirembajtja pa pagese,
Limiti ditor i terheqjes ne
ATM 1000€
Norma e interesit 5.99%,
Shpenzimet administrative
0.5%
Norma e interesit 6.5%,
Shpenzimet administrative
0.5%
Lejimi pa pagese, Mirembajtja Lejimi pa pagese, Mirembajtja pa
pa pagese, Limiti ditor i pagese, Limiti ditor i terheqjes ne
terheqjes ne ATM 1500€ ATM 1500€
Norma e interesit 5.99%,
Shpenzimet administrative Norma e interesit 5.99%,
0.5% Shpenzimet administrative 0.5%
Norma e interesit 6.5%,
Shpenzimet administrative Norma e interesit 6.2%,
0.5% Shpenzimet administrative 0.5%

Deri ne 100% te pages - Deri ne 100% te pages - 14%, Deri ne 100% te pages - 14%,
14%, Deri ne 12% te pages - Deri ne 12% te pages - 16%, Deri ne 12% te pages - 16%,
16%, Provizioni 0% Provizioni 0% Provizioni 0%

Lejimi pa pagese,
Mirembajtja per vitin e pare Lejimi pa pagese, Mirembajtja Lejimi pa pagese, Mirembajtja
falas per vitin e pare falas per vitin e pare falas

Pa pagese Pa pagese Pa pagese

Viti i pare pa pagese - 0.1€
Viti i pare pa pagese - 0.25€
€ 0.60
0.1€ per SMS
Falas
Falas
Falas
€ 1.50
Viti i pare pa pagese - 0.1€
Viti i pare pa pagese - 0.25€
€ 0.60
0.1€ per SMS
Falas
Falas
Falas
€ 2.00
Viti i pare pa pagese - 0.1€
Viti i pare pa pagese - 0.25€
€ 0.60
0.1€ per SMS
Falas
Falas
Falas
€ 2.50
E-banking Kliente afarist Klient Individual
Transferet nderbankare dalese me E-banking € 0.75 € 0.75
Transferet nderkombetare dalese me E-banking 0.15% min.15€/max.1000€ N/A
Tarifa per E-Banking € 0.50 € 0.50
Pagesat KOS te kompanise se sigurimit permes E-
banking € 0.50 € 0.50
Pagesat KOS Gyro te KEDS permes E-banking Pa pagese Pa pagese
Pagesat KOS Gyro te Telekomit per E-banking Pa pagese Pa pagese
Pagesa KOS Gyro te Ujesjellesit Prishtina permes
E-banking Pa pagese Pa pagese

Pagesat Kos Gyro te Doganave permes E-banking € 0.50 € 0.50

Pagesat e tatimit permes E-banking € 0.50 NA
Fee for private individuals Current account and other Start Package
Transfer between accounts in Raiffeisen Bank in
Kosovo (via E-banking) free of charge free of charge
Transfer via standing order - contract concluded
via E-banking free of charge free of charge

Transfer to other banks in Kosovo via E-banking € 0.75 € 0.75

CFA payment via E-banking Free of charge Free of charge
GIRO payments at the branch € 1.50 € 1.50
GIRO payments via E-banking Free of charge Free of charge
AKP payments via E-banking € 1.50 € 1.50
International outgoing transfers through E-
banking € 10.00
E-Banking SMS
SMS option application € 5.00 included in the pac
SMS Solution Account monthly maintenance fee
per user € 0.50 included in the pac
Fee for every SMS Banking sent € 0.20 € 0.20
Bank ID option application 30€ or 1€ per 30€ or 1€ per
Per transakcion
Per transakcion
Mujore

Per transakcion
Per transakcion
Per transakcion

Per transakcion

Per transakcion
Per transakcion
Premium Package

free of charge

free of charge

€ 0.75
Free of charge
€ 1.50
Free of charge
€ 1.50

included in the package

included in the package

€ 0.20
included in the package
Transferet e parave Klient afarist Klient individual
Transferet nderbankare dalese € 1.75 € 1.75
Transferet nderbankare dalese me prioritet € 5.00 € 5.00
Transferet nderbankare dalese me E-banking € 0.75 € 0.75
Transferet hyrese € 1.50 € 1.50
Pranimi i pagesave € 1.50 € 1.50
Transferet nderkombetare dalese 0.3% min.15€/max.1000€ 0.3% min.15€/max.1000€
Transferet nderkombetare dalese me E-bankin 0.15% min.15€/max.1000€ N/A
Transferet nderkombetare hyrese 0.25% min.15€/max.1000€ 0.3% min.15€/max.1000€
Other Fees
International Incoming transfers € 6.00

International outgoing transfers in the branch € 20.00

International outgoing transfers through E-
banking € 10.00
Transfer between accounts in Raiffeisen Bank
in Kosovo € 1.00 free of charge
Transfer between accounts in Raiffeisen Bank
in Kosovo (via E-banking) free of charge free of charge
Transfer between - customer's accounts at
the branch € 1.00 free of charge
Transfer to other banks via branches € 2.50 € 2.50
Transfer to other banks in Kosovo via E-
banking € 0.75 € 0.75
Per transakcion
Per transakcion
Per transakcion
Per transakcion

Per transakcion
Per transakcion
Per transakcion

free of charge

free of charge

free of charge
€ 2.50

€ 0.75
 Kliente afariste Klient individual
Kredit kartelat Biznes Starkartela Starkartela
Norma vjetore e interesit per pagese minimale 24% 24%
Norma vjetore e kamates vonese 48% 48%
Norma e interesit per terheqje te keshit 24% 24%

Per blerjet 50€ - Per blerjet 50€ -

299.99€ aplikohet 299.99€ aplikohet
Pagesat online dhe pagesat ne POS ne terminalet jasht Kosoves komisioni 2.5%, min. komisioni 2.5%,
me 2 keste 3€ min. 3€
Per blerjet mbi 300€ Per blerjet mbi
Pagesat online dhe pagesat ne POS terminalet jasht Kosoves aplikohet komisioni 300€ aplikohet
me 3 keste 3€ komisioni 3€
Terheqja e parave te gatshme ne bankomatet ne ndertesat e
bankes dhe jashte bankes 2.5% min. 3€ 2.5% min. 3€
Terheqja e parave te gatshme ne bankomatet e bankave te
tjera brenda Kosoves 2.5% min. 3€ 2.5% min. 3€
Terheqja e parave te gatshme ne bankomatet e bankave te
tjera jasht Kosoves 2.5% min. 3€ 2.5% min. 3€
Transakcionet permes ATM-it
Debit karteles
Transferet te brendshme bankare Pa pagese € 1.00
Transferet ne banka tjera vendore € 1.50 € 1.50
Pagesat ne POS terminale te bankes tone Pa pagese Pa pagese
Pagesat ne POS terminale te bankave te tjera brenda Kosoves 1% 1%
Pagesat ne POS terminale te bankave te tjera jashte Kosoves Pa pagese Pa pagese
Pagesat permes internetit
Blerjet online me Starcard Pa pagese Pa pagese
Blerjet online me Debit Card 1% 1%

Tarifa per konvertim te valutash per transakcione qe nuk behen

ne EUR (ATM/POS) me Debit dhe Star Card 1% 1%
Debit kartelat
Terheqja e parave te gatshme ne bankomatet ne ndertesat e
bankes Pa pagese Pa pagese
Terheqja e parave te gatshme ne bankomatet jashte bankes Pa pagese Pa pagese
Terheqja e parave te gatshme ne bankomatet e bankave te
tjera 2% min. 2€ 2% min. 2€
Terheqja e parave te gatshme ne bankomatet e bankave te
tjera jasht Kosoves 2% min. 2€ 2% min. 2€
Pagesat ne POS terminale te bankes tone Pa pagese Pa pagese
Pagesat ne POS terminale te bankave te tjera brenda Kosoves 1% 1%
Pagesat ne POS terminale te bankave te tjera jashte Kosoves 1% 1%
Tarifa per pagesa KOS Gyro dhe kolektore Kliente afariste Klient individual
Pagesat KOS te kompanise se sigurimit permes E-banking € 0.50 € 0.50
Pagesat KOS Gyro te KEDS permes E-banking Pa pagese Pa pagese
Pagesat KOS Gyro te Telekomit per E-banking Pa pagese Pa pagese
Pagesa KOS Gyro te Ujesjellesit Prishtina permes E-banking Pa pagese Pa pagese
Pagesat Kos Gyro te Doganave permes E-banking € 0.50 € 0.50
Pagesat e kolektoreve - SHPK Terminali € 0.50 NA
Pagesa e kolektoreve - Deklarimi i tatimit (bilanci 0€) € 0.50 € 0.50
PTK ne TEB Pa pagese Pa pagese
Pagesat e tatimit permes E-banking € 0.50 NA
Tarifa per pagesa KOS Gyro dhe kolektore Kliente afariste Klient individual
Pagesat e Kolektoreve (kliente te bankes TEB) € 1.50 € 1.50
Pagesat e Kolektoreve (jo kliente te bankes TEB) € 5.00 € 5.00
Pagesat KOS Gyro (kliente te bankes TEB) € 1.50 € 1.50
Pagesat KOS Gyro (jo kliente te bankes TEB) € 5.00 € 5.00
Pagesat e Ujit KOS Gyro (kliente te bankes TEB) € 1.50 € 1.50
Pagesat e Ujit KOS Gyro (jo kliente te bankes TEB) € 3.00 € 3.00
Pagesa e kolektoreve - (Tarifa e Universitetit, kliente te bankes T € 1.50 € 1.50
Pagesa e kolektoreve - (Tarifa e Universitetit, jo kliente te banke € 3.00 € 3.00
Pagesat KOS Gyro te Kompanive te Sigurimeve (kliente te bankes € 1.50 € 1.50
Pagesat KOS Gyro te Kompanive te Sigurimeve (jo kliente te ban € 5.00 € 5.00
Debit Cards Visa Electron Debit Master Card
POS payments within Raiffeisen Bank network Free of charge Free of charge
Payments in other bank POS Terminals in the country 1% 1%
POS payments outside the country and online payments 1% 1%
Cash withdrawal from Raiffeisen Bank ATMs in Kosovo (for
package customers € 0.05 € 0.05
Cash withdrawal from Raiffeisen Bank ATMs in Kosovo, within
bank premises (for non package customers) € 0.20 € 0.30
Cash withdrawal from Raiffeisen Bank ATMs in Kosovo outside
bank premises (for non package customers) € 0.30 € 0.30
Cash withdrawal from any other bank ATM 2.5%, min. 4€ 2.5%, min. 4€
Cash withdrawal at banks outside Kosovo (cash counters or
exchange bureaus)and ATMs outside Kosovo 2.5%, min. 4€ 2.5%, min. 4€
Exchange currency fee for transactions performed outside the
country 2% 2%
Penalty fee for cash withdrawal from a blocked account € 15.00 € 25.00
Incoming online payments 1% 1%
Visa Bonus & Visa Gold Credit Cards Visa Bonus
Cash withdrawal from Raiffeisen Bank Atms/cash counters 2%, min. 4€
Cash withdrawal from ATMs/cash counters in the country 2.5%, min. 5€

Cash withdrawal from ATMs/cash counters outside the country 3%, min. 5€
POS payments within Raiffeisen Bank network Free of charge
Payments in other bank POS Terminals in the country 1%
POS payments outside the country and online payments 1%
Monthly cash withdrawal limit 50% of limit approved
Minimum payment 5%
Regular annual interest rate 25%
Effective annual interest rate 30%
Penalty interest 18% annually
Monthly statement fee Free of charge
Bonus on installment transactions 1%
Bonus on non-installment transactions 0.5%
Penalty fee for cash withdrawal from blocked account € 15.00
Exchange currency fee for transactions performed outside the
country 2%
Incoming online payments 1%
Master Card (charge card)
Minimum monthly salary € 300.00
Card issuance fee € 5.00
Replacement of a lost, stolen or damaged card € 5.00
Card maintence fee 20€ annually
Cash withdrawal from Raiffeisen Bank ATMs in Kosovo 2.% min. 5€
Cash withdrawal from any other bank ATM 2.% min. 5€
Cash withdrawal in banks outside Kosovo (cash counters or
exchange bureaus) 2.% min. 5€
Penalty fee for cash withdrawal from a blocked account € 25.00
Penalty interest 0.4% daily
Exchange currency fee for transactions performed outside the
country 2%
Incoming online payments 1%
AGRO VALIDITETI
24% Vjetore
48% Vjetore
24% Vjetore

NA Per transakcion

NA Per transakcion

2.5% min. 3€ Per transakcion

NA Per transakcion

NA Per transakcion

NA
NA
Pa pagese
1% Per transakcion
Pa pagese

Pa pagese
1%

1%

NA Per transakcion
NA Per transakcion

NA Per transakcion

NA Per transakcion
NA
NA Per transakcion
NA Per transakcion
Validiteti
Per transakcion
Per transakcion
Per transakcion
Per transakcion
 Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Validiteti
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Per transakcion
Master Card
Llogarite Kliente afariste Klient individual
Mirembajtja e llogarise rrjedhese € 1.00 € 0.75
Mirembajtja vjetore per TEB SMS Mbushje € 1.00 € 1.00
SMS Banking mirembajtja N/A € 1.00
Mobile banking mirembajtja N/A N/A
Kredit kartelat Biznes Starkartela Starkartela
Mirembajtja vjetore e karteles NA € 20.00
Mirembajtja vjetore e karteles - kartele shtese € 10.00 € 10.00
Fee for private individuals Current account and Start Package
Monthly fee equivalent to 0.75€ € 1.99
Monthly maintance fee € 0.20 included in the package
SMS Top Up or any other service fee € 0.10 included in the package
Fee for every SMS Banking sent € 0.20 € 0.20
Web account monthly maintenance € 0.50 included in the package
Master Card (charge card)
Card maintence fee 20€ annually
Validiteti
Mujor
Vjetore

AGRO VALIDITETI
€ 20.00 Vjetore
€ 10.00 Vjetore
Premium Package
€ 3.99
included in the package
included in the package
€ 0.20
included in the package