Business Debit Card
The Business Debit Card is a new product designed to support companies in better managing their daily financial operations.
Through the business debit card, companies can deposit and withdraw funds from their primary account in Lek, and from their secondary accounts in Euro and USD at any ATM.
Additionally, companies can make direct purchases at POS terminals or online, without any commission.
Key Benefits
- Speed and simplicity – Eliminates manual form‑filling and reduces processing time. The authorized employee deposits or withdraws funds without manual procedures.
- Enhanced security – Every deposit or withdrawal is linked to the business accounts through configurations in the Business Internet Branch, avoiding errors and ensuring transparency.
- Full financial control – The business monitors in real time all deposits and withdrawals performed by authorized employees.
- Automatic authorization – Funds become immediately available in the account at the moment of deposit.
By using the business debit card, company representatives no longer need to wait in branch to perform deposits, withdrawals, or transfers.
The Business Debit Card is one of the most reliable payment methods available.
After completing a withdrawal or deposit transaction with the debit card, the daily limit is automatically updated and displayed dynamically, reflecting only the remaining amount the client may use for upcoming transactions.
Security
The Business Debit Card includes multiple security features. The cards are equipped with a Personal Identification Number (PIN) and use CHIP technology to store and protect information.
ATM Deposit Limits with Business Debit Card
- Daily limit in Lek: 1,500,000 ALL – maximum deposit amount at the ATM.
- Daily limit in Euro: 1,500,000 ALL equivalent – maximum deposit amount at the ATM.
The combination of currencies cannot exceed the 1,500,000 ALL limit or equivalent.
ATM Withdrawal Limits with Business Debit Card
- Daily limit in Lek: 150,000 ALL
- Daily limit in Euro: 1,000 EUR
- Monthly limit in Lek: 5,000,000 ALL
- Monthly limit in Euro: 40,000 EUR
ATM Deposit Limits with Unique Code
- Daily limit in Lek: 950,000 ALL
- Daily limit in Euro: 5,000 EUR
- Monthly limit in Lek and Euro: Equal to the sum of daily limits
ATM Deposit Limits with QR Code
- Daily limit in Lek: 950,000 ALL
- Daily limit in Euro: 5,000 EUR
- Monthly limit in Lek and Euro: Equal to the sum of daily limits
Application
Application for a Business Debit Card can be completed at any BKT branch.
Exchange Rate
The exchange rate applied for purchases and cash withdrawals in foreign currency is higher than the exchange rate published on the bank’s channels that is applied for other conversions.
Since these types of transactions are considered international, the value conversion is affected both by the exchange rate and by the commissions applied by Mastercard.