1. Classic Salary- Account
- Free opening
- 100 ALL monthly maintenance fee
- Withdrawal in the branch
for amounts over the withdrawal limit on ATMs – no commision
for amounts up to withdrawal limit on ATMs – 100 ALL
* If the customer of Classic Salary wants to be a Super Salary customer, it is necessary that the institution where he/she works to remake an agreement with the Bank.
Insured by DIA (Albanian Deposit Insurance Agency) for free
2. Debit Card - BanKomaT
- Maestro or Visa Electron
- Free printing
- Free usage
- Free POS payment
- Free website payment
- Linkage with 1 main account + 3 secondary account as preferred
- Automatic reprint of the Card/ PIN for free
Operations with BanKomaT in ATM-s of BKT:
- Withdrawal in LEK or EUR for free
- Verifying and printing of account balance and Overdraft limit for free
- Verifying and printing of the last transactions on the account for free
- Change of PIN for free as preferred
- Free mobile recharge
- The transaction of payment of the credit card for free
- Daily limit for withdrawal up to 75’000 LEK
- Unlimited transaction number
3. Credit Card - PRIMA
- MasterCard or Visa, Classic or Gold
- Limit up to 3 salary along with Overdraft (max. 1’000’000 LEK, 7’000 EUR against collateral)
- Free printing
- Free usage for the 1st year
- Free POS payment
- Free website payment
- Repayment period up to 40 days
- Minimum amount payment 25 %
- Full payment of monthly invoice with 0% interest
- Automatic reprint of the Card/ PIN for free
Operation with PRIMA in POS-s of BKT:
- Prima Këste (Installment): optional payment choice from 2 to 12 installments. Agreement with 0 % interest.
- Prima Extra: Bonus benefit going up to 10 % of the purchase
- Prima Falas (Free): Participation in the lottery that selects one winner each day.
Operation with PRIMA in ATM-s of BKT:
- Verifying and printing of card limits for free
- Verifying and printing of last invoice balance for free
- Withdrawal (advances) up to 10 % of the limit
- Change of PIN for free as preferred
4. Overdraft
- Limit up to 3 net salary along with Credit Card (max. 500’000 LEK, 5’000 EUR, 5’000 USD)
- Preferential interest BTH+9% or BTH+11 %, Euribor+10%, Libor+13%
- Free application
- Free disbursement
- Transfer (overdraft purchase) from other banks with the same conditions
- Guarantee not required
5. Individual Loans
- Super Loan
- Car Loan
- Consumer Loan with Collateral
- Home Improvement Loan
- Home Loan without Collateral – Zero level
- Home/ Home Construction Loan
- hop Loan
- Cash Collateral Loan
Preferential and competitive terms and conditions.
Transfer (credit purchase) from other banks with optimal conditions.
6. Deposits
- Time Deposit
- Elastic Deposit
- Record Deposit
- Matrushka Deposit
Insured by DIA (Albanian Deposit Insurance Agency) for free
7. “Femija Im” Deposit
- Monthly standing instruction from salary account
- Interest over the daily balance
Insured by DIA (Albanian Deposit Insurance Agency) for free
8. Direct Debit (authorization for automatic bill payment)
- OSHEE
- ALBtelecom
- Telekom Albania
- Vodafone
- UKT
- UKD
- UKKO
- UKV
All for free.
9. Payment
- Bills
- Police Traffic Fine
- Customs Duties
- Education fee payment
- Pay TV subscription
Free from “Internet” branch or BKT Smart.
10. Mobile recharges (only in “Internet” branch, BKT Smart and Atm)
- ALBtelecom
- Telekom Albania
- Vodafone
For free.
11. “Internet” branch
- Register from web page of BKT, for free
- Usage for free
- 24 hour Service.
12. BKT Smart (bank mobile application)
- Usage for free
- 24 hour Service.
13. Branch Service
- 67 Branches in Albania open from Monday to Friday 08:30-15:30.
- 2 Branches, Kristal Branch and Concord Branch – Tirana open 09:00 - 20:00 during the week,
- 09:00-16:00 on Saturday and 10:00-14:00 on Sunday.
- Kastrioti Branch in Fier open 09:00 – 16:00 on Saturday
- 1 Customs Agencies (Durrës Port) in Albania open 7 days a week 09:00-16:30
- 1 Forex in Tirana International Airport open 7 days a week 24 hour
- 27 Branches operating in Kosovo
14. Services 24/7
- 94 ATM-s in Albania and 15 of them you can make ‘cash in’ transactions & 54 in Kosovo and 18 of them you can make ‘cash in’.
- Internet Banking
- BKT Smart ( Banking mobile application)
- Call Center