1. Account - Super Salary
- Free account opening
- Super Salary current account with no maintenance fee
- Automatic bill payments with no commission
- Standing orders to any BKT account with no commission
- BANKOMAT debit card with no commission, as well as a free Preperso card provided at the moment the account is opened
- Free online and POS purchases with the debit card
- Free deposits and withdrawals using the debit card at Super or Smart ATMs, as well as the possibility to perform transactions via QR Code when the card is not available
- Up to 3 salaries overdraft or credit card
- Super Credit for salary holders
- Free BKT Smart notifications
- Withdrawals at branch:
- for amounts above the daily ATM withdrawal limit – no fee
- for amounts within the daily ATM withdrawal limit – 100 ALL commission
Deposit protection provided free of charge by ASD (Deposit Insurance Agency)
2. Debit Card - ATM
- Maestro or Visa Electron
- Free printing
- Free usage
- Free POS payment
- Free website payment
- Link to 1 primary account + 3 optional secondary accounts
- Free automatic card / PIN reprinting
Actions you can perform in BKT's Smart ATM network:
- Fast/normal withdrawal in ALL and EUR for free
- Checking the account status at any time for free and sending it to the E-mail address
- Checking the last transactions of the account and sending them for free to the E-mail address
- Change your card PIN as desired and free of charge
- Change of E-mail at any time for free
- Recharge your mobile from BKT ATMs anywhere in Albania 24 hours a day, 7 days a week. (option to activate a package)
- Free mobile top-up with card or without card
- Withdrawal from the credit card within the predetermined limit for Cash withdrawal.
- Pay your credit card for free
- Payment of another credit card (BKT)
- Daily withdrawal limit up to 75,000 ALL
- Deposit in ALL and EURO currencies (up to 950,000 ALL/ 5,000 EUR daily limit for each currency) for free
- Withdrawal without card (with Unique Code) for free (Daily Limit 10,000 ALL/ Monthly Limit 100,000 ALL)
- Viewing the Exchange Rate
- Unlimited number of transactions
3. Credit Card - PRIMA
- MasterCard or Visa, Classic or Gold
- Total limit up to 3 salaries including Overdraft limit (max. 1,000,000 ALL, 7,000 EUR to the corresponding collateral)
- Free printing
- 0 maintenance fee for the 1st year
- Free POS payment
- Free website payment
- Repayment period up to 40 days
- Minimum amount payment 25%
- Full payment of the monthly bill with 0% interest
- Free automatic card / PIN reprinting
Actions with PRIMA at BKT POS:
- Premium installments: payment options from 2 to 12 installments. 0% interest deal.
- Prima Extra: benefit from bonuses that go up to 10% of the purchase.
- Free Bonus: participation in the lottery that selects 10 winners per month
- PIN change as desired and free of charge
Actions with PRIMA at BKT ATMs:
- Verification and printing of card limits for free
- Verification and printing of the last invoice free of charge
- Withdrawal (advance) up to 10% of the limit
- PIN change as desired and free of charge
4. Bank Advance (Overdraft)
- Limit up to 3 net salaries with Credit Card (max. 500,000 ALL, 5,000 EUR, 5,000 USD)
- Preferential interest BTH+9% or BTH+11%, Euribor+10%, Libor+13%
- Free application
- Free disbursement
- Transfer (purchase bank advance) from other banks with the same conditions
- No warranty required
5. Individual loans
- Super Loan
- Car loan
- Collaterized consumer loan
- Home Improvement Loan
- Home loan without collateral - Zero level
- Home Loan/ House Construction
- Shop Loan
- Cash collateral loan
- Preferential and competitive terms and conditions.
- Transfer (credit purchase) from other banks with optimal conditions.
6. Deposit
- Time deposits
- Elastic Deposits
- Deposit Record
- Deposit Matrushka
- Step UP deposit
7. Deposit My Child
- Periodic monthly payment from the salary account
- Interest on the daily balance
- Maintenance without commission
- Account withdrawal without commission
- Commission-free deposit
- Bonus for every new account opened in the month of the child's birth
Insured by DIA (Deposit Insurance Agency) for free.
8. Direct Debit (authorization for automatic bill payment)
- FSHU
- One Albania
- Vodafone
- Digicom
- UKT
- UKD
- UKKO
- UKV
All automatic bill payments are free.
9. Payment
- Invoices
- Traffic Police fine
- Customs Obligations
- Tuition fee payment
- Payment to the General Directorate of Taxes
- Payment to Budgetary Institutions
- Credit card payment
- Booking & payment of insurance policies (motor, property, health and travel health)
- Pay TV subscription
All these payments are made free of charge by the "Internet" branch and BKT Smart.
10. Mobile top-up (at the "Internet" branch, BKT Smart and ATM)
- One Albania
- Vodafone
All these payments are made free of charge
11. "Internet" Branch
- Registration from the BKT website, free of charge
- Free to use
- 24 hour service.
12. BKT Smart (telephone banking application)
- Registration from the BKT Smart application, free
- Free to use
- 24 hour service.
13. Branch service
- 61 branches in Albania are open from Monday to Friday, 08:30-15:00.
- BKT offers service 6 days a week at the following times: 11.30–17.30 on weekdays and 09.00–15.30 on Saturdays in the branches inside Kristal Center and Concord Center in Tirana
- 1 Forex at Tirana Airport open 7 days a week 24 hours.
14. 24/7 service
- 164 ATMs in Albania
- Internet Banking
- BKT Smart (telephone banking application)
- Contact Center
For more information on the Terms and Conditions, you can refer to the document on the official website www.bkt.com.al