TEB Stars

e-Banking Login

Individual Business

e-Banking Login

Individual Business


Pricelist

Business General Fees

COMMISSION TYPES COMMISSION
Accounts Business clients Validity
Current Account Maintenance Fee € 1.00 Monthly
Savings Account Maintenance Fee Free of charge Monthly
Current Account Opening Free of charge For current account
Current Account Closure (upon client’s request) € 2.50
Savings Account Opening / Closure Free of charge
Time Deposit Account Opening / Closure Free of charge
Flexi Account Opening / Closure Free of charge
Withdrawal fee from Flexi account € 6.00 The fee applies if more than 5 withdrawals or transfers are made during the month, then this fee applies for any withdrawal or transfer
Contract on the conditional transaction account € 30.00 Will be equally transferred by Buyer and Seller
Account statements in MT940 format/ service maintenance € 50.00 Monthly
Account statements in MT940 format / SWIFT costs € 0.17 Monthly (for every account statement submitted during the month)
COMMISSION TYPES COMMISSION
Accounts Business clients Validity
Time Out Loan € 10.00 Per account
Cash deposit in cash box (in EUR currency) € 1.00 Valid for amount >=5 € - <=9,995 €
Deposit by third parties (in EUR currency)** € 1.00 Per transaction
Joint Account Opening (2 or more co-owners) Not applicable Per account
Credit Products Closure Confirmation € 2.50 The fee applies to the closing confirmation where all credit products may be included
Person's Authorization per account Free of charge Per authorization
Money transfers
Outgoing transfers for other banks in Kosovo € 1.75 Per transaction
Outgoing transfers for other banks in Kosovo with priority*** € 5.00 Per transaction
Outgoing transfers for other banks in Kosovo using E-Banking € 0.75 Per transaction
Outgoing transfers for other banks in Kosovo using E-Banking with priority € 4.00 Per transaction
Outgoing transfers for other banks in Kosovo using TEB Mobile € 0.75 Per transaction
National incoming transfers € 0.00 Per transaction
Kos Gyro for incoming payments € 1.50 Per transaction
Fee on unused overdraft amount 0.25% / € 1,000 Max End of each quarter
Overdraft early prepayment commission 1% / € 500 Max Annual
Massive execution of payments € 2.00 Per Beneficiary Bank
International outgoing transfers EUR***** 0.30 % min. € 15 / max. € 1,000 Per transaction
International outgoing transfers USD***** 0.30 % min. € 15 / max. € 1,000 Per transaction
International outgoing transfers CHF***** 0.30 % min. € 15 / max. € 1,000 Per transaction
International outgoing transfers GBP***** 0.30 % min. € 15 / max. € 1,000 Per transaction
International outgoing transfers via e-Banking EUR***** 0.15% min. € 15 / max. € 1,000 Per transaction
International outgoing transfers via e-Banking USD***** 0.15% min. € 15 / max. € 1,000 Per transaction
International outgoing transfers via e-Banking CHF***** 0.15% min. € 15 / max. € 1,000 Per transaction
International outgoing transfers via e-Banking GBP***** 0.15% min. € 15 / max. € 1,000 Per transaction
International incoming transfers EUR* 0.25% min. € 15 / max. € 1,000 Per transaction
International incoming transfers USD* 0.25% min. € 15 / max. € 1,000 Per transaction
International incoming transfers CHF* 0.25% min. € 15 / max. € 1,000 Per transaction
International incoming transfers GBP* 0.25% min. € 15 / max. € 1,000 Per transaction
Automatic notification of SWIFT via e-mail € 0.15 Per transaction
Transfer reclamation fee Depends from correspondent bank Per transaction
Within bank transfers € 1.00 Per transaction (the same price in any currency)
Transfers within the bank using E-Banking Free of charge Per transaction
Transfers within the bank using TEB Mobile Free of charge Per transaction
Transfers within the bank between client accounts Free of charge Per transaction
Transfers within child accounts Free of charge Per transaction
Others
E-banking fee € 0.50 Monthly
E-banking PIN code resetting in Branch Free of charge Per resetting
E-banking PIN code resetting through Call Center Not applicable
Standing order - contract in branch Free of charge Per definition
Standing order - contract in e-banking Not applied Per definition
Reference Letter € 2.50 Per reference
Cheques conversion 1.50% min 30 € Per transaction
Annual maintenance for TEB SMS Top-Up € 1.00 Annual
Transaction fee for TEB SMS Top-Up € 0.10 Per transaction
Fee for TEB SMS notification / request € 0.20 Per transaction
Fee for Ipko Digital TV & Internet Not applicable Per transaction
Fee for Ipko Digital TV & Internet using E-Banking Not applicable Per transaction
Fee for Ipko Digital TV & Internet using TEB Mobile Not applicable Per transaction
Cash Withdrawal in cash counters******* € 2 up to 2,000 EUR ; € 1 above 2,000 up to 10,000 EUR ; Above 10,000 - 0.01% of the amount Per transaction
Deposit fee for coins 5% In total amount if more than 50 coins
Visa Confirmation € 2.50
Account Statement sent by mail € 2.00
Change of Pledge registration € 30.00 Per transaction
Request for a payment copy € 2.50
Mobile Banking maintenance ****** Not applicable
Card PIN Code resetting in Branch Free of charge
Card PIN Code resetting at the ATM Free of charge
KESCO invoice payments through SMS € 0.50 Per transaction
Customs invoice payments through SMS € 0.20 Per transaction

** Deposit by third parties (in EUR currency) – will be without commission for Corporate Clients only for Daily Turnover.
*** Valid only for transfers up to 10,000 EUR
***** The fees applied by the Corresponding Bank for international outgoing transfers are not included in the pricelist
****** If the customer has e-banking, M-banking monthly payment is free of charge
*******Cash Withdrawal in cash counters – new commission will be applied from 01.04.2020.

COMMISIONS AND FEES FOR CARDS

COMMISSION TYPES COMMISSION COMMISSION
BUSINESS CLIENTS
Credit cards Business StarCard AGRO VALIDITY
Administrative expenses for the main card limit 20.00 € Free of charge Fee applied only once
Card annual maintenance fee Free of charge 20.00 € Annual
Card annual maintenance fee - additional card 10.00 € 10.00 € Annual
Card issuance Free of charge Free of charge Per card
Change of card (additional card) Card re-issuance 2.50 € 2.50 € Per card
Credit card statement delivery Free of charge Free of charge Per statement
Credit card statement delivery via mail 2.50 € 2.50 € Per delivery
Monthly fee for card status Free of charge Free of charge
Fee on overdraft excess 5.00 € Not applicable Per transaction
Warning fee (SMS/Letter) for delay on payment of credit products 2.50 € 2.50 € Prior to any change on KCR (Kosovo Credit Registry) categories
Annual interest rate for maximum payment 0% 0% Annual
Annual interest rate for minimum payment 24% 24% Annual
The annual rate of interest delay ***The interest rate shall be calculated on the basis of the requirement of the CBK Regulation
Cash reversal expenses (only for unjustified complaints) 25.00 € 25.00 € Per complaint
Interest rate for cash withdrawal 24% 24% Annual
Limit increase for Credit Card 3.00 € 3.00 € Limit increase
KOS Gyro and Collector payments in cash counters by card in a single transaction* Free of charge Free of charge Per transaction
KOS Gyro and Collector payments by card up to three installments (aplicable to all payment channels) 2% - min 2€ 2% - min 2€ Per transaction
Online payment and international POS payment with 2 installment For purchases from €50 - €299.99 a commission of 2.5%, min. €3 applies Not applicable Per transaction
Online payment and international POS payment with 3 installment For purchases over €300 a commission of 3%, min. €3 applies Not applicable Per transaction
Cash withdrawals with Credit Card
Cash withdrawals in ATMs inside and outside bank premises 2.5% - min 3€ 2.5% - min 3€ Per transaction
Cash withdrawals on other banks ATMs in Kosovo 2.5% - min 3€ Not applicable Per transaction
Cash withdrawals on other banks ATMs outside Kosovo 2.5% - min 3€ Not applicable Per transaction
STARCASH (cash withdrawal in installments)
Fee for cash withdrawal in installments 2.5% - min 3€ 2.5% - min 3€ Per transaction
Interest rate for cash withdrawal in installments 24% 24% Annual
Cash withdrawal fee for card holder of other countries 5.00€ Not applicable Per withdrawal
Dynamic Currency Conversion - DCC 6% Not applicable Per withdrawal
Transactions via ATM
Debit Card
Internal bank transfers Free of charge Free of charge Per transaction
Transfers to other domestic banks 1.50 € Not applicable Per transaction
Credit cards
Payment of card debt with cash deposit at cash box 1.00 € 1.00 € Applicable for all amounts, including payments for credit cards of other persons
Payment of card debt from account at ATM Free of charge Free of charge Per transaction
Payment of card debt with cash deposit at ATM Free of charge Free of charge Per transaction
Card debt payment for other persons at ATM Free of charge Free of charge Per transaction
Payment of card debt through E-Banking Free of charge Free of charge Per transaction
Payment of card debt through TEB Mobile Free of charge Free of charge Per transaction
Payments in POS Terminals
Payments in our bank POS Terminals Free of charge Free of charge
Payments in other banks POS Terminals in Kosovo Free of charge Not applicable
Payments in other banks POS Terminals outside Kosovo Free of charge Not applicable
Fee for currency conversion for transactions that are not performed in EUR (ATM / POS/Online)with Debit and Star Card 1% 1%
Payments via Internet
Online purchases with Star Card Free of charge
Online purchases with Debit Card 1%
Allowed limits
Max. daily limit for cash withdrawals in ATM with Debit Card 2,000 € Not applicable Daily (applicable for a debit business card is 300 €, 500 €, 1.000 €, 1.500 € and 2.000 €)
Maximum daily limit of cash deposit on ATM with Debit Card 9,995 € Not applicable The daily accumulated limit per client
Daily max. cash withdrawal limit at ATMs with Credit Card 500€ 500€ The daily accumulated limit per client
Maximum daily limit for Credit Card cash payment 5,000 € 5,000 € The daily accumulated limit per client
Allowed limit for cash withdrawal with Credit Card 25% 50% Of limit
Allowed limit for withdrowing cash in ATM (national and international card) 500€ Not applicable Daily limit
Debit Card
Issuance 2.50 € Not applicable Per card
Cash withdrawals in ATMs in bank premises and outside bank premises Free of charge Free of charge Per transaction
Cash withdrawal in other banks ATMs in Kosovo 2.0% - min 2€ Not applicable Per transaction
Cash withdrawal in other banks ATMs outside Kosovo 2.0% - min 2€ Not applicable Per transaction
Money deposit in ATM Free of charge Free of charge Per transaction
Payments in our bank POS Terminals Free of charge Free of charge Per transaction
Payments in other banks POS Terminals in Kosovo Free of charge Not applicable Per transaction
Payments in other banks POS Terminals outside Kosovo 1% Not applicable Per transaction
POS Terminals BUSINESS CLIENTS AGRO Criterion for commission
Commission for non active POS Terminals 2.50 € 2.50 € Last 3 months < €150 turnover per POS Terminal
POS account maintenance 1.00 € 1.00 € Per account
Commission for POS with telephone, ethernet line Free of charge Free of charge Per POS
GPRS-POS commission 5.30 € 5.30 € Per POS
*For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collectors apply.
** For institutional and utility payments with Starcard in two or three installments, fees mentioned at Commissions and fees for cards apply.
COMMISSION
COMMISSION TYPE BUSINESS CLIENTS VALIDITY
Online payments at certified merchants with 3D Secure
For Online purchases up to 4.99€ with credit card/one-time password Free of charge Per transaction authorization
One-time password for Online purchases from 5.00€ and more with credit card 0.10€ Per transaction authorization
One-time password for Online purchases with debit card 0.10€ Per transaction authorization
  • Effective Interest Rates (IER): IER is calculated according to provisions of the CBK Regulation on Effective Interest Rate and Disclosure Requirements and under assumptions set out in this regulation:

a)  If the client uses the total limit amount of 1,000 Eur immediately for payment in 12 installments and fully repays the debt based on the latest balance of each month, and the bank applying the card maintenance fee, then the EIR is 3.65%.

b)  If the client uses the total limit amount of 1,000 Eur immediately for payment in 12 installments and pays the minimum based on the latest balance of each month, and the bank applying the card maintenance fee, then the EIR is 10.21%.

c)  If the client uses the total limit amount of 1,000 Eur immediately and thoroughly only for purchase and payment (without installments), the limit is offered for one year, the amount for each repayment is 15% (minimum payment), and with the bank applying the maintenance card fee, then the EIR is 25.64%.

d)  If the client uses the total limit amount of 1,000 Eur immediately for advance cash withdrawal, the limit is offered for one year, the amount for each repayment is 15% (minimum payment), and when the bank applies the card maintenance fee and the fee is based on the value calculated on the withdrawn amount according to the bank’s pricelist, then the EIR is 35.12%.

KOS GYRO AND COLLECTOR PAYMENT FEES VIA E-BANKING

COMMISSION TYPES COMMISSION
Kos Gyro and Collector payment fees Business Clients VALIDITY
Insurance Company Kos Gyro payments via E-banking 0.50 € Per transaction
Kos Gyro payments for Sigma insurance company (voluntary payments) 0.50 € Per transaction
KESCO Kos Gyro payments via E-banking Free of charge Per transaction
TELEKOM Kos Gyro payments via E-banking Free of charge Per transaction
Prishtina RWC Kos Gyro payments via E-banking Free of charge Per transaction
Customs Kos Gyro payments via E-banking 0.50 € Per transaction
Other KOS Gyro payments 0.50 € Per transaction
Collector payments - Terminali Shpk 0.50 € Per transaction
Collector payments - Tax declaration (Balance €0) 0.50 € Per transaction
PTK in TEB Free of charge Per transaction
Tax payments via E-banking 0.50 € Per transaction
Kos Gyro And Collector Payment Fees Via TEB Mobile
COMMISSION TYPES COMMISSION
Kos Gyro and Collector payment fees Business Clients VALIDITY
Insurance Company Kos Gyro payments via TEB Mobile € 0.50 Per transaction
Kos Gyro payments for Sigma insurance company (voluntary payments) € 0.50 Per transaction
KESCO payments via TEB Mobile Free of charge Per transaction
TELEKOM Kos Gyro payments via TEB Mobile Free of charge Per transaction
Customs Kos Gyro payments via TEB Mobile € 0.50 Per transaction
Other KOS Gyro payments € 0.50 Per transaction

KOS GYRO AND COLLECTOR PAYMENT FEES ON THE BRANCH

COMMISSION TYPES COMMISSION
Kos Gyro and Collector payment fees Business Clients VALIDITY
KESCO payments (via account) 1.50€ Per transaction
KESCO payments (with cash) 5.00€ Per transaction
KESCO payments (with Credit Card) 1.50€ Per transaction
Collector payments (via account) 1.50€ Per transaction
Collector payments (with cash) 5.00€ Per transaction
Collector payments (with Credit Card) 1.50€ Per transaction
Kos Gyro payments (via account) 1.50€ Per transaction
Kos Gyro payments (with cash) 5.00€ Per transaction
Kos Gyro payments (with Credit Card) 1.50€ Per transaction
Kos Gyro water supply payments (via account) 1.50€ Per transaction
Kos Gyro water supply payments (with cash) 5.00€ Per transaction
Kos Water payments (with Credit Card) 1.50€ Per transaction
Collector payments (University fee, via account) 1.50€ Per transaction
Collector payments (University fee, with cash) 3.00€ Per transaction
Collector payments (with Credit Card) 1.50€ Per transaction
Insurance Company Kos Gyro payments (via account) 1.50€ Per transaction
Insurance Company Kos Gyro payments (with cash) 5.00€ Per transaction
Insurance Company Kos Gyro payments (with Credit Card) 1.50€ Per transaction
Kos Gyro payments for Sigma insurance company (voluntary payments) 0.50€ Per transaction (applies for cash payments, from account, credit card)

PRICE LIST FOR DOCUMENTARY BUSINESS

COMMISSION TYPES COMMISSION COMMISSION
Letter of Credit (LC) Fees EUR Fees USD
Commission for Cash Covered LC 1.2% Annual 25 Min 1.2% Annual 25 Min
Commission for Financed Letter of Credit 4.5% Annual 100 Min 4.5% Annual 100 Min
Checking documents for LC 75 100
Discount of LC 8.2% p.a Not applicable
Commitment fee (admin.expens.) 0.3% Per transaction 0.3% Per transaction
Notice Expenses for Letter of Credit 75 100
Payment under LC 10 Not applicable
Delivery fee 10 Not applicable
Letter of (LG)
Commission for Cash Covered LG 1.2% Annual 25 Min 1.2% Annual 25 Min
Commission for Financed LG 5.0% Annual 100 Min 5.0% Annual 100 Min
Implementation fee 0.3% in the required amount 50 Min Not applicable
Commitment fee (admin.expens.) 0.3% Per transaction 0.3% Per transaction
Notice Costs for Letter Guarantees 10 10
Payment under LG 10 Not applicable
Change fee for International Guarantees 10 Not applicable
Change fee for National Guarantees 15 Not applicable
Cancellation Fee for International Guarantees 30 Not applicable
Delivery fee 50 Not applicable
Inkaso Dokumentare
Inkaso Dokumentare 0.3% / 50 Min Not applicable
Communication expenses 20 Not applicable
Delivery fee 50 Not applicable
Payment for "Promissory note" 30 Not applicable
Approval fee for inkaso dokumentare 20 Not applicable
Payment on a specified date for collection with deferred payment 25 Not applicable
Confirmation commission for LG/LC (for TEB, BNP) 1.5% Annual 150 Min Not applicable

CORRESPONDENT BANK FEES

Payments ADDITIONAL FEES FOR CORRESPONDENT BANKS VALIDITY
EUR Payments within Austria (fixed fee for all the payments) 5.00 EUR Per transaction
EUR Payments up to 12.500€ (except Turkey and Germany) 8.00 EUR Per transaction
EUR Payments from 12.500,01€ to 25.000€ (except Turkey and Germany) 12.00 EUR Per transaction
EUR Payments from 25.000,01€ to 50.000€ (except Turkey) 12.00 EUR Per transaction
EUR Payments from 50.000,01€ (except Turkey) 20.00 EUR Per transaction
EUR Payments for Turkey (except TEB Turkey - fixed fee for all the payments) 20.00 EUR Per transaction
EUR Payments for TEB Turkey (fixed fee for all the payments) 2.00 EUR Per transaction
EUR Payments in Germany from 0€ to 2.500€ 3.50 EUR Per transaction
EUR Payments in Germany from 2.500,01€ to 10.000€ 7.00 EUR Per transaction
EUR Payments in Germany from 10.000,01€ to 25.000€ 10.00 EUR Per transaction
USD Payments (fixed fee for all the payments) 22.00 USD Per transaction
CHF Payments (fixed fee for all the payments) 12.00 CHF Per transaction
GBP Payments (fixed fee for all the payments) 25.00 GBP Per transaction

DEPOSITS AND SAVINGS

Term Deposit Accounts EUR
EUR
Period Interest Rate Effective Interest Rate
1 Month 0.00% Annual 0.00% Annual
3 months 0.00% Annual 0.00% Annual
6 Months 0.00% Annual 0.00% Annual
9 Months 0.00% Annual 0.00% Annual
12 Months 0.10% Annual 0.09% Annual
13 Months 0.15% Annual 0.13% Annual
15 Months 0.20% Annual 0.18% Annual
18 Months 0.25% Annual 0.22% Annual
24 Months 0.35% Annual 0.31% Annual
36 Months 0.55% Annual 0.49% Annual
48 Months 0.75% Annual 0.67% Annual
60 Months 1.00% Annual 0.90% Annual
Term Deposit Accounts other currencies Period Interest Rate Effective Interest Rate
USD 1 - 12 Monthly 0.00% Annual 0.00% Annual
CHF 1 - 12 Monthly 0.00% Annual 0.00% Annual
GBP 1 - 12 Monthly 0.00% Annual 0.00% Annual
*For term deposits over 60 months, please visit one of the branches of TEB Bank
**Interest rates are set annually. Existing accounts (agreements) will not be affected
Fee for massive cash deposit
Massive cash deposit fee / Applicable to legal entities Clients whose monthly average of deposit transaction is over 300 1.50€ Per transaction
*The fee shall be affective on 14.01.2017
Flexi Account
Currency Interest Rate Effective Interest Rate
EUR 0.05% Annual 0.04% Annual
Saving Account
Currency Interest Rate Effective Interest Rate
EUR 0.04% Annual 0.04% Annual
USD 0.00% Annual 0.00% Annual
CHF 0.00% Annual 0.00% Annual
GBP 0.00% Annual 0.00% Annual

For any time deposit agreement termination prior to maturity, penalty will apply
Income tax of 10% is deducted from gross accrued interest
Please, visit our portfolio officers for a detailed calculation of any deposit request. The calculation method is provided by bank staff, on customer request. The bank calculates effective interest rate on loans and deposits based on the CBK regulation on ‘‘effectiveinterest rates and requirements for disclosure’’ and it is disclosed in the contract between bank and customer

BUSINESS LOANS

LOAN TYPE Duration Annual Rate Monthly rate Effective Interest Rate Disbursement expenses Fee for early loan payment
Up to 10,000€ 0 - 12 months 15.00% 1.25% 18.31% 1.00% 50% of the remaining interest.
10,001€ - 50,000€ 0 - 12 months 10.80% 0.90% 12.41% 0.50% 50% of the remaining interest.
50,001€ - 250,000€ 0 - 12 months 9.84% 0.82% 11.34% 0.50% 50% of the remaining interest.
> 250,000€ 0 - 12 months 8.88% 0.74% 10.28% 0.50% 50% of the remaining interest.
Other loans
Agro loans 500 - 5,000€ 0 - 36 months 21.60% 1.80% 27.52% 1.50% 50% of the remaining interest (or 20% in the case of grant financing).
Agro loans 5.001 - 10,000€ 0 - 36 months 18.00% 1.50% 23.06% 1.50% 50% of the remaining interest (or 20% in the case of grant financing).
Agro loans 10.001 - 30,000€ 0 - 36 months 12.84% 1.07% 16.92% 1.50% 50% of the remaining interest (or 20% in the case of grant financing).
Agro loans > 30,000€ 0 - 36 months 9.84% 0.82% 12.40% 1.00% 50% of the remaining interest (or 20% in the case of grant financing).
Entrepreneurial Loans for Women (start-up) 0 - 12 months 9.48% 0.79% 9.90% 0.00% 50% of the remaining interest.
Entrepreneurial Loans for Women 0 - 12 months 9.48% 0.79% 12.00% 1.00% 50% of the remaining interest.
Car Loans 0 - 60 months 9.48% 0.79% 13.08% 1.50% 50% of the remaining interest.
Business overdraft €0 - €9,999 max. 24 months 16.08% 1.34% 18.60% 1.00% 50% of the remaining interest.
Spot Loans €0 - €9,999 max. 12 months 16.08% 1.34% 18.60% 1.00% 50% of the remaining interest.
Revolving Loans €0 - €9,999 max. 12 months 16.08% 1.34% 18.60% 1.00% Not applicable.
Business overdraft €10,000 - €50,000 max. 24 months 13.56% 1.13% 15.05% 0.50% 50% of the remaining interest.
Spot Loans €10,000 - €50,000 max. 12 months 13.56% 1.13% 15.05% 0.50% 50% of the remaining interest.
Revolving Loans €10,000 - €50,000 max. 12 months 13.56% 1.13% 15.05% 0.50% Not applicable.
Business overdraft > €50,000 max. 24 months 10.92% 0.91% 12.07% 0.50% 50% of the remaining interest.
Spot Loans > €50,000 max. 12 months 10.92% 0.91% 12.07% 0.50% 50% of the remaining interest.
Revolving Loans > €50,000 max. 12 months 10.92% 0.91% 12.07% 0.50% Not applicable.
Direct Debit system loan up to €10,000 max. 12 months 16.08% 1.34% 18.38% 1.00% Not applicable.
Direct Debit system loan over €10,000 max. 12 months 13.56% 1.13% 14.90% 0.50% Not applicable.
  • Effective interest rate for all types of loans is calculated according to the longest maturity of each type of loan noted in the price list.
  • Please, visit our portfolio officers for a detailed calculation of any loan request. The calculation method is provided by the bank staff, on customer request. The bank calculates effective interest rate on loans and deposits based on CBK regulation on “effective interest rates and requirements for disclosure” and it is disclosed in the contract between bank and the customer.
  • The borrower will bear the costs for the mortgage assessment, including the notarization fees of the mortgage contract and the mortgage registration fees in the cadastral register.
  • Interest will be applied for each delay in payment.
  • ***The interest rate shall be calculated on the basis of the requirement of the CBK Regulation on the interest rate which is the annual rate consisting of a reference rate increased by 8 percentage points fixed rate. The reference rate shall be changed and published by the CBK every six months on the internet web page https://www.bqk-kos.org/. On 1st February, it will be published the rate based on the average for the period July-December, which will be valid for the following period from 10th February to 9th August; whereas on 1st August of the calendar year, the rate based on the average for the period January-June is published, which is valid for the next period from 10th August to 9th of February. If the CBK has not published the new reference rate, the CBK reference rate recently published will be used.
Published on: 05.05.2020

Archive

© TEB ShA