Pricelist

General Tariffs

Commission types

Commission

Accounts

Individual clients

Validity

Current Account Maintenance Fee for salary receivers*

€ 1.00

Monthly

Current Account Maintenance Fee for non-salary receivers*

€ 1.50

Monthly

Current Account Maintenance Fee of currencies (USD, CHF, GBP)

0.75

Monthly

Savings Account Maintenance Fee (EUR, USD, CHF, GBP)

0.75

Monthly

Current Account opening

Free of charge

Per current account

Current Account Closure (upon client’s request)

€ 2.50

Fee will be applied only in the last closed current account

Savings Account Opening/Closure

Free of charge

Time Deposit 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

Child Savings Account Opening

Free of charge

Contract on the conditional transaction account

€ 30.00

Will be equally transferred by Buyer and Seller

Commission types

Commission

Accounts

Individual clients

Validity

Time Out Loan

€ 5.00

Per account

Cash deposit in Cash box (in EUR currency)

€ 1.00

Valid for amounts >=5 € - <=5,995 €

Deposit by third parties (in EUR currency)**

€ 1.00

Per transaction

Credit Products Closure Confirmation

€ 2.50

The commission is applied for credit products closure confirmation

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

International outgoing transfers EUR*****

0.30 % min. € 15 / max. € 1,000

Per transaction

International outgoing transfers USD*****

0.30 % min. $ 15 / max. $ 1000

Per transaction

International outgoing transfers GBP*****

0.30 % min. £ 15 / max. £ 1000

Per transaction

International outgoing transfers CHF*****

0.30 % min. CHF 15 / max. CHF 1000

Per transaction

International outgoing transfers via e-Banking EUR*****

0.15 % min. € 15 / max. € 1000

Per transaction

International outgoing transfers via e-Banking USD*****

0.15 % min. $ 15 / max. $ 1000

Per transaction

International outgoing transfers via e-Banking GBP*****

0.15 % min. £ 15 / max. £ 1000

Per transaction

International outgoing transfers via e-Banking CHF*****

0.15 % min. CHF 15 / max. CHF 1000

Per transaction

International incoming transfers EUR

0.30 % min. € 15 / max. €1000

Per transaction

International incoming transfers USD

0.30 % min. $ 15 / max. $ 1000

Per transaction

International incoming transfers CHF

0.30 % min. CHF 15 / max. CHF 1000

Per transaction

International incoming transfers GBP

0.30 % min. £ 15 / max. £ 1000

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 (same price for 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 the bank child accounts

Free of charge

Per transaction

Other

E-banking maintenance fee

€ 0.50

Monthly

E-Banking PIN code resetting in branch

Free of charge

For reset

Reset of PIN for E-Banking through Call center

Free of charge

For reset

Automatic order - contract completion in the Branch

Free of charge

For definition

Automatic order – contract completion for E-banking

Free of charge

For definition

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(applicable to all payment channels)

€ 0.10

Per transaction

Fee for TEB SMS notification

€ 0.20

Per SMS

Fee for Ipko Digital TV & Internet

€ 0.50

Per transaction

Fee for Ipko Digital TV & Internet using E-Banking

€ 0.50

Per transaction

Fee for Ipko Digital TV & Internet using E-Banking TEB Mobile

€ 0.50

Per transaction

Cash Withdrawal in cash counters*******

€2 up to 2000 EUR ; €1 over €2000 up to €10,000; over 10,000 0.01% from amount

Per transaction

Cash Withdrawal in cash counters from the child’s account

Free of charge

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

€ 1.00

For reset

Card PIN Code resetting at the ATM

Free of charge

Payment of KESCO bills through SMS

€ 0.50

Per transaction

Payment of CUSTOMS bills through SMS

€ 0.20

Per transaction

*Valid from 01.02.2021. For student accounts and pension accounts, account maintenance fees are not applicable.
** 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 – commissions will be applied to all currencies equivalent to EUR.
********Valid only for TEB Bank accounts.

Card commission and fees

Commission types

Commission

Credit cards

Individual clients

Validity

Credit cards

Starcard

Administrative expenses for the main card limit

Free of charge

Fee applied only once

Card annual maintenance fee

€ 20.00

Annual

Card annual maintenance fee - additional card

€ 10.00

Annual

Card issuance

Free of charge

Per card

Change of card (additional card) Card re-issuance

€ 2.50

Per card

Credit card statement delivery

Free of charge

Per statement

Credit card statement delivery via mail

€ 2.50

Per delivery

Monthly fee for cards status

Pa pagesë

Fee on limit excess

€ 2.00

Per transaction

Warning fee (SMS/Letter) for delay on payment of credit products

€ 2.50

Prior to any change on KCR (Kosovo Credit Registry) categories

Annual interest rate for maximum payment

0%

Annual

Annual interest rate for minimum payment

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

Per complaint

Interest rate for cash withdrawal

24%

Annual

Credit Card limit increase

€ 3.00

For limit increase

KOS Gyro and Collector payments in cash counters by card in a single transaction*

Free of charge

Per transaction

KOS Gyro and Collector payments in cash counters by card in single transaction*

2% - min. € 2

Per transaction

Online and international POS payment with 2 installments

For purchases from €50 - €299.99 a commission of 2.5%, min. €3 applies

Per transaction

Online and international POS payment with 3 installments

For purchases over €300 a commission of 3%, min. €3 applies

Per transaction

Cash withdrawals with Credit Card

Cash withdrawals in ATMs inside and outside bank premises

2.5% - min. € 3

Per transaction

Cash withdrawals on other banks ATMs in Kosovo

2.5% - min. € 3

Per transaction

Cash withdrawals on other banks ATMs outside Kosovo

2.5% - min. € 3

Per transaction

STARCASH (cash withdrawal in installments)

Fee for cash withdrawal in installments

2.5% - min. € 3

Per transaction

Interest rate for cash withdrawal in installments

24%

Annual

Withdrawal fee for card holders from other countries

Withdrawal fee for card holders from other countries/

€ 5

Per withdrawal

Dynamic currency conversion

6%

Per withdrawal

Transactions via ATM

Debit Kartelat

Internal bank transfers

Free of charge

Per transaction

Transfers to other domestic banks

€ 1.50

Per transaction

Credit cards

Payment of card debt with cash deposit at Cash Box

€ 1.00

Applicable for all amounts, including payments with credit cards of other persons

Payment of card debt from account at ATM

Free of charge

Per transaction

Payment of card debt with cash deposit at ATM

Free of charge

Per transaction

Payment of card debt for other persons at ATM

Free of charge

Per transaction

Payment of card debt through E-Banking

Free of charge

Per transaction

Payment of card debt through TEB Mobile

Free of charge

Per transaction

Customer credit card debt installment

Customer credit card debt with 2 installments

3.38%

Per transaction

Customer credit card debt with 3 installments

3.92%

Per transaction

Customer credit card debt with 4 installments

4.45%

Per transaction

Customer credit card debt with 5 installments

4.98%

Per transaction

Customer credit card debt with 6 installments

5.52%

Per transaction

Customer credit card debt with 7 installments

6.05%

Per transaction

Customer credit card debt with 8 installments

6.59%

Per transaction

Customer credit card debt with 9 installments

7.12%

Per transaction

Customer credit card debt with 10 installments

7.65%

Per transaction

Customer credit card debt with 11 installments

8.19%

Per transaction

Customer credit card debt with 12 installments

8.72%

Per transaction

Payments in POS Terminals

Payments in our bank POS Terminals

Free of charge

Payments in other banks POS Terminals in Kosovo

Free of charge

Payments in other banks POS Terminals outside Kosovo

Free of charge

Fee for currency conversion for transactions that are not performed in EUR (ATM/POS/Online) with Debit Card and Starcard

1 %

Per transaction

Payments via Internet

Online purchases with Starcard

Free of charge

Online purchases with Debit Card*

1 %

Per transaction

Allowed limits

Max. daily limit for cash withdrawals in ATM with Debit Card

€ 2,000

Daily

Maximum daily limit of cash deposit on ATM with debit card

€ 5,995

Daily accumulated limit

Daily max. cash withdrawal limit at ATMs with Credit Card

€ 500

Daily accumulated limit

Maximum daily limit for credit card payment in ATM

€ 5,000

Daily accumulated limit

Allowed limit for cash withdrawal with Credit Card

50 %

Of limit

Allowed limit for withdrawing cash in ATM (national and international card)

€ 500

Daily limit

Debit kartelat

Issuance

€ 2.50

Per card

Cash withdrawal in ATMs in bank premises and outside bank premises

Free of charge

Per transaction

Cash withdrawal in other bank's ATMs in Kosovo

2.0% - min. € 2

Per transaction

Cash withdrawal in other bank's ATMs outside Kosovo

2.0% - min. € 2

Per transaction

Money deposit in ATM

Free of charge

Per transaction

Payments in our bank's POS Terminals

Free of charge

Payments in other bank's POS Terminals in Kosovo

Free of charge

Payments in other bank's POS Terminals outside Kosovo

1 %

Per transaction

* For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collector fees apply

** For institutional and utility payments with Starcard in two or three installments, fees mentioned in KOS GYRO and Collector fees apply

Commission types

Commission

Online payments at certified merchants with 3D Secure

Private Clients

Validity

For Online purchases up to 4.99€ with credit card/one-time password (3D secure)

Free of charge

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

Normat e Efektive e Interesit (NEI): NEI llogaritet sipas dispozitave nga Rregulloret e BQK-së mbi Normën Efektive të Interesit dhe Kërkesat për Shpalosje dhe nën supozimet që i parasheh rregullorja:
a) Nëse klienti shfrytëzon tërë shumën e limitit prej 1,000 euro menjëherë për pagesë me 12 këste dhe paguan në tërësi borxhin sipas gjendjes së fundit të secilit muaj, dhe kur banka aplikon tarifë për mirëmbajtjen e kartelës,atëherë NEI është 3.65%.

b) Nëse klienti shfrytëzon tërë shumën e limitit prej 1,000 euro menjëherë për pagesë me 12 këste dhe paguan minimumin sipas gjendjes së fundit të secilit muaj, dhe kur banka aplikon tarifë për mirëmbajtjen e kartelës,atëherë NEI është 10.21%.

c) Nëse klienti shfrytëzon tërë shumën e limitit prej 1,000 euro menjëherë dhe plotësisht vetëm për blerje e pagesa(pa këste), limiti ofrohet për një vit, shuma për secilin kthim është 15% (pagesa minimale), dhe kur banka aplikon tarifë për mirëmbajtjen e kartelës, atëherë NEI është 25.64%.

d) Nëse klienti shfrytëzon menjëherë tërë shumën e limitit prej 1,000 Euro për tërheqje të parasë në formë avansi,limiti ofrohet për një vit, shuma për secilin kthim është 15% (pagesa minimale), dhe kur banka aplikon tarifë për mirëmbajtjen e kartelës dhe tarifë e bazuar në vlerë të llogaritura mbi shumën e tërhequr në përputhje me çmimoren e bankës, atëherë NEI është 35.12%.

* Limiti ditor maksimal për blerje online me Debit Kartelë është 500 EUR.

Kos Gyro and Collector payment fees

Commission

Commission types

Private Clients

Validity

Kos Gyro and Collector payment fees

Insurance Company Kos Gyro payments via E-banking

€ 0.50

Per transaction

KESCO Kos Gyro payments via E-banking

Free of charge

TELEKOM Kos Gyro payments via E-banking

Free of charge

Prishtina RWC Kos Gyro payments via E-banking

Free of charge

Customs Kos Gyro payments via E-banking/

€ 0.50

Per transaction

Other Kos Gyro payments

€ 0.50

Per transaction

Collector payments - Terminali Shpk

Not applicable

Collector payments - Tax declaration (Balance €0)

Not applicable

PTK in TEB

Free of charge

Tax payments via E-banking and TEB Mobile

€ 0.50

Per transaction

Kos Gyro and Collector payment fees

Commission types

Individual clients

Validity

Kos Gyro and Collector payment fees

Insurance Company Kos Gyro payments via TEB Mobile

€ 0.50

Per transaction

KESCO payments via TEB Mobile

Free of charge

TELEKOM Kos Gyro payments via TEB Mobile

Free of charge

Customs Kos Gyro payments via TEB Mobile

€ 0.50

Per transaction

Tax payments via TEB Mobile

€ 0.50

Per transaction

Other Kos Gyro payments

€ 0.50

Per transaction

Kos Gyro and Collector payment fees

Commission

Commission types

Private Clients

Validity

Kos Gyro and Collector payment fees

KESCO payments (via account)

1.50 €

Per transaction

KESCO payments (wih cash)

5.00 €

Per transaction

KESCO payments (wih 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

Deposits and Savings

Commission

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

0.00% Annual

0.00% Annual

13 Months

0.00% Annual

0.00% Annual

15 Months

0.00% Annual

0.00% Annual

18 Months

0.00% Annual

0.00% Annual

24 Months

0.00% Annual

0.00% Annual

36 Months

0.00% Annual

0.00% Annual

48 Months

0.20% Annual

0.18% Annual

60 Months

0.30% Annual

0.27% Annual

Term Deposit Accounts other currencies

Period

Interest rate

Effective Interest Rate

GBP

1 - 12 Months

0.00% Annual

0.00% Annual

USD

1 - 12 Months

0.00% Annual

0.00% Annual

CHF

1 - 12 Months

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.

Savings Account

Valuta

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 prematurely interruption of the deposit account agreement, punitive tariffs 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 ”effective interest rates and requirements for disclosure” and it is disclosed in the contract between bank and customer.

Correspondent bank fees

Payments

Correspondent bank fees

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)/

18.00 CHF

Per transaction

GDP Payments (fixed fee for all the payments)

25.00 GBP

Per transaction

Individual loans

Loan type

Loan amount

Afati

Annual rate

Monthly rate

Norma Efektive e Interesit

Disbursement expenses

Fee for early loan payment

Consumer loans

≥250

0 - 36 months

10.80%

0.90%

12.51%

1.50%

For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

≥250

37 - 84 months

11.90%

0.99%

13.11%

1.50%

For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Loan for house/apartment purchases for Budget salaries and Private Banking clients and Private Banking clients

≥250

0 - 180 months

5.88%

0.49%

6.21%

1.00%

** If the loan closes in the first year, five percent (5%) of the principal amount. ** If the loan closes in the second year, four percent (4%) of the principal amount ** If the loan closes in the third year, 3% (3%) of the principal amount. ** If the loan closes in the fourth year, two percent (2%) of the principal amount ** If the loan is closed in the fifth year, one percent (1%) of the principal amount. ** There will be no penalty payment after the fifth year of repayment.

Loan for house/apartment purchases for other salaries

≥250

0 - 180 months

6.60%

0.55%

6.97%

1.00%

** If the loan closes in the first year, five percent (5%) of the principal amount. ** If the loan closes in the second year, four percent (4%) of the principal amount ** If the loan closes in the third year, 3% (3%) of the principal amount. ** If the loan closes in the fourth year, two percent (2%) of the principal amount ** If the loan is closed in the fifth year, one percent (1%) of the principal amount. ** There will be no penalty payment after the fifth year of repayment.

Loan for house construction

≥250

0 - 120 months

6.60%

0.55%

7.04%

1.00%

** If the loan closes in the first year, five percent (5%) of the principal amount. ** If the loan closes in the second year, four percent (4%) of the principal amount ** If the loan closes in the third year, 3% (3%) of the principal amount. ** If the loan closes in the fourth year, two percent (2%) of the principal amount ** If the loan is closed in the fifth year, one percent (1%) of the principal amount. ** There will be no penalty payment after the fifth year of repayment.

Loan for house renovation

≥250

0 - 120 months

6.60%

0.55%

7.04%

1.00%

** If the loan closes in the first year, five percent (5%) of the principal amount. ** If the loan closes in the second year, four percent (4%) of the principal amount ** If the loan closes in the third year, 3% (3%) of the principal amount. ** If the loan closes in the fourth year, two percent (2%) of the principal amount ** If the loan is closed in the fifth year, one percent (1%) of the principal amount. ** There will be no penalty payment after the fifth year of repayment.

New Car Loans

≥250

0 - 36 months

9.96%

0.83%

11.57%

1.50%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

≥250

37 - 84 months

10.80%

0.90%

11.9%

1.50%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Used Car Loans

≥250

0 - 36 months

9.96%

0.83%

11.57%

1.50%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

≥250

37 - 84 months

10.90%

0.91%

12.03%

1.50%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Student Loans

≥250

0 - 60 months

7.90%

0.66%

8.91%

1.50%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Loans for clients who do not receive salary or rent through the bank

≥250

0 - 36 months

14.88%

1.24%

17.59%

2.00%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Loan for payees who can not transfer their salary to TEB Bank

≥250

0 - 84 months

9.48%

0.79%

10.61%

2.00%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Cash Cover Loan

≥250

0 - 84 months

3.00%

0.25%

3.19%

0.50%

*For the remaining maturity >12 months 1 % of unpaid loan principal; *For the remaining repayment period <12 months 0.5 % of the remaining principal of the loan

Overdraft

≥170

0 - 120 months

18.00%

1.50%

19.69%

0.50%

Not applicable

Cash Cover Overdraft

≥170

0 - 120 months

10.80%

0.90%

11.43%

0.50%

Not applicable

Insurance Price of Individual Loan (personal accident)

Insurance Price of Individual Loan (personal accident)

Low risk profession

Medium risk profession

High risk profession

Premium

Premium

Premium

Up to 5,000 €

€ 26.00

€ 28.60

€ 33.00

5,001 - 9,999 €

Minimum premium of 26.00 €, otherwise the applicable rate would be 0.29%

Minimum premium of 28.60 €, otherwise the applicable rate would be 0.33%

For values from 5,001 up to 20,000 euros the premium will be calculated at 0.66%. For values over 20,000 euros, prior wri􀆩en approval from the Insurer will be required

>=10,000 €

0.29 %

0.33 %

0.66%

Mortgage Loans

Sum insured

Risk covered

Rate of (%) the premium

Apartments & Houses

Real value of Property

Fire, Lightning, Explosion, Impact or crashing of an aircraft or its part, Earthquake, Theft, Flood

0.13% (TVSH 18 % included)

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 bank staff, on customer request. The bank calculates effective interest rate on Loans and Deposits based on the CBK regulation on ”effective interest rates and requirements for disclosure” and it is disclosed in the contract between bank and customer.

The Borrower shall bear the costs of assessing the mortgage, including the fee for the notarization of the mortgage contract and the registration fee for the mortgage in the cadastral register. Interest will be applied for each delay in payment.
* By entering into force of the Law on Consumer Protection No.06/L-034, on 29.06.2018, the loan application fee of 1% >12 monthly and 0.5% <12 monthly applies.
** In accordance with the Regulation on Housing Mortgage Loans, from 01.04.2016, the aforementioned subscription fee applies only for loan agreements that were signed until 01.04.2016, while for contracts signed before this date, the fee for subscription of 50% of the remaining loan applies.
*** 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 10 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 06.05.2022