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Commissions to Businesses

Legend
Bank Abbreviation Last update
Alpha Bank Albania AB January 2018
American Bank of Investment (Albania) ABI January 2018
Credins Bank CB January 2018
Credit Bank of Albania CBA January 2018
First Investment Bank Albania FIB January 2018
International Commercial Bank ICB January 2018
Intesa Sanpaolo Bank of Albania ISB January 2018
National Commercial Bank NCB January 2018
NBG Bank Albania NBG January 2018
Procredit Bank PCB January 2018
Raiffeisen Bank RB January 2018
Societe Generale Bank Albania SGB January 2018
Tirana Bank TB January 2018
Union Bank UB January 2018
United Bank of Albania UBA January 2018
Veneto Banka VB January 2018

Currency: ALL EURO USD GBP

Commissions applied on cards
    Credit cards AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Issuing cards according to work conditions     1'200.00                     1'500.00    
      Annual commission applied for card maintenance         3'500.00     2'000.00   2'000.00 2'000.00          
      Issuing a new card upon the expiry of the old one     1'200.00             2'000.00       1'500.00    
      Providing new PIN     200.00   664.75     500.00   600.00 700.00     1'000.00    
      Cash withdrawal at bank terminals MIN     200.00   398.85     1'000.00   600.00 500.00     200.00    
      Cash withdrawal at bank terminals as %     2.00   2.50         2.00            
      Cash withdrawal at other banks’ terminals MIN     300.00   398.85     1'000.00   600.00 700.00          
      Cash withdrawal at other banks’ terminals as %     2.00   2.50         2.00            
      Cash withdrawal at other banks’ terminals MAX               50'000.00     700.00     500.00    
      Cash withdrawal at bank terminals abroad MIN     500.00   398.85     1'500.00   600.00 1'000.00          
      Cash withdrawal at bank terminals abroad as %     2.00   2.50         2.75            
      Cash withdrawal at bank terminals abroad MAX               50'000.00     1'000.00     500.00    
      POS payments domestically                     700.00          
      POS payments abroad (in %)                   1.00 1'000.00          
      Card blocking                     500.00          
      Penalising interest rates on unpaid liability. (%)         42.00     2.00   0.50 0.23     36.00    
    Debit cards AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Issuing card according to terms and conditions                       1'000.00   500.00    
      Annual commission applied for card maintenance           500.00 8'157.20     1'200.00   3'600.00        
      Issuing new card upon the expiry of the old one                   1'200.00   700.00   500.00    
      Providing new PIN         750.00   1'000.00     100.00 200.00 700.00   500.00   700.00
      Cash Withdrawal at bank terminals                                
      Cash Withdrawal at other banks’ terminals MIN         200.00 250.00 265.90     150.00 300.00     350.00   100.00
      Cash Withdrawal at other banks’ terminals as %           1.00         1.25 2.00   2.00    
      Cash Withdrawal at terminals abroad MIN         500.00 350.00 332.37     350.00 300.00     350.00    
      Cash Withdrawal at terminals abroad as %         2.00 2.00 2.50     2.25 2.00 3.00   2.00    
      POS payments domestically in %         0.00         1.00            
      POS payments abroad in %           1.00       1.50 1.50 2.50        
      Card blocking                     500.00         100.00
Commissions on bank cheques
    Bank cheque AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Issuing bank cheques MIN 1'500.00 665.00   200.00     1'329.50 200.00 2'085.00 500.00   2'000.00 3'323.75 500.00    
      Issuing bank cheques as % 0.15 0.10   0.10     0.25 0.10 0.15 0.10   0.20 0.25 0.10 0.12  
      Issuing bank cheques MAX 15'000.00 6'650.00 2'500.00 1'000.00 664.75 50.00 33'509.75 1'000.00 28'000.00 1'500.00   10'000.00 19'942.50 2'500.00   700.00
      Issuing traveller’s cheques MIN               0.00                
      Issuing traveller’s cheques in %               0.00                
      Issuing traveller’s cheques MAX               0.00                
      Accepting personal cheques issued by the bank’s customers %               0.00 0.15              
      Accepting personal cheques issued by other banks MIN 2'000.00 665.00         1'329.50 0.00 2'100.00   500.00   3'323.75 200.00 1'000.00 1'500.00
      Accepting personal cheques issued by other banks in % 0.15 0.10         0.20 0.00 0.20   0.10   0.25 0.10 0.20 0.20
      Accepting personal cheques issued by other banks MAX 10'000.00 13'300.00         13'295.00 0.00 14'000.00 6'000.00 2'500.00   19'942.50 1'500.00 3'000.00 2'000.00
      Accepting personal cheques issued by the bank’s customers MIN 1'000.00           2'659.00   7'000.00 200.00         1'000.00  
      Accepting personal cheques issued by the bank’s customers in % 0.10           0.20   0.15 0.15         0.20  
      Accepting personal cheques issued by the bank’s customers MAX 3'000.00   2'500.00       26'590.00   28'000.00 1'500.00         3'000.00  
      Accepting bank cheques issued by other banks MIN 1'500.00 665.00         1'329.50 0.00 2'100.00 200.00 2'000.00 500.00   200.00 1'000.00  
      Accepting bank cheques issued by other banks in % 0.15 0.10         0.20 0.00 15.00 0.15 0.20     0.10 0.20  
      Accepting bank cheques issued by other banks MAX 6'500.00 2'660.00 2'500.00       13'295.00 0.00 14'000.00 1'500.00 3'000.00 5'000.00   1'500.00 3'000.00  
      Accepting traveller’s cheques MIN         132.95     0.00     150.00       25.00  
      Accepting traveller’s cheques in %         1.00     0.00     0.10       1.00  
      Accepting traveller’s cheques MAX               0.00             200.00  
      Return of unpaid cheques   1'064.00 2'500.00         3'500.00 2'780.00           3'000.00  
      Stopping cheque payments             1'329.50 3'500.00 2'780.00           3'000.00 700.00
Commissions on deposits and current accounts
    Current account AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Opening of the current account 4'140.00 0.00       1'000.00 0.00 0.00 0.00   0.00 0.00     0.00  
      Monthly commission applied for annual account maintenance 276.00 400.00   250.00 400.00 200.00 500.00 300.00   350.00 6'000.00 500.00 400.00 250.00 150.00 833.33
      Closing the current account after 12 months 2'070.00 2'700.00     1'500.00   0.00 1'500.00 2'780.00   3'000.00 3'000.00 2'659.00   1'200.00 2'000.00
      Closing the current account within a year 4'140.00 2'700.00   1'500.00 1'500.00   0.00 1'500.00 3'475.00 1'000.00 3'000.00 3'000.00 2'659.00   1'200.00 2'000.00
      Bank confirm on a bank agreement and account balance 690.00 1'400.00   500.00 1'000.00 500.00 1'329.50   1'390.00 500.00 1'400.00 0.00   1'000.00 700.00 700.00
      Account statement 690.00       250.00 1'000.00 132.95 0.00 0.00 300.00   200.00     0.00  
      Account statement, on monthly basis 0.00 0.00   300.00 0.00   0.00 0.00 0.00 300.00 100.00 200.00 300.00   0.00  
      Account statement, higher than on monthly basis for each statement 276.00 280.00   300.00 0.00 300.00 0.00 300.00 140.00 300.00 150.00 200.00 300.00 200.00 0.00 100.00
    Demand deposits AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Opening a demand deposit         0.00           0.00 30'000.00     0.00  
      Monthly commission applied for account maintenance         0.00           100.00 0.00 400.00   0.00  
      Closing the demand deposit within the year         0.00           0.00 1'500.00 2'659.00   0.00  
      Closing the demand deposit after one year         0.00           0.00 1'500.00 2'659.00   0.00  
    Time deposits AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission applied for opening a time deposit 0.00 0.00     0.00     0.00     0.00          
      Commission applied for renovation of a time deposit 0.00 0.00     0.00     0.00     0.00          
      Penalty applied for account closing before maturity         0.00                      
      Penalty applied for account closing before maturity - % applied on the interest earned 2.00       0.00     1.00   0.10   0.01        
      Penalty applied for account closing before maturity – Absolute value on the interest rate         0.00                      
Commissions on loans
    Overdraft (unsecured) AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission for loan administration MIN   35'000.00                 3'000.00          
      Commission for loan administration in %   1.00     2.00 2.00     2.00 1.50 1.00 1.00   1.50 1.00  
      Commission for loan administration MAX                                
      Commission for dealyed payment %   10.00     36.00 2.00     3.00 30.00 25.00 20.00   3.00 2.00  
      Penalties for prepayment in %           5.00       2.50 3.00 3.00        
    Overdraft (secured) AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission for administration MIN 27'600.00 35'000.00   15'000.00       0.50     5'000.00          
      Commission for administration in % 0.75 1.00     1.00 1.00 1.00 0.50 1.00 1.50 0.50 1.00 1.00 1.00 1.00 2.00
      Commission for administration MAX       50'000.00       1.00                
      Commission for delayed payment % 6.00 10.00     36.00 2.00 10.00   3.00 30.00 25.00 20.00 5.00 3.00 2.00 18.00
      Penalties for prepayment %           5.00   5.00   3.00 3.00 3.00        
    Loan for investments AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commissions for loan administration MIN 27'600.00 35'000.00           0.50     5'000.00       1.00  
      Commissions for loan administration in % 1.00 1.00     1.00 1.00 1.00 1.00 1.50 1.50 0.50 1.00 1.00 1.50   2.00
      Commissions for loan administration MAX               2.00             2.00  
      Commission for delayed payment % 6.00 10.00     20.00 15.00 10.00   3.00 36.00 48.00 20.00 5.00 3.00 2.00 18.00
      Penalties for prepayment %   3.00     5.00 5.00   5.00 3.00 3.00 3.00 3.00 5.00 3.00 3.00 2.00
    Mortgage Loan AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Commission for application MIN   35'000.00                 5'000.00          
      Commission for application %   1.00     1.00 1.00       1.50 0.50 1.00 1.00 1.50 2.00 2.00
      Commission for application MAX                                
      Commission for dealyed payment %   10.00     20.00 15.00       36.00 48.00 20.00 5.00 3.00 2.00 18.00
      Commission for collateral change   14'000.00     13'295.00 10'802.40       3'000.00 7'000.00 50'000.00 6'647.50   1'000.00  
      Commission for collateral change in %         1.00                      
      Penalties for prepayment %   3.00     2.00 5.00       3.00 3.00 3.00 5.00 3.00 3.00 2.00
Commissions on payments
    Outgoing payments domestically in ALL AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Within the bank                     400.00 20.00   25.00    
      Payments through AECH MIN 500.00     500.00 400.00 50.00     500.00 100.00 500.00   300.00 250.00 200.00 500.00
      Payments through AECH %                         0.15   0.10  
      Payments through AECH MAX 500.00 500.00 500.00 500.00 400.00 200.00 500.00 300.00 500.00 500.00 500.00 500.00 500.00 500.00 500.00 1'250.00
      Payments through AIPS MIN 1'500.00     1'500.00 1'000.00 50.00 1'500.00 1'200.00 1'500.00 350.00 500.00   500.00 1'000.00 200.00 1'500.00
      Payments through AIPS %                     0.03   0.15   0.10  
      Payments through AIPS MAX 1'500.00 1'500.00 1'500.00 1'500.00 1'000.00 200.00 1'500.00 1'500.00 1'500.00 1'500.00 1'500.00 1'500.00 1'500.00 1'500.00 1'500.00 3'500.00
    Payment in foreign currencies AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Outgoing foreign currency payments MIN                                
      Outgoing foreign currency payments %                                
      Outgoing foreign currency payments MAX                                
      Swift commission                                
      Incoming foreign currency payments MIN                                
      Incoming foreign currency payments %                                
      Incoming foreign currency payments MAX                                
Commissions on LC and LG
    Import AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Client notification                                
      Preliminary notification of documentary credit MIN             1'329.50   4'865.00              
      Preliminary notification of documentary credit %                             2.00  
      Preliminary notification of documentary credit MAX         3'988.50   1'329.50               1.00  
      Commission on opening MIN 6'900.00     3'500.00 9'306.50   6'647.50 6'647.50 9'810.00              
      Commission on opening % 0.15     0.20 0.30   0.15 0.15 0.30   0.25   0.20 0.15 0.10 0.20
      Commission on opening MAX       20'000.00                        
      Commission on confirmation MIN 6'900.00             6'647.50 6'950.00              
      Commission on confirmation % 0.20             0.25 0.20       0.25 0.50   0.20
      Commission on confirmation MAX                                
      Commission on payments MIN 6'900.00     5'000.00     6'647.50 6'647.50 7'000.00              
      Commission on payments % 0.40     0.20     0.40 0.20 0.30   0.35   0.30 0.20 2'000.00 0.30
      Commission on payments MAX                                
      Commission on modification 6'900.00     1'500.00 5'982.75   6'647.50 6'647.50 7'000.00   0.25          
      Commission on annulment 6'900.00     3'500.00 5'318.00   0.40 6'647.50 6'950.00   0.10         0.35
      Commission on delayed payment MIN       5'000.00 6'647.50     6'647.50 9'810.00              
      Commission on delayed payment %       0.20 0.10     0.20 0.30   0.30   0.30      
      Commission on delayed payment MAX                                
      Documents with deficiencies 6'900.00       9'306.50   6'647.50 6'647.50 6'950.00              
      Correspondent bank commissions, when applicable                                
      Commission on swift       1'200.00     1'329.50 1'329.50 1'390.00   1'500.00          
      Postal fee, when applicable 2'070.00           3'988.50                  
    Export AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Explanation of the case to the customer                                
      Consultation commission MIN 6'900.00     4'000.00       13'295.00                
      Consultation commission % 0.10     0.10       0.10     0.10   0.20     0.10
      Consultation commission MAX       30'000.00       39'885.00                
      Confirmation commission MIN 6'900.00     4'000.00     13'295.00   9'810.00              
      Confirmation commission % 0.20     0.15     0.25   0.30   0.20   0.25   0.15 0.20
      Confirmation commission MAX                                
      Negotiation commission MIN 6'900.00     5'000.00       6'647.50 6'950.00              
      Negotiation commission % 0.10     0.15       0.20 0.20       0.25      
      Negotiation commission MAX                                
      Annulment commission MIN 6'900.00     1'000.00       6'647.50 6'950.00              
      Annulment commission %                               0.35
      Annulment commission MAX 6'900.00           6'647.50 6'647.50                
      Modification commission MIN 6'900.00     1'000.00       6'647.50 6'950.00              
      Modification commission %                                
      Modification commission MAX 6'900.00           6'647.50 6'647.50                
      Transfer to third parties MIN       5'000.00       6'647.50 6'950.00              
      Transfer to third parties %       0.10       0.10 0.20   0.20   0.20   0.20  
      Transfer to third parties MAX       35'000.00     13'295.00 46'532.50 69'500.00              
      Commission on delayed payment MIN       5'000.00     6'647.50 6'647.50 9'810.00              
      Commission on delayed payment %       0.15     0.20 0.20 0.30       0.20      
      Commission on delayed payment MAX                                
      Correspondent bank commissions, when applicable MIN                                
      Correspondent bank commissions, when applicable %                                
      Correspondent bank commissions, when applicable MAX                                
      Commission on swift       1'200.00     1'329.50 1'329.50 1'390.00   1'500.00          
      Postal tariffs, when applicable       3'500.00     6'647.50                  
    Incaso AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Sending documents MIN   4'200.00         6'647.50 6'647.50 3'475.00           10'000.00  
      Sending documents %   0.15         0.10 0.25 0.20   0.15   0.20     0.10
      Sending documents MAX                 20'850.00              
      Receiving documents /Immediate payment MIN 4'140.00 2'800.00         6'647.50 6'647.50 4'170.00              
      Receiving documents /Immediate payment % 0.30 0.30         0.10 0.25 0.40   0.15   0.15     0.10
      Receiving documents /Immediate payment MAX                 27'800.00              
      Receiving documents /Postponed payment MIN 4'140.00 5'600.00         2'659.00 6'647.50 2'780.00              
      Receiving documents /Postponed payment % 0.20 0.40         0.20 0.20 0.30   0.15          
      Receiving documents /Postponed payment MAX             26'590.00   11'120.00              
      Modification or anulment of instructions MIN 4'140.00             3'988.50 4'170.00              
      Modification or anulment of instructions %                                
      Modification or anulment of instructions MAX 4'140.00 4'200.00                            
      Unpaid or non-accepted bills MIN 4'140.00             6'647.50 3'475.00              
      Unpaid or non-accepted bills % 0.30             0.15 0.20              
      Unpaid or non-accepted bills MAX   4'200.00             20'850.00              
      Commission on delivery (Endorsement / Release Fee)   7'000.00           3'988.50                
    Domestic guarantees AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Participation MIN 6'900.00 7'000.00   5'000.00   3'000.00 1'000.00 1'500.00 7'000.00     1'000.00   1'500.00 1'000.00  
      Participation % 0.25 0.25   0.30 0.50 1.00     0.35 3.00 0.25   0.75 0.25    
      Participation MAX             6'647.50 1'500.00       3'000.00     1'000.00  
      Performance MIN 6'900.00 7'000.00   10'000.00   3'000.00 3'988.50 1'500.00 11'200.00     1'000.00   1'500.00 1'000.00  
      Performance % 0.30 0.25   0.40 0.50 1.00   0.15 0.50   0.25   0.75 0.10    
      Performance MAX             6'647.50 15'000.00       3'000.00   15'000.00 1'000.00  
      Advance payment MIN 6'900.00 7'000.00   10'000.00   3'000.00 3'988.50 1'500.00 21'000.00     1'000.00        
      Advance payment % 0.35 0.25   0.40 0.50 1.00   0.15 1.20 3.00 0.25   1.25      
      Advance payment MAX             6'647.50 15'000.00       3'000.00        
      Modification MIN 4'140.00             1'000.00 7'000.00     500.00        
      Modification %         0.50     0.10     0.25          
      Modification MAX 4'140.00 5'600.00         3'988.50 5'000.00                
    Bank guarantees abroad AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Participation MIN 6'900.00     5'000.00 4'653.25   3'988.50 13'295.00 7'000.00              
      Participation % 0.25     0.30 0.25     2.00 0.15   0.25   0.75 2.00 0.10  
      Participation MAX             6'647.50 53'180.00                
      Performance MIN 6'900.00     10'000.00 4'653.25   3'988.50 13'295.00 7'000.00              
      Performance % 0.30     0.40 0.25     2.00 0.20   0.25   0.75 2.00    
      Performance MAX             6'647.50 53'180.00                
      Advance payment MIN 6'900.00     10'000.00 4'653.25   3'988.50 13'295.00 7'000.00              
      Advance payment % 0.35     0.40 0.25     2.00 0.40   0.25   1.25      
      Advance payment MAX             6'647.50 53'180.00                
      Modification MIN 4'140.00       4'653.25     6'647.50 7'000.00              
      Modification %         0.25           0.25          
      Modification MAX 4'140.00           1'329.50 6'647.50                
      Guarantee notification without bank engagement MIN 6'900.00             13'295.00 6'950.00              
      Guarantee notification without bank engagement %               0.10                
      Guarantee notification without bank engagement MAX 6'900.00           6'647.50 33'237.50 6'950.00              
Other Commissions
    e-banking AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Registration                     9'800.00 1'000.00        
      Monthly commission   100.00 200.00   265.90         150.00 1'400.00 600.00 700.00 200.00   700.00
      Annual commission                       7'200.00 8'400.00      
      Annual commission for OTP device                         1'000.00 500.00   3'600.00
      Commission on transactions     20.00                 700.00        
    Payments with the budget AB ABI CB CBA FIB ICB ISB NCB NBG PCB RB SGB TB UB UBA VB
      Payments from account to budget account 50.00 100.00 100.00   50.00 50.00   100.00 100.00 50.00 400.00   100.00 50.00 50.00  
      Cash payment to budget account 200.00 100.00 300.00   200.00 50.00   300.00 200.00 100.00 500.00 200.00 500.00 250.00 150.00 300.00

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