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ProCredit Bank Kosovo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ProCredit Bank Kosovo suits savers in Kosovo who want easy access and no monthly charge, with a monthly fee of €0 and a minimum deposit of €0. Travellers pay more, though, since the currency conversion fee is 6% against 0% at Starling.

Key facts

Best for
Kosovo residents saving and spending in euros without a monthly account charge.
Monthly fee
€0↗
Currency conversion fee
6%↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
ProCredit Bank SH.A.↗
Headquarters
Kosovo↗
Support channels
Email, Help-centre↗
Features
Same-day funding
Official website
procreditbank-kos.com

Loans

Loan amount
up to €10,000↗
Credit check
Hard↗
Funding time
Loan in about 3 minutes, fully online, money credited to the account immediately↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Kosovo personal ID or passport, employer and monthly salary required for a consumer loan application↗
Loan types
Personal, Car, Student, Business, Credit-line↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Savings

Minimum deposit
€0↗
Access terms
Save and withdraw whenever you want, 100% flexibility; interest calculated daily and paid monthly↗
Account kind
Easy access↗

Mortgages

Fixed period
3 years↗
Maximum loan to value
90%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • The account carries a monthly fee of €0
  • Savings can be drawn at any time, with interest added daily and paid monthly
  • A debit card on the mastercard network comes with the account
  • Consumer loans are arranged directly, with money in the account immediately

Cons

  • Currency conversion costs 6%, versus 0% at Starling and 0.1% at Wise
  • Support runs on email and help centre only, so there is no phone line
  • Consumer loan applications use a hard credit check and ask for a Kosovo ID or passport, an employer and a monthly salary
ProCredit Bank Kosovo

Ready to try ProCredit Bank Kosovo?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Kosovo households keeping euro savings in an easy-access account
  • People who want a Mastercard debit card with no monthly charge
  • Borrowers needing a consumer loan funded straight to their account

Who should look elsewhere

  • Frequent travellers, who pay 6% in currency conversion against 0.1% at Wise
  • Anyone wanting phone support, since contact runs on email and help centre only

How ProCredit Bank Kosovo compares

Frequently asked questions

What does it cost to hold the account?+

The account carries a monthly fee of €0, and the model is a no monthly fee account, so keeping it open costs nothing each month. The minimum deposit is also €0, which means there is no floor on what you must put in to get started.

How much does it cost to change currency?+

Currency conversion runs at 6%, which is well above 0.1% at Wise and 0% at Starling. Anyone spending abroad often pays that charge again on each purchase, so a traveller keeps more of the balance elsewhere.

What card comes with the account?+

The account comes with a debit card on the mastercard network, so it draws straight on the balance rather than borrowing. It is a Mastercard debit card rather than a prepaid one, and the pricing list sets the currency conversion charge on top of everyday use.

Can I withdraw my savings whenever I like?+

The account is an easy access savings account, and the bank states that savers can save and withdraw whenever they want. Interest is calculated daily and paid monthly, so there is no notice period to serve and no penalty for taking money out.

What is the minimum I need to deposit?+

The minimum deposit is €0, so there is no floor on the opening payment, and the amount available runs to up to €10,000. The bank is headquartered in Kosovo and deals in euros, so the account suits money held and spent there rather than a wider set of markets.

How do I get help?+

Support runs on email and help centre, which means email and a help centre rather than a phone line. Questions about the account, its interest or the lending side can go through those channels, though anyone who wants to speak to someone directly has no number to call.

Does it lend money as well as hold savings?+

It does, as a direct lender rather than a broker. Loan types cover personal, car and student, with home improvement listed as a use. The housing loan is fixed for 3 and reaches 90%, while consumer loan applications run a hard credit check.

Who can apply for a consumer loan?+

Applicants give proof of who they are with a personal ID or passport held in Kosovo, and the bank asks for their job and what they take home each month. The whole application runs online, and once a loan is approved the money is credited to the account straight away.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

ProCredit Bank Kosovo

ProCredit Bank Kosovo

Kosovo residents saving and spending in euros without a monthly account charge.

8.7/10See alternatives