Raiffeisen Bank Albania review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Raiffeisen Bank Albania offers everyday multi-currency debit card spending with travel features alongside defined fixed deposits and direct lending options. It suits Albanian residents with verifiable employment income who want card spending plus personal, credit-line and secured borrowing in one place.
Key facts
Loans
- APR
- 11.57%↗
- Loan amount
- up to ALL 3,000,000↗
- Term
- 3 to 60 months↗
- Arrangement fee
- 2.5% of the loan amount under the standard insurance package, 3% of the loan amount under the extra package↗
- Representative example
- 1,000,000 lekë over 10 years, first-year interest 2.5% + 8.4% = 10.9% with NEI 11.57%, first-year monthly instalment 13,717.89 lekë, total payable 1,646,146.99 lekë↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Resident of Albania with verifiable income, employed at a state or private institution in Albania↗
- Origination fee (%)
- 2.5% to 3%↗
- Loan types
- Personal, Credit-line, Secured↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
- Minimum deposit
- ALL 100,000↗
- Access terms
- Term deposit Plus: interest credited every 1, 3 or 6 months from the opening date; deposit can be closed before maturity at any time but the depositor loses all net accrued interest↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros
Pros
- Debit card provides multi-currency handling with travel features for everyday use
- Direct lending covers personal, credit-line and secured borrowing with fixed structure
- Fixed deposits allow closure before maturity with defined credit intervals
Who it suits
- Albanian residents with verifiable employment income
- Borrowers wanting personal, credit-line and secured options together
How Raiffeisen Bank Albania compares
Where Raiffeisen Bank Albania is available
- Available
- Albania
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What card option does Raiffeisen Bank Albania provide?+
Raiffeisen Bank Albania provides a debit card for everyday spending with multi-currency handling and travel features. The card operates on a widely recognised network for broad acceptance. It connects daily payments with supporting deposit and borrowing products.
Who can apply for products from Raiffeisen Bank Albania?+
Eligibility focuses on residence in Albania with verifiable income from employment. Eligible employment includes roles at state institutions and private institutions in Albania. This focus keeps applications tied to domestic residence and steady work.
Which borrowing and saving choices sit alongside the debit card?+
Borrowing choices include personal loans, credit-line facilities and secured lending arranged directly. Saving choices include fixed term deposits with defined credit intervals from opening. Deposits allow closure before maturity under stated conditions for planned saving.
Which company operates Raiffeisen Bank Albania?+
Raiffeisen Bank Albania is operated by Raiffeisen Bank SHA. (Source, checked September 26, 2026)
Where is Raiffeisen Bank Albania based?+
Raiffeisen Bank Albania is based in Albania. (Source, checked September 26, 2026)
When was Raiffeisen Bank Albania founded?+
Raiffeisen Bank Albania was founded in 2004. (Source, checked September 26, 2026)
How can I contact Raiffeisen Bank Albania support?+
Raiffeisen Bank Albania offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- raiffeisen.al checked September 26, 2026
Backs: Headquarters, Legal entity
“Headquarters in Tirana, Albania”
- raiffeisen.al/sq/individet/produktet/kursimet-dhe-investi... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Rate type, Term
“Hap depoziten Plus sot dhe zgjidh kushtet qe deshiron”
- raiffeisen.al/sq/rreth-nesh/rreth-nesh/kush-jemi.html checked September 26, 2026
Backs: Founded
“Raiffeisen Bank International bleu Banken e Kursimeve ne Shqiperi ne 2004”
- raiffeisen.al/en/individuals/products/cards/debit-cards.html checked September 26, 2026
Backs: Card type, Currencies, Features, Card network, Support channels
“Mastercard Debit Cards, Visa Debit Cards”
- raiffeisen.al/sq/individet/produktet/kredi-te-pasiguruara... checked September 26, 2026
Backs: Lender type, Loan types
“Raiffeisen Bank offers a loan secured by your deposit”
- raiffeisen.al/sq/individet/produktet/kredi-te-pasiguruara... checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Arrangement fee, Origination fee (%), Representative example, Use cases
“Personal loan: up to 3 million lekë”
- raiffeisen.al/sq/individet/produktet/kredi-te-pasiguruara... checked September 26, 2026
Backs: Free early repayment
“The overdraft can be repaid and closed at any time without commission”
Compiled from 7 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.