Tirana Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Tirana Bank suits customers in Albania who want a single bank for a Visa debit card and fixed-rate personal loans, and it has traded since 1996. The card costs €1 a month, lending runs 9% to 12% on €800 to €25,000 repaid over 120, and support is limited to phone and email.
Key facts
Pros and cons
Pros
- A fixed rate of 9% to 12% on loans of €800 to €25,000, so the monthly payment holds steady.
- A Visa debit card with a monthly fee of €1, a predictable cost for everyday spending.
- Borrowing runs 120 from a direct lender straight to the bank, with no broker in between.
Cons
- Support is limited to phone and email, so anyone wanting live chat or a branch visit has fewer routes.
- A term of 120 means a large monthly commitment that has to fit your budget.
- Borrowing tops out at €800 to €25,000, so bigger costs need a different lender.
Ready to try Tirana Bank?
Scored 8.8 / 10 by SumCue.
Who it suits
- Customers in Albania who want the card and the loan from the same bank.
- Borrowers who prefer a fixed rate and can handle a 120 commitment.
- Households happy to pay €1 a month for a Visa debit card.
Who should look elsewhere
- Cost-first card shoppers: bunq lists €0 a month, below €1 here.
- Travellers who want a cheap holding account: Wise lists £0 a month.
- People after a credit card: Varo Believe Secured Credit Card lists $0 a month, while Tirana Bank offers a debit card.
Who runs it
Tirana Bank S.A. is the legal entity behind the brand, a bank based in Albania that has traded since 1996. A single institution issues the debit card and runs the lending, so an account holder deals with the same provider for both. Support runs through phone and email, with phone and email the routes on offer.
How Tirana Bank compares
8.8 vs 9.4
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Frequently asked questions
How much is the card each month?+
The monthly fee is €1, charged on the account that carries the card. For comparison, bunq lists €0 a month and Wise lists £0, so the cost sits above the lowest plans in this group. Varo Believe Secured Credit Card lists $0.
What sort of card is it?+
It is a debit card on the Visa network, so spending draws on the balance in the account rather than a borrowing line. Debit cards dominate this category: 82.2% of the cards on the site sit in that group, and 100% of the debit card ranking does too.
How much can I borrow, and who assesses it?+
Loans of €800 to €25,000 are available from Tirana Bank. The bank is a direct lender, so an application is assessed by the bank itself rather than by an intermediary, and the product on offer is a personal loan.
What rate will I pay, and can it change?+
The annual rate is 9% to 12%, and the rate type is fixed, so repayments stay the same for the whole term. The median annual rate across the personal loans listed on the site is 15.5%, which gives a useful yardstick for any quote you receive.
How long do I have to repay?+
The term is 120, which sets a monthly commitment that has to sit comfortably in your budget. The median term across personal loans on the site is 36, so this one runs well past the middle of the market and spreads the cost thinly.
How do I get help?+
Support runs through phone and email, which covers most day to day questions about the card or the loan. Anyone who wants live chat or a face to face visit has fewer routes, so it is worth weighing how you would contact the bank before you open the account.
Who is behind the account?+
The legal entity is Tirana Bank S.A., a bank based in Albania that has been trading since 1996. The card and the personal loan both come from that provider, so a query about either one goes to the same institution.
Sources
- thebanks.eu/banks/19340 checked September 26, 2026
Backs: Legal entity
“Tirana Bank S.A. (Albania) - Bank Profile”
- tiranabank.al checked September 26, 2026
Backs: Support channels
“InfoBank +35542277700, 0800 68 68, callcenter@tiranabank.al”
- tiranabank.al/c/16/banka-jone checked September 26, 2026
Backs: Founded, Headquarters
“Tirana Bank është banka e parë me kapital tërësisht privat në Shqipëri. Ajo u themelua në vitin 1996”
- tiranabank.al/d/186/kredia-konsumatore-e-pasiguruar checked September 26, 2026
Backs: Loan amount, APR, Lender type, Loan types, Pricing model, Rate type, Term
“Kredia Konsumatore e Pasiguruar - Shuma e financimit: Minimum: 100,000 ALL / 800 EUR, Maksimum: 3,000,000 ALL/ 25,000 EUR”
- tiranabank.al/eng/c/173/package checked September 26, 2026
Backs: Card type, Card network
“VISA Debit Card, which you receive instantly at any branch upon opening the current account”
- tiranabank.al/media/698b142e0a0c2.pdf checked September 26, 2026
Backs: Monthly fee
“Monthly Package maintenance fee LEK 125, EUR 1, USD 1”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Tirana Bank
A Visa debit card and a fixed-rate personal loan from the same bank.