A current account is a basic account used for initiating your relation with the Bank through which you will be granted access to all our services. You may receive into or send from this account your funds through transfers and access such funds 24/7. You must use the current account only for personal reasons and only for legitimate purposes. If you do not use your account for an uninterrupted period of at least 6 (six) months the Bank shall reserve the right to close your account. If you have any outstanding debt against the Bank on any of your accounts the Bank has the right of lien on any amount in those accounts and you agree that the Bank may block or keep these amounts and use/debit the accounts to pay your debt.

Your savings account should be used only for savings and cannot be used for routine transactions. The nominal interest is a fixed simple annual rate of 0 8% per year in All 0,2% per year in Eur, and 0,5% per year in USD, which is calculated based on the principal.

The interest rate is calculated in compliance with the requirements of Bank of Albania Regulation on Transparency of Banking Products and Services. The Interest IncomeTax in Albania is 15%. It withholds at source in the moment of interest capitalization.

The debit card is issued for a fixed period of time (embossed on the card) and is linked to your current account. If the Debit card has been used regularly the Bank may reissue your card automatically if it deems it reasonable even without your request; however it is your responsibility to timely submit in any case (prior to expiration or in any other case) an application for a new card. After the expiration or replacement of the card the new card will be linked to the same account.  

The Bank applies limits for maximum allowed amounts for transactions with debit cards and/or for a fixed period and is entitled to modify such limits and inform clients through various communication channels. 

You shall be responsible for protecting your debit card and data from possible misuses and for all transactions carried out with that card. When receiving the Card the Bank will instruct you on how to activate the card and receive the PIN code. The Bank will send the relevant PIN code in a closed envelope or using another appropriate physical or electronic method. The Bank will provide the confidential information about the bank transactions only to the Client personally.

e-Banking service enables you to electronically and securely access your bank accounts which you hold or which you are authorized to access upon providing your user name and password (in desktop and mobile version). 

By using your username personal password and security code you may view download and print the statements of your accounts and carry out certain types of bank transactions described in the E-banking service manuals published in our official website: (https://ebanking.procreditbank.com.al/). For execution of several other transactions in order to protect you you are requested additional information to verify your identity.

ProCredit Bank provides a mobile application for Private Clients that enables them to manage their finances through the phone. Some of the features of the application include:

Realizing transfers

Blocking and unblocking of cards

Managing card limits

Opening term deposits

Increasing the withdrawal limit at ATM (up to EUR 7 000)

In order to access the application you must use the client username and password for access to e-banking.