| NLB Bank Product Catalog – Price List Effective Date: 01.02.2026 | |||||||
BASIC PACKAGE MICRO BUSINESSES | STANDARD PACKAGE MICRO BUSINESSES | BASIC PACKAGE LEGAL ENTITY | BASIC PACKAGE FOR NGOs, UNIONS, CHAMBERS | BASIC PACKAGE FOR (NGO) (MICRO) FINANCIAL INSTITUTIONS, FINANCIAL AGENTS | PACKAGE FOR EXCHANGE OFFICES | BASIC PACKAGE POLITICAL PARTIES | PACKAGE FOR WOMEN IN BUSINESS |
|---|---|---|---|---|---|---|---|
| Current account opening | Current account opening | Current account opening | Current account opening | Current account opening | Current account opening | Current account opening | Current account opening; |
| Monthly current account maintenance | Monthly current account maintenance | Monthly current account maintenance | Monthly current account maintenance | Monthly current account maintenance | Monthly current account maintenance | Monthly current account maintenance | Monthly current account maintenance; |
| Issuance and monthly maintenance of debit card - Visa Debit Business | Issuance and monthly maintenance of debit card - Visa Debit Business | Issuance and monthly maintenance of debit card - Visa Debit Business | Issuance and maintenance of debit card - Visa Debit | Issuance and monthly maintenance of debit card - Visa Debit Business | Issuance and monthly maintenance of debit card - Visa Debit Business | Issuance and monthly maintenance of debit card - Visa Debit Business | Issuance and maintenance of debit card - Visa Debit Business; |
| Re-issuance of debit card after expiration | Re-issuance of debit card after expiration | Re-issuance of debit card after expiration | Provision and maintenance of e-klik service | Re-issuance of debit card after expiration | Re-issuance of debit card after expiration | Re-issuance of debit card after expiration | Re-issuance of debit card after expiration; |
| Provision and maintenance of e-klik service | Provision and maintenance of e-klik service | Provision and maintenance of e-klik service | Providing the client with M-Token device | Provision and maintenance of e-klik service | Provision and maintenance of e-klik service | Provision and maintenance of e-klik service | Provision and maintenance of e-klik service; |
| Provision with m-Token | Provision with m-Token | Provision with m-Token | SMS Banking (international incoming) | Provision with m-Token | Provision with m-Token | Provision with m-Token | Providing the client with M-Token device; |
| Payments for Keds via e-banking | Intra-bank transfers via E-banking and M-banking | Intra-bank transfers via E-banking and M-banking | Client identification code | Intra-bank transfers via E-banking and M-banking | Intra-bank transfers via E-banking and M-banking | Intra-bank transfers via E-banking and M-banking | Intra-bank transfers via E-banking and M-banking; |
| Payments for Keds via Direct Debit | Payments for Keds via e-banking | Payments for Keds via e-banking | Intra-bank transfers via E-banking and M-banking | Payments for Keds via e-banking | Payments for Keds via e-banking | Payments for Keds via e-banking | Payments for Keds via e-banking; |
| Utility payments for Public Service Companies | Payments for Keds via Direct Debit | Payments for Keds via Direct Debit | Payments for Keds via e-banking | Payments for Keds via Direct Debit | Payments for Keds via Direct Debit | Payments for Keds via Direct Debit | Payments for Keds via Direct Debit; |
| Payments at Points of Sale (POS) | Utility payments for Public Service Companies | Utility payments for Public Service Companies | Payments for Keds via Direct Debit | Utility payments for Public Service Companies | Utility payments for Public Service Companies | Utility payments for Public Service Companies | Utility payments for Public Service Companies (PTK, Regional Water); |
| Provision and maintenance of m-klik service | Payments at Points of Sale (POS) | Payments at Points of Sale (POS) | Utility payments for Public Service Companies | Payments at Points of Sale (POS) | Payments at Points of Sale (POS) | Payments at Points of Sale (POS) | Payments at Points of Sale (POS) |
| Intra-bank transfers via E-banking and M-banking | Provision and maintenance of m-klik service | Provision and maintenance of m-klik service | Payments at NLB Bank POS terminals | Provision and maintenance of m-klik service | Provision and maintenance of m-klik service | Provision and maintenance of m-klik service | |
| SMS Notification (for international incoming transfers) | SMS Notification (for international incoming transfers) | SMS Notification (for international incoming transfers) | Provision and maintenance of m-klik service | SMS Notification (for international incoming transfers) | SMS Notification (for international incoming transfers) | SMS for international incoming payments | |
| NLB PAY | Visa confirmation | Visa confirmation | NLB PAY | NLB PAY | NLB PAY | Visa Credit Business - First year maintenance free. | |
| Viber chat | NLB PAY | NLB PAY | Viber chat | Viber chat | Viber chat | Preferential prices for POS terminals | |
| Viber chat | Viber chat | Preferential prices for E-commerce service | |||||
| NLB PAY Setup | |||||||
| Viber chat | |||||||
| Monthly maintenance €3.99 | Monthly maintenance €6.99 | Monthly maintenance €6.99 | Monthly maintenance €15.00 | Monthly maintenance €50.00 | Monthly maintenance €50.00 | Monthly maintenance €20.00 | Monthly maintenance €3.00 |
| Upon opening an account in the Micro Business Package, the minimum funds the client must have in the account is €15, while for all other Business Packages, the minimum funds at account opening is €30. *Monthly maintenance of a sub-account for legal entities is €1.00 (in addition to the package price) *Monthly maintenance of a sub-account for Exchange Offices is €50.00 *Monthly maintenance for sub-accounts in other currencies: 1.00 USD, 5.00 CHF, 1.00 GBP, 2.00 AUD, 2.00 CAD, 10.00 SEK | |||||||
| OTHER SERVICES | LEGAL ENTITY | ||||||
| Authorized person | 2.00 € | ||||||
| Cash withdrawal at the counter (Pensioners, orphan accounts, and social assistance are excluded from the commission) | Up to €4.99 - no commission | ||||||
| From €5.00 - €10,000: €3.00 | |||||||
| Over €10,001: 0.10% of the amount | |||||||
| Cash withdrawal at the counter by Exchange Offices | Up to €4.99 - free of charge | ||||||
| From €5.00 up to €10,000 - €5.00 | |||||||
| Over €10,000.01 - 0.10% of the amount | |||||||
| Cash deposit at the counter | 2.50 € | ||||||
| ATM deposit with agent cards | Free of charge for the first year | ||||||
| Deposit in DropBox | 10 €/month – 20 free envelopes per month, | ||||||
| over 20 pieces, 0.40€/envelope | |||||||
| Bulk coin deposit | No commission | ||||||
| Deposits / Conversions for old GBP and CHF banknotes | 2% min. 1.00 GBP, CHF | ||||||
| Deposit of funds in DropBox | 10€ per month | ||||||
| Damaged banknotes for transport to external banks | Up to €50.00: €5.00 | ||||||
| Over €50.00: 0.5%, min. €20 | |||||||
| Exchange of damaged banknotes | Single banknote: €1.00 | ||||||
| More than one banknote: €0.50 | |||||||
| Third-party deposits to client account | In all currencies €5.00 | ||||||
| Printing of account statement | 1 time per month free | ||||||
| Others €0.20 per page | |||||||
| Sending account statement by e-mail | Free of charge | ||||||
| TIME DEPOSITS | |
|---|---|
| Duration | Legal Entity |
| 12 months | 1.00% |
| 24 months | 1.10% |
| 36 months | 1.20% |
| 48 months | 1.30% |
| 60 months | 1.50% |
| Note: For time deposit amounts in € for the period of 13 to 60 months withdrawn before maturity, the demand (avista) interest rate is not calculated. 1. The minimum amount for time deposits (TDA), for all types of deposits, is €100. 2. In cases where the client closes the time deposit contract before the maturity date, the calculated interest will be canceled. Any interest already paid to the client will be deducted from the time deposit amount – the principal (for deposits with monthly interest payments). 3. All interest rates are effective and nominal. 4. Tax on earned interest is based on the current TAX LEGISLATION OF KOSOVO, and all expenses are borne by the client. 5. Termination of the Gradual Savings contract: At any time after the 1-year period, with prior notice. In case of early termination of the contract, on the saved amount, in addition to the calculated interest (as described), a demand (avista) interest supplement of 0.15% for the months of the following year applies. | |
| Business loans with cash collateral (blocked funds) | Term | Interest Rate | Management Fees | EIR | |
|---|---|---|---|---|---|
| Loan based on cash collateral | For the duration of the deposit | 1.50% | 0% | 1.50% | |
| Loan based on blocked time deposits with interest payment for blocked deposits | For the duration of the deposit | 1.50% plus the deposit interest rate | 0% | 3% | |
| Business Loans | Amount in € | Term | Interest Rate | Management Fees | EIR |
| Credit Line – Revolving | Up to 50,000 | Up to 12 months | Fixed 11.50% | 0.50% annually | 13.37% |
| Overdraft | Up to 50,000 | Up to 12 months | Fixed 11.50% | 0.50% annually | 13.37% |
| Working Capital Loan | Up to 50,000 | Up to 36 months | Variable 6.50% + Euribor | 1.00% | 10.37% |
| Working Capital Loan for Women in Business | Up to 30,000 | Up to 36 months | 6.50% fixed | 0.50% | 7.06% |
| Investment Loan | Up to 50,000 | Up to 120 months | Variable 6.00% + Euribor | 1.00% | 9.42% |
| Investment Loan for Women in Business | Up to 30,000 | Up to 60 months | 6.00% fixed | 0.50% | 6.39% |
| Loan for Investment and Working Capital | Up to 50,000 | Up to 60 months | Variable 6.30% + Euribor | 1.00% | 9.87% |
| Loan for refinancing obligations in other financial institutions (Investment assets) | Up to 50,000 | Up to 60 months | Variable 6.00% + Euribor | 1.00% | 9.42% |
| Loan for refinancing obligations in other financial institutions (Working capital) | Up to 50,000 | Up to 60 months | Variable 6.50% + Euribor | 1.00% | 10.37% |
| Eco Loan | Up to 50,000 | Up to 120 months | Variable 5.40% + Euribor | 0.30% | 8.51% |
| Eco Loan – for 100% energy efficiency purposes including heat pumps and 100% electric vehicles | - | Up to 72 months | Variable 4.99% + Euribor | 0.30% | 8.10% |
| Car loans with business partners | 100% Financing | Up to 84 months | Variable 6.00% + Euribor | 1.00% | 9.42% |
| 80% Financing | Up to 84 months | Variable 5.80% + Euribor | 1.00% | 9.21% | |
| 70% Financing | Up to 84 months | Variable 5.50% + Euribor | 1.00% | 8.88% | |
| With Casco Insurance from KS Illyria | Up to 84 months | Variable 5.00% + Euribor | 0.80% | 8.27% | |
| BUSINESS PACKAGES (with credit products) | ||||
|---|---|---|---|---|
| Product | Premium Package (Micro businesses) | Premium Plus Package (small, medium businesses, etc.) | ||
| Opening and maintenance of current account | √ | √ | ||
| Issuance and re-issuance of debit card after expiration | √ | √ | ||
| Visa Credit Card | √ | √ | ||
| Intra-bank transfers via E-banking and M-banking | √ | √ | ||
| Payments for KEDS via e-banking | √ | √ | ||
| Payments for KEDS via Direct Debit | √ | √ | ||
| Utility payments for Public Service Companies (PTK, Regional Water Supply) | √ | √ | ||
| Payments at points of sale (POS) | Free of charge | Free of charge | ||
| Interest Rate | Nominal | Effective | Nominal | Effective |
| Overdraft | Fixed 9.00% | 10.30% | Fixed 7.50% | 8.66% |
| Credit Line | Fixed 9.00% | 10.30% | Fixed 7.50% | 8.66% |
| Investment loan up to €50,000 and term up to 84 months | Variable 5.50% + Euribor | 8.82% | Variable 5.30% + Euribor | 8.60% |
| Working capital loan up to €50,000 and term up to 36 months | Variable 6.00% + Euribor | 9.68% | Variable 5.50% + Euribor | 9.13% |
| Investment and working capital loan up to €50,000 and term up to 60 months | Variable 5.80% + Euribor | 9.24% | Variable 5.30% + Euribor | 8.70% |
| Loan for refinancing obligations in other financial institutions up to €50,000, term up to 60 months for investment assets | Variable 5.50% + Euribor | 8.91% | Variable 5.00% + Euribor | 8.37% |
| Loan for refinancing obligations in other financial institutions up to €50,000, term up to 48 months for working capital | Variable 6.00% + Euribor | 9.54% | Variable 5.50% + Euribor | 9.00% |
| Administrative expenses | 0.80% (for Overdraft and Credit Lines 1.60% if the term is 24 months) | 0.80% (for Overdraft and Credit Lines 1.60% if the term is 24 months) | ||
| I. Funded international guarantees | 3% annually, min 50.00 Euro + external bank charges (correspondent and/or other) | 2.5% annually, min 50.00 Euro + external bank charges (correspondent and/or other) | ||
| II. Funded local guarantees | 2.50% annually, min €50 | 2.00% annually, min €50 | ||
| IIa. Funded local customs guarantees | 2.30% annually, min €50 | 1.80% annually, min €50 | ||
| IIb. Funded local payment guarantees between our Bank's clients (when applicant and beneficiary are Bank clients) | 2.30% annually, min €50 | 1.80% annually, min €50 | ||
| Administrative expenses for guarantees | 0.30%, min €50 | 0.30%, min €50 | ||
| Nostro Payments | 0.10% | 0.09% with SHARE option | ||
| Monthly Package maintenance | €12 | €15 | ||
| *Note: Commission 2.50% annually (premium package) and 2.00% annually (premium plus package) apply to all types of funded local guarantees except for guarantees according to points IIa and IIb and tender guarantees.* | ||||
| AGRICULTURAL LOANS | ||||
|---|---|---|---|---|
| Investment loans | Based on contracts with the buyer | |||
| Minimum amount | €200 | n/a | ||
| Amount up to | €50,000 | €10,000 exposure | ||
| Maximum term | 84 months | 36 months | ||
| Interest Rate | Nominal | Effective | Nominal | Effective |
| Variable 8.00% + Euribor | Variable: 11.62% + Euribor | 9.00% for legal entities | 13.14% for legal entities | |
| 11.00% for natural persons | 15.41% for natural persons | |||
| Provision | 1% | 1.00% for legal entities, 1.00% for natural persons | ||
| Working capital loans for Agriculture | ||||
| Minimum amount | €200 | n/a | ||
| Amount up to | €50,000 | €10,000 exposure | ||
| Maximum term | 36 months | 12 months | ||
| Interest Rate | Nominal | Effective | Nominal | Effective |
| Variable 9.00% + Euribor | Variable 13.14% + Euribor | 10.00% for legal entities | 15.61% for legal entities | |
| 12.00% for natural persons | 17.91% for natural persons | |||
| Provision | 1% | 1.00% for legal entities, 1.00% for natural persons | ||
| Credit lines and overdrafts up to €50,000 | ||||
| Maximum amount | 1/10 of turnover with NLB | n/a | ||
| Maximum term | 12 months | |||
| Interest Rate | Nominal 11.50% | Effective 12.72% | ||
| Provision | 0.5% | All clients who insure agricultural products with insurance companies will receive an interest rate discount of 1.00% | ||
| Late payment interest | 0.03% daily | For all business credit products, late payment interest is calculated on the amount of the overdue debt from the first day of delay | ||
| Prepayment for all business products is done in accordance with the Law on Obligational Relationships, Article 575, on Early Loan Repayment, as well as the specific agreement between the Client and the Bank. | ||||
| National Transfers | Counter / From account | Counter / In cash | E-banking/ M-banking | ||
|---|---|---|---|---|---|
| Intra-bank transfers | 1.00 € | n/a | Free of charge | ||
| Intra-bank transfers for payment purposes | 5.00 € | n/a | Free of charge | ||
| Outbound | |||||
| Interbank transfers | 5.00 € | 5.00 € | 1.00 € | ||
| Priority transfers and transfers over €10,000 | 5.00 € | 5.00 € | 5.00 € | ||
| Payments for public services (utilities) and budget organizations | 5.00 € | 5.00 € | 0.50 € | ||
| Payment of taxes and pension contributions | 5.00 € | 5.00 € | 0.50 € | ||
| Student payments for semester and Library | 1.50 € | 5.00 € | Free of charge | ||
| Payments for KEDS | 5.00 € | 5.00 € | 0.50 € | ||
| Giro payments for public service companies (PTK, Regional Water Supply) | 5.00 € | 5.00 € | 0.50 € | ||
| Giro payments for customs | 5.00 € | 5.00 € | 0.50 € | ||
| Giro payments for Insurance Companies | 5.00 € | 5.00 € | 0.50 € | ||
| Inbound | |||||
| Interbank transfers – inbound | Free of charge | ||||
| Incoming interbank transfers via ICS bulk module | |||||
| Salaries | Free of charge | ||||
| Damages/Claims and others | 1.00 € per transaction | ||||
| Other | |||||
| Direct debit for the Debtor | Within CBK scheme for DD - Free of charge | Inside the bank outside CBK scheme for DD - 0.10 € | ||||
| Direct debit for the creditor | According to agreement | ||||
| Customer-initiated claims/complaints | 5.00 € | ||||
| International Transfers | |||||
| Outbound transfers at counter | 0.30% Minimum €15 (equivalent in CCY) max. €1,000 (equivalent in CCY) | ||||
| Outbound transfers via e-banking | 0.15% Minimum €7.50 (equivalent in CCY) max. €500 (equivalent in CCY) | ||||
| Outbound transfers with OUR option | The abovementioned tariff for international outbound transfers applies plus the fixed amounts as follows: | ||||
| Up to €5,000 | Plus €7 | ||||
| From €5,000 up to €12,500 | Plus €10 | ||||
| From €12,501 up to €25,000 | Plus €14 | ||||
| From €25,001 up to €50,000 | Plus €22 | ||||
| Over €50,000 | Plus €50 | ||||
| Payments of natural persons for NLB Group (counter and e-banking) | Outbound EUR 5.00 regardless of amount, with BEN and SHARE option | ||||
| Payments of natural persons for NLB Group (counter and e-banking) | Outbound EUR 10.00 regardless of amount, with OUR option | ||||
| Payments of legal entities for NLB Group at counter | 0.1%, min. €10.00, max. €200 | ||||
| Payments of legal entities for NLB Group (e-banking) | Outbound €5, regardless of amount with BEN and SHARE option | ||||
| Payments of legal entities for NLB Group (e-banking) | Outbound €10, regardless of amount with OUR option | ||||
| For outbound payments with OUR option, in addition to fixed amounts predetermined in the price list, the Bank reserves the right to apply additional charges if they exceed the fixed predetermined commission charged by the respective Bank. | |||||
| Inbound transfers – BEN and SHARE | Fees | ||||
| Up to €10.00 | Free of charge | ||||
| €10.00 to €200.00 | 5.00 € | ||||
| Over €200.00 up to €10,000.00 | 10.00 € | ||||
| Over €10,000.00 | 0.15% max. €750 | ||||
| Transfers from NLB Group for natural and legal persons - payments received directly from the ordering NLB Group bank or through an intermediary bank that is an NLB Group Bank (when the ordering and intermediary bank are NLB Group banks) | Inbound €5, regardless of amount | ||||
| NLB Group Banks: NLB d.d., Ljubljana (LJBASI2X); NLB Banka AD Skopje (TUTNMK22); NLB Banka a.d., Banja Luka (RAZBBA22); NLB Banka d.d, Sarajevo (TBTUBA22); NLB Banka a.d. Podgorica (MNBAMEPG); NLB Banka a.d., Belgrade (KOBBRSBG) | |||||
| The bank reserves the right to compensation if the ordering bank does not fully implement the ordered OUR option | |||||
| Other international transfer services | Fees | ||||
| Complaint/change of payment/incorrect data - outbound transfers | 10.00 € | Per transaction / Third party commissions for changes, cancellations, | |||
| Cancellation of outbound international transfer | 10.00 € | complaints/investigations will be passed to the client (if applied) | |||
| Complaint/change of payment/incorrect data - inbound transfers | 10.00 € | In case of inbound payment return, the investigation and return commission will be deducted from the received amount. In case of not receiving correct data from the correspondent bank for crediting, the commission for complaint and cancellation/return of the transfer is deducted from the amount. | |||
| Cancellation/return of inbound international transfer | 10.00 € | ||||
| GPI payment tracking + SWIFT confirmation | 0.25 € | Per transaction (for international outbound transfers). | |||
| Documentary L/Cs | |
|---|---|
| I. Commission for L/Cs with 100% cash cover | 0.50% annually, min. €50 + external bank charges (correspondent and/or other) |
| II. Commission for L/Cs with time deposits (TDA) | 0.80% annually, min €50 + external bank charges (correspondent and/or other) |
| III. Commission for bank-funded L/Cs | 3.50% annually, min. €100 + external bank charges (correspondent and/or other) |
| Processing fees for all bank-funded L/Cs | 0.3% min €50.00 |
| LOCAL (NATIONAL) LETTERS OF CREDIT | |
| Documentary L/Cs | |
| I. Commission for L/Cs with 100% cash cover | 0.50% annually, min. €50 + other bank charges |
| II. Commission for L/Cs with time deposits (TDA) | 0.60% annually, min €50 + other bank charges |
| III. Commission for bank-funded L/Cs | 3.50% annually, min. €50 + other bank charges |
| Processing fees for all bank-funded L/Cs | 0.3% min €50.00 |
| General (for local and international LCs) | |
| a) L/C confirmation by a correspondent bank | Subject to the correspondent/confirming bank tariff |
| b) L/C amendment | €35.00 + comm. on increased value and/or extended term (based on approved rate) |
| c) Document examination (per set of documents) | €50.00 + correspondent bank charges |
| d) L/C payment (per set of documents) | €35.00 + correspondent bank charges |
| e) Cancellation before expiration | €25.00 |
| f) SWIFT charges | €5.00 |
| g) Discrepancies | €50 per set of documents – for the account of the presenting party |
| EXPORT L/C (LORO) | |
| a) Letter of Credit Advising | 0.20% of L/C value, min. €50.00, max. €500.00 |
| b) Letter of Credit Advising (forwarding) to other Banks | €35.00 one-time fee |
| c) L/C Transfer | 0.3% of value, min. €100.00 |
| d) Document examination according to advised L/C and sending them to the Issuing or Confirming Bank (per set of documents) | €50.00 + postage charges (DHL or other) |
| e) Return of documents at the request of the issuer/beneficiary | €30.00 + postage charges (DHL or other) |
| f) Cancellation before expiration | €25.00 |
| g) Amendment of L/C terms – Advising | €35.00 (per amendment) |
| h) SWIFT charges | €5.00 |
| i) Letter of Credit Confirmation | Based on agreement |
| LOCAL GUARANTEES | |
|---|---|
| I. Local guarantees covered with cash (blocked funds) | 0.50% annually, min. 25.00€, max. 200.00€ |
| II. Local guarantees covered with TDA (Time Deposits) | 0.60% annually, min. 25.00€ |
| III. Funded local guarantees | 3.00% annually, min. 50.00€ |
| IIIa. Funded local customs guarantees | 2.50% annually, min. 50.00€ |
| IIIb. Funded local payment guarantees between our Bank's clients (when applicant and beneficiary are clients of the Bank) | 2.50% annually, min. 50.00€ |
| Processing fees for all funded local guarantees | 0.30% min. 50.00€ |
| Change of local guarantee terms | EUR 25.00 one-time fee (per change) (plus commission, based on the approved rate, on the increased amount and/or extended term) |
| Note: The 3.00% annual commission applies to all types of funded local guarantees except for guarantees under points IIIa and IIIb and tender guarantees. | |
| LOCAL TENDER GUARANTEES (BID BONDS) | |
| With cash | 25.00€ one-time fee |
| With TDA | 35.00€ one-time fee |
| Funded | 50.00€ one-time fee |
| Special, without cash or collateral | Up to 25,000.00€ - 70.00€, Over 25,000.00€ – 0.3%, Max. 500.00€ |
| Change of tender guarantee terms | 25.00€ one-time fee |
| Conditional letters of support/standard form | 50.00€ one-time fee |
| Unconditional letters of support | Up to 250,000.00€ - 500.00€, 250,000.00€ to 2,500,000.00€ - 0.2%, Over 2,500,000.00€ - 5,000.00€ |
| Reference letters | 10.00€ one-time fee |
| INTERNATIONAL GUARANTEES | |
| a) Guarantees covered with cash (blocked funds) | 0.50% annually min. 50.00€ + external bank charges (correspondent and/or other) |
| b) Guarantees covered with TDA | 0.60% annually, min. 50.00€ + external bank charges (correspondent and/or other) |
| c) Funded guarantees | 3.50% annually, min. 50.00€ + external bank charges (correspondent and/or other) |
| Processing fees for all funded international guarantees | 0.30% min. 50.00€ |
| Change of international guarantee terms | EUR 35.00 one-time fee (per change) (plus commission, based on the approved rate, on the increased amount and/or extended term, plus external bank charges (correspondent and/or others)) |
| General for local and international guarantees | |
| SWIFT charges | 5.00 € |
| Payment for Claimed (Protested) local guarantees | 10.00 € |
| Payment for Claimed (Protested) international guarantees | 20.00 € |
| General for local and international guarantees and letters of credit | Commission can be collected: a) in advance, b) on a monthly basis, c) on a quarterly basis |
| ADVISING OR FORWARDING OF A GUARANTEE ISSUED BY ANOTHER BANK (WITHOUT OBLIGATION FOR NLB BANKA) | |
| Guarantee advising | 0.1%, min. 35.00€, max. 250.00€ |
| Advising of guarantee amendment | 35.00€ one-time fee |
| Guarantee forwarding or forwarding of guarantee amendment | 35.00€ one-time fee |
| Payment request under the advised or forwarded guarantee | 50.00€ + postage charges (DHL or other) |
| SWIFT charges | 5.00 € |
| ISSUANCE OF A GUARANTEE BASED ON A COUNTER-GUARANTEE/GUARANTEE FROM A FOREIGN BANK (WITH OBLIGATION FOR NLB BANKA): | |
| Commission | 1.50% annually, min. 100.00€ or as per agreement |
| Guarantee issuance | 50.00€ one-time fee |
| Change of guarantee terms | 35.00€ one-time fee; commission on increased value and/or extended term (based on approved rate) |
| Payment request under a claimed (protested) guarantee | 50.00€ + postage charges (DHL or other) |
| Signature verification (for all Documentary Business products) | 25.00€ + correspondent bank charges |
| SWIFT charges | 5.00 € |
| DOCUMENTARY COLLECTIONS | |
|---|---|
| Documentary collection - against payment (D/P) (includes presentation to the importer, payment, and release of documents) | 0.4% min. 50.00€ max. 300.00€ |
| Documentary collection - Free of payment (D/F) | 0.2% min. 35.00€ max. 100.00€ |
| Amendments | 10.00 € |
| Inquiries upon Importer's request | 10.00 € |
| Return of unaccepted documents | 10.00 € + postage charges |
| Documents sent for collection, Dispatch of instructions / Documents | 100.00 € + postage charges |
| Adjustments to collection instructions | 35.00 € |
| Inquiries upon exporter's request | 10.00 € |
| Payment | 10.00 € |
| Cancellation of collection | 35.00 € |
| ESCROW AGREEMENTS | |
| Fees for mediation in the ESCROW agreement | Legal entities: 0.08% min. 20.00€ or as per agreement |
| Amendment of Agreement terms | € 20.00 for legal entities |
| Securities Services – Custody | |
| Commission for purchase of Securities (L.V.) in the primary market | 5.00€ (price per transaction) |
| Commission for purchase of Securities (L.V.) in the foreign market | 5.00€ + correspondent bank fee |
| Custody fee – annual | 0.06% of the market value of Securities (portfolio of L.V.) min. 20.00 |
| DEBIT CARDS | MasterCard | Visa Cards | ||||
|---|---|---|---|---|---|---|
| Card replacement due to: damage, loss, or theft | 5.00 € | 5.00 € | ||||
| Card re-issuance after expiration | Free of charge | Free of charge | ||||
| Card issuance for an authorized person | 5.00 € | 5.00 € | ||||
| PIN code re-issuance (in case of forgetfulness) | 5.00 € | 5.00 € | ||||
| Exchange rate fees for card transactions at POS in countries where EURO is not used | 0.02 € | 2.00% | ||||
| Chargeback expenses | 20€ per merchant | 20€ per merchant | ||||
| Withdrawal at NLB Banka ATMs inside bank premises | 0.50 € | 0.50 € | ||||
| Withdrawal at NLB Banka ATMs outside bank premises | 0.50 € | 0.50 € | ||||
| Cash withdrawal at NLB Group ATMs | 1.00 € | 1.00 € | ||||
| Payments at points of sale (POS) of NLB Banka and other banks in Kosovo | 0% | 0% | ||||
| Withdrawal at other banks' ATMs in Kosovo | 1.80% min 4€ | 1.80% min 4€ | ||||
| Withdrawal at foreign banks (counters, exchange offices) | 2.50% min 5€ | 2.50% min 5€ | ||||
| ATM Deposit | 0.20 € | 0.20 € | ||||
| Daily ATM withdrawal limit | 1,000.00 € | 1,000.00 € | ||||
| Account balance inquiry at ATM | 0.10 € | 0.10 € | ||||
| CREDIT CARDS | Comfort Card (Interest-free) | MasterCard | Visa Credit Business | Visa Credit Revolving | MasterCard Cash Cover |
|---|---|---|---|---|---|
| Card issuance and re-issuance after expiration | 5.00 € | 5.00 € | 5.00 € | Free of charge | 5.00 € |
| Monthly maintenance | 1.70 € | 1.70 € | 1.70 € | 1.70 € | 1.70 € |
| Withdrawal at NLB Banka ATMs | 2.50% min 3€ | 2.50% min 3€ | 2.50% min 5€ | 2.50% min 5€ | 2.50% min 3€ |
| Withdrawal at other banks' ATMs | 2.50% min 5€ | 2.50% min 5€ | 2.50% min 5€ | 2.50% min 5€ | 2.50% min 5€ |
| POS payments inside and outside Kosovo and internet payments | 0% | 0% | 0% | 0% | 0% |
| Exchange rate fees for card transactions at POS in countries where EURO is not used | 2% | 2% | 2% | 2% | 2% |
| Chargeback expenses | 20.00 € | 20.00 € | 20.00 € | 20.00 € | 20.00 € |
| Nominal interest rate | 24.00% | 16.00% | 14.00% | 24.00% | 12.00% |
| Effective interest rate for ATM withdrawals | 26.82% | 17.23% | 14.93% | 26.82% | 12.68% |
| Interest on POS | With installments 0.00% | 15.00% | 12.00% | 24.00% | 4.00% |
| Without installments 24.00% | |||||
| Effective interest rate for POS payments | With installments 0.00% | 16.08% | 12.68% | 26.82% | 4.07% |
| Without installments 26.82% | |||||
| First reminder | 5.00 € | 5.00 € | 5.00 € | 5.00 € | 5.00 € |
| Second reminder | 10.00 € | 10.00 € | 10.00 € | 10.00 € | 10.00 € |
| Late payment interest | 0.03% daily | 0.03% daily | 0.03% daily | 0.03% daily | 0.03% daily |
| Visa card replacement due to: damage, loss, or theft | 5.00 € | 5.00 € | 5.00 € | 5.00 € | 5.00 € |
| PIN code re-issuance (in case of forgetfulness) | 5.00 € | 5.00 € | 5.00 € | 5.00 € | 5.00 € |
| Card issuance for an authorized person | 5.00 € | 5.00 € | 5.00 € | 5.00 € | 5.00 € |
| Account balance inquiry at ATM | 0.10 € | 0.10 € | 0.10 € | 0.10 € | 0.10 € |
| 3D Secure | Free of charge | Free of charge | Free of charge | Free of charge | Free of charge |
| Note: VISA CREDIT CARD, Comfort Card – without installments: minimum payment 5% of the value, grace period maximum 45 days. | |||||
| ELECTRONIC SERVICES | E-KLIK (e-banking) | M-KLIK (mobile banking) | |
|---|---|---|---|
| Account opening | Free of charge | Free of charge | |
| Provision with M–Token / m-klik (Individuals and Legal Entities) | Free of charge | Free of charge | |
| Provision with physical Token (optional for legal entities) | 20 € | n/a | |
| M–Token (for students) | Free of charge | Free of charge | |
| Re-activation in case of Token lockout | Free of charge | Free of charge | |
| Monthly maintenance | 0.50 € | 0.50 € | |
| Monthly maintenance - For students | Free of charge | Free of charge | |
| Mobile top-up, DUO TV, Internet and Landline | 0.10€ | 0.10 € | |
| SMS BANKING | |||
| SMS user setup | Free of charge | ||
| SMS Mobile top-up, DUO TV, Internet, Landline | 0.10 € | ||
| Account balance inquiry service | 0.10 € | ||
| Confirmation SMS and e-mail for mobile top-up | Free of charge | ||
| SMS Notification for account transactions | 0.10 € | ||
| SMS Card blocking | 0.10 € | ||
| CALL CENTER SERVICE | |||
| Client identification code (Automated voice service) | 1.00 € | ||
| E-COMMERCE | |||
| Monthly maintenance | No commission | ||
| Service setup (Setup Fee) | 150.00€ (Negotiable) | ||
| Provision for single transaction with NLB Banka card | 3%, min. 0.30€ | ||
| Interest for installment payments with Comfort card | From 1.20% - 8.90% | ||
| Installment payment term | 2-48 | ||
| Total percentage for installment payments | Single transaction provision + interest per installment | ||
| Provision for transactions with other banks' cards | 5.00%, min. 0.30€ | ||
| Card on File/Recurring transaction | 0.10€ per card | ||
| Price list for the use of POS/ SMART POS terminals for Legal Entities | |||
| Provisions for single transaction payments at NLB Banka POS | 1.30% - 2.80% | ||
| Interest at NLB Banka POS for installment payments with Comfort Card | 1.20% - 8.90% | ||
| Installment payment term | 2-36 | ||
| Maintenance expenses for POS terminal | 2.00 € | ||
| * Total percentage for installment payments | Single transaction provision + Interest per installment | ||
| OTHER SERVICES | |
|---|---|
| Visa confirmation - for embassy | 10.00 € |
| Certificate of client's credit obligations | 25.00 € |
| Letter of recommendation - turnover reference | 10.00 € |
| Balance confirmation - Request from auditors | 10.00 € |
| Special client request for documents | Within 6 months - 10.00€ After 6 months - 15.00€ |
| Certificate of bank expenses | 10.00 € |
| Salary registration via list | 10.00€ for hard copy |
| Intra-bank salary registration via Excel by email | 5.00 € |
| Change of guarantor | 20.00 € |
| Change of pledge/collateral | 30.00 € |
| Change of Mortgage | 150.00 € |
| Withdrawal with foreign cards (from outside Kosovo) at NLB Banka ATMs | 5.00 € |
| Dynamic Currency Conversion (DCC) fee for ATM withdrawals - with non-Euro cards (MasterCard and VISA) | 7% for ATM withdrawal |
| Consent for mortgage/subdivision etc. | 10.00 € |
| Letter of support for clients/tender application | 50€ |
| Account closure | 3.00€ |