| NLB Bank Product Catalog – Price List Effective Date: 01.02.2026 | |||||||
| Products / Services | Standard Package | Premium Package | Premium Plus Package | Student Package | Payment account with basic services | Smart Package | Family Package |
|---|---|---|---|---|---|---|---|
| Opening and maintenance of accounts (current and savings) | √ | √ | √ | √ | √ | Monthly account maintenance
Monthly debit card maintenance
| Joint account No commission
Individual account for children No commission
Mirëmbajtja e kartelës debitore No commission
Account authorization No commission
Other products and services “A la carte banking” According to the current price list |
| Debit card issuance fee | 5.00€ | √ | √ | √ | 2.00€ | ||
| Monthly debit card maintenance | √ | √ | √ | √ | √ | ||
| Debit card reissue after expiration | 5.00€ | √ | √ | √ | 2.00€ | ||
| KEDS payments via Direct Debit | √ | √ | √ | √ | √ | ||
| Account opening for mKlik (Mobile Banking) | √ | √ | √ | √ | √ | ||
| Monthly account maintenance for mKlik (Mobile Banking) | √ | √ | √ | √ | n/a | ||
| Account opening for eKlik (E-banking) | √ | √ | √ | √ | √ | ||
| Monthly account maintenance for eKlik (E-banking) | 0.50€ | √ | √ | √ | n/a | ||
| M-Token | √ | √ | √ | √ | √ | ||
| Interbank transfers via eKlik or mKlik | √ | √ | √ | √ | √ (including counter transfers) | ||
| Interbank transfers via eKlik and mKlik (non-priority) | 1.00€ | 1.00€ | √ | 1.00€ | n/a | ||
| NLB PAY, Viber Chat, | √ | √ | √ | √ | √ | ||
| Standing order | √ | √ | √ | n/a | √ | ||
| Direct debit | √ | √ | √ | n/a | √ | ||
| Utility payments for public service companies (PTK, Regional Water Supply) via eKlik/mKlik | √ | √ | √ | √ | √ | ||
| Cash withdrawal at NLB Banka ATMs (on-site/indoor) | 0.50€ | 0.05€ | √ | 0.15€ | √ (including counter transfers) | ||
| Cash withdrawal at NLB Banka ATMs (off-site/outdoor) | 0.50€ | 0.05€ | √ | 0.30€ | √ (including counter transfers) | ||
| Cash withdrawal at NLB Group ATMs | 1.00€ | √ | √ | 1.00€ | n/a | ||
| Cash deposit at ATMs | 0.10€ | 0.10€ | √ | 0.10€ | √ (including counter transfers) | ||
| Issuance and reissuance upon expiration of the Master Comfort Credit Card | 5.00€ | √ | √ | n/a | 5.00€ | ||
| Master Comfort Credit Card maintenance | 1.70€ / month | First year free of charge | First year free of charge | n/a | 1.70€ / month | ||
| Issuance and reissuance upon expiration of the Visa Revolving Credit Card | √ | √ | √ | n/a | √ | ||
| Visa Revolving Credit Card maintenance | 1.70€ / month | First year free of charge | First year free of charge | n/a | 1.70€ / month | ||
| Account statement printing (once a month) | √ | √ | √ | √ | √ | ||
| SMS notification for card transactions | √ | √ | √ | √ | n/a | ||
| SMS notification for internal incoming transfers & Salary | 0.20€ | √ | √ | 0.20€ | n/a | ||
| SMS notification for incoming transfers from other banks & Salary | 0.20€ | √ | √ | 0.20€ | n/a | ||
| SMS notification for incoming international transfers | 0.20€ | √ | √ | 0.20€ | n/a | ||
| SMS notification for outgoing international transfers | 0.20€ | 0.20€ | √ | 0.20€ | n/a | ||
| SMS notification for outgoing interbank transfers | 0.20€ | 0.20€ | √ | 0.20€ | n/a | ||
| SMS notification for outgoing interbank transfers | 0.20€ | 0.20€ | √ | 0.20€ | n/a | ||
| Personal banker service | n/a | n/a | √ | n/a | n/a | ||
| VIP call center hotline | n/a | n/a | √ | n/a | n/a | ||
| Monthly package maintenance | 2.50€ | 3.00€ | 6.00€ | Free of charge | 0.50€ | Free of charge | Free of charge |
*Monthly maintenance for non-resident clients is €3.50 for the Standard Package, while for the Premium Package it is €4.00 * For payment accounts with basic services, the monthly maintenance for vulnerable consumer categories is €0.00. https://bqk-kos.org/wp-content/uploads/2022/12/Rregullore-per-qasje-ne-llogari-pagese-me-sherbime-bazike-.pdf | |||||||
| OTHER SERVICES | |||||||
| Authorized person | 2.00€ | ||||||
| Cash withdrawal at the counter (Pensioners, and accounts for orphans and social assistance are exempt from commission) | Up to €4.99 - no commission | ||||||
| From €5.00 to €10,000: €3.00 | |||||||
| Over €10,001: 0.10% of the amount | |||||||
| Cash withdrawal at the counter by Exchange Offices | n/a | ||||||
| Deposit of funds at the counter | 2.50€ | ||||||
| Bulk coin deposit | No commission | ||||||
| Bulk deposit by children with a Savings Box (Arkë) | Free | ||||||
| Deposits / Conversions for old GBP and CHF banknotes | 2% min. 1.00 GBP, CHF | ||||||
| Damaged banknotes for transfer to foreign banks | Up to €50.00: €5.00 | ||||||
| Over 50.00€: 0.5%, min. 20€ | |||||||
| Exchange of damaged banknotes | One banknote: €1.00 | ||||||
| More than one banknote: €0.50 | |||||||
| Deposits by third parties into the client's account | In all currencies €5.00 | ||||||
| Printing of account statement | Once a month free | ||||||
| Others €0.20 per page | |||||||
| Sending the account statement via e-mail | Free of charge | ||||||
| TERM DEPOSITS FOR INDIVIDUALS | ||
|---|---|---|
| Term deposit | Gradual savings | |
| 12 months | 1.00% | 3.15% |
| 24 months | 1.10% | 3.30% |
| 36 months | 1.20% | 3.45% |
| 48 months | 1.30% | 3.60% |
| 60 months | 1.50% | 3.75% |
Notice: For term deposit amounts in EUR for the period of 13 to 60 months withdrawn before maturity, the demand (avista) interest rate shall not be calculated. 1. The minimum amount for term deposits (TDA), for all types of maturities, is €100. At any time after the 1-year period has passed, with prior notice. In the event of early termination of the contract, on the saved amount, in addition to the accrued interest (as described), a demand (avista) interest supplement of 0.15% for the months of the following year shall apply. | ||
| Interest rate structure for Savings Account/ Flexible savings (Individuals only) | ||
| Account opening and maintenance | Free of charge | |
| Minimum deposit amount | 10 € | |
| Interest on individual savings account | 0.05% | |
| Interest on children's savings account | 0.05% | |
| Interest on flexible savings account | Up to €4,999: 0.15%, Over €5,000: 0.30% | |
| Loans for individuals | |||
|---|---|---|---|
| For payroll recipients | For business owners | ||
| Personal loan up to €10,000 with a maximum term of 10 years | Interest rate without life insurance: 7.50%, EIR: 8.01% | Interest rate without life insurance: 7.99%, EIR: 8.53% | |
| Interest rate with life insurance: 7.00%, EIR: 7.47% | Interest rate with life insurance: 7.49%, EIR: 7.99% | ||
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Personal loan from €10,000.01 up to €35,000 with a maximum term of 10 years | Interest rate without life insurance: 7.50%, EIR: 8.01% | Interest rate without life insurance: 7.99%, EIR: 8.53% | |
| Interest rate with life insurance: 7.00%, EIR: 7.47% | Interest rate with life insurance: 7.49%, EIR: 7.99% | ||
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Eco Loan up to €25,000 with a maximum term of 10 years | Interest rate without life insurance: 6.50%, EIR: 6.93% | Interest rate without life insurance: 7.00%, EIR: 7.47% | |
| Interest rate with life insurance: 6.00%, EIR: 6.40% | Interest rate with life insurance: 6.50%, EIR: 6.93% | ||
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Car loan, maximum term 7 years | Interest rate, without life insurance: 7.00%, EIR: 7.56% | Interest rate without life insurance: 7.50%, EIR: 8.09% | |
| Interest rate, with life insurance: 6.50%, EIR: 7.06% | Interest rate, with life insurance: 7.00%, EIR: 7.56% | ||
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Car loan with CASCO insurance, maximum term 7 years | Interest rate: 6.50%, EIR: 7.02% | Interest rate: 7.00%, EIR: 7.56% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Auto Premium Loan, Up to €150,000 with a maximum term of 5 years | Interest rate: 6.00%, EIR: 6.61% | Interest rate: 6.50%, EIR: 7.14% | |
| Administrative expenses: 1.00% (CASCO mandatory) | Administrative expenses: 1.00% (CASCO mandatory) | ||
| Unsecured Loan, Up to €15,000 with a maximum term of 10 years | Interest rate: 10.00%, EIR: 10.73% | Interest rate: 10.00%, EIR: 10.73% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| mKlik Online Loan, Up to €10,000 with a maximum term of 10 years | Interest rate: 8.99%, EIR: 9.52% | Interest rate: 8.99%, EIR: 9.52% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Loan for salary recipients at other banks up to €35,000, up to 10 years | Interest rate: 15.00%, EIR: 16.37% | NA | |
| With life insurance, administrative expenses: 1.00% | |||
| Overdraft (3 salaries) maximum term 3 years | Interest rate: 15.00%, EIR: 16.32% | Interest rate: 15.00%, EIR: 16.32% | |
| Administrative expenses: 0.50% | Administrative expenses: 0.50% | ||
| Cash Collateralized Loan (Loan against blocked funds) | Interest rate: 1.50%, EIR: 1.51% | Interest rate: 1.50%, EIR: 1.51% | |
| Administrative expenses: 0% | Administrative expenses: 0% | ||
| Loan for purchase, construction, or renovation of a house | |||
| Credit product | For payroll recipients | For business owners | For the Diaspora |
| Loan up to €10,000, maximum term 10 years (without mortgage) | Interest rate without life insurance: 7.50%, EIR: 8.01% | Interest rate without life insurance: 7.99%, EIR: 8.53% | NA |
| Interest rate with life insurance: 7.00%, EIR: 7.47% | Interest rate with life insurance: 7.49%, EIR: 7.99% | ||
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | ||
| Loan from €10,001 to €50,000, maximum term 10 years (without mortgage) | Interest rate without life insurance: 7.50%, EIR: 7.94% | Interest rate without life insurance: 7.99%, EIR: 8.47% | Interest rate without life insurance: 7.99%, EIR: 8.47% |
| Interest rate with life insurance: 7.00%, EIR: 7.40% | Interest rate with life insurance: 7.49%, EIR: 7.93% | Interest rate with life insurance: 7.49%, EIR: 7.93% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | Administrative expenses: 1.00% (with mortgage) | |
| From €50,001 up to €100,000, maximum term 15 years (with Mortgage) | Interest rate without life insurance: 6.50%, EIR: 6.86% | Interest rate without life insurance: 7.00%, EIR: 7.40% | Interest rate without life insurance: 8.00%, EIR: 8.48% |
| Interest rate with life insurance: 6.00%, EIR: 6.33% | Interest rate with life insurance: 6.50%, EIR: 6.86% | Interest rate with life insurance: 7.50%, EIR: 7.94% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | Administrative expenses: 1.00% | |
| From €50,001 up to €100,000, term over 15 years (with Mortgage) | Interest rate without life insurance: 7.00%, EIR: 7.33% | Interest rate without life insurance: 7.50%, EIR: 7.87% | Interest rate without life insurance: 8.50%, EIR: 8.96% |
| Interest rate with life insurance: 6.50%, EIR: 6.80% | Interest rate with life insurance: 7.00%, EIR: 7.33% | Interest rate with life insurance: 8.00%, EIR: 8.41% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | Administrative expenses: 1.00% | |
| From €100,001 to €500,000, maximum term 30 years (with Mortgage) | Interest rate without life insurance: 6.50%, EIR: 6.80% | Interest rate without life insurance: 7.00%, EIR: 7.33% | Interest rate without life insurance: 7.50%, EIR: 7.87% |
| Interest rate with life insurance: 6.00%, EIR: 6.27% | Interest rate with life insurance: 6.50%, EIR: 6.80% | Interest rate with life insurance: 7.00%, EIR: 7.33% | |
| Administrative expenses: 1.00% | Administrative expenses: 1.00% | Administrative expenses: 1.00% | |
| Over 15 years (maximum term 30 years), Variable rate + 3 years fixed (with Mortgage) | Interest rate: 6.00% | Interest rate: 6.00% | Interest rate: 6.00% |
| Admin. expenses (without life insurance): 1.00% EIR: 6.27% | Admin. expenses (without life insurance): 1.00% EIR: 6.27% | Admin. expenses (without life insurance): 1.00% EIR: 6.27% | |
| Admin. expenses (with life insurance): 0.50% EIR: 6.22% | Admin. expenses (with life insurance): 0.50% EIR: 6.22% | Admin. expenses (with life insurance): 0.50% EIR: 6.22% | |
| The effective interest rate (EIR) is calculated in accordance with the guidelines of the regulation on effective interest rates and disclosure requirements issued by the Central Bank. For the calculation of the EIR, the nominal rate, administrative expenses, and the maximum duration per product have been taken into account. The minimum term for variable-rate loans is 15 years. | |||
| OTHER PACKAGES | ||||
|---|---|---|---|---|
| Products / Services | Pensioners | Students | New mothers and their children (0-16 years old) | Youth and children |
| Current account | Monthly package maintenance: 0.00€ | Monthly package maintenance: free of charge | Monthly package maintenance: 1.00€ |
Current account for children |
| Commission for withdrawals and deposits at the Bank's Counter and ATMs: 0.00€ | ||||
| Savings account | √ | √ | n/a | √ |
| Debit card | Fee for card issuance: 2.00€ Fee for card re-issuance after expiration: 2.00€ Maintenance free of charge | Issuance, re-issuance, and maintenance free of charge | Fee for card issuance: 2.00€ Fee for card re-issuance after expiration: 2.00€ Maintenance free of charge | Teenage Maestro Card |
| SMS Banking (Notification for card transactions) | Free of charge | Free of charge | n/a | n/a |
| Loans | The maximum credit exposure amount is €3,000 | Interest rate: 5.50%, EIR: 5.64% | n/a | n/a |
| Interest rate: 7.99%, Provision: 1.00%, EIR: 8.75% | Provision 0.00% | |||
| Maximum loan term: 60 months | Maximum loan term: 12 months | |||
| The loan is granted with life insurance, and the premium is paid by the Bank for the entire period. | Maximum loan amount: €1,000 | |||
| MARRËVESHJET ESCROW | |
|---|---|
| Shpenzimet për ndërmjetësim në marrëveshjen ESCROW | Klientët fizik: 0.08% min. 15.00€ apo sipas marrëveshjes |
| Ndryshimi i kushteve të Marrëveshjes | € 15.00 për klientët fizik |
| Shërbimet për letra me vlerë – Kujdestaria (Custody) | |
| Komisioni për blerjen e L.V në tregun primar | 5.00€ (çmimi për transaksion) |
| Komisioni për blerjen e L.V. në tregun e jashtëm | 5.00€ + tarifa e bankës korrespondente |
| Komisioni për kujdestari (Custody fee) – vjetore | 0.06% nga vlera e tregut e L.V. (portfolio e L.V.) min. 20.00 |
| National transfers | Counter / From account | Counter / In cash | E-banking / M-banking (Digital banking) | |||
|---|---|---|---|---|---|---|
| Transfers within the bank | 1.00 € | n/a | Free of charge | |||
| Internal bank transfers for payment purposes | 5.00 € | n/a | Free of charge | |||
| Outgoing | ||||||
| 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 (utility services) 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 € | Free of charge | |||
| Giro payments for public utility companies (PTK, Regional Water Companies) | 5.00 € | 5.00 € | Free of charge | |||
| Giro payments for customs | 5.00 € | 5.00 € | 0.50 € | |||
| Giro payments for Insurance Companies | 5.00 € | 5.00 € | 0.50 € | |||
| Incoming | ||||||
| Interbank transfers – incoming | Free of charge | |||||
| Incoming interbank transfers via the ICS mass module (Interbank Clearing System) | ||||||
| Salaries | Free of charge | |||||
| Damages and others (Claims and other payments) | 1.00€ per transaction | |||||
| Others | ||||||
| Direct Debit for the Debtor | Within the CBK (Central Bank of Kosovo) scheme for DD - Free of charge, Interbank (within the bank) outside the CBK scheme for DD - 0.10€ | |||||
| Direct Debit for the creditor | According to the agreement | |||||
| Claims/Disputes initiated by customers | 5.00 € | |||||
| International transfers | ||||||
| Outgoing transfers at the counter | 0.30% Minimum €15 (equivalent in other currencies) max. €1,000 (equivalent in other currencies) | |||||
| Outgoing transfers via e-banking | 0.15% Minimum €7.50 (equivalent in other currencies) max. €500 (equivalent in other currencies) | |||||
| Outgoing transfers with the OUR option | The aforementioned fee for international outgoing 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 from physical persons (individuals) to NLB Group (counter and e-banking) | Outgoing EUR 5.00 regardless of the amount, with BEN and SHARE options | |||||
| Payments from physical persons (individuals) to NLB Group (counter and e-banking) | Outgoing EUR 10.00 regardless of the amount, with OUR option | |||||
| Payments from legal entities (businesses) to NLB Group at the counter | 0.1%, min. 10.00€, max. 200€ | |||||
| Payments from legal entities (businesses) to NLB Group (e-banking) | Outgoing €5, regardless of the amount with BEN and SHARE options | |||||
| Payments from legal entities (businesses) to NLB Group (e-banking) | Outgoing €10, regardless of the amount with OUR option | |||||
For outgoing payments with the OUR option, in addition to the fixed amounts predefined in the price list, The Bank reserves the right to apply additional charges if they exceed the fixed predefined commission charged by the respective (correspondent) Bank. | ||||||
| Incoming transfers – BEN and SHARE | Fees | |||||
| Up to 10.00€ | Free of charge | |||||
| 10.00€ to 200.00 € | 5,00€ | |||||
| Over 200.00 € to 10,000.00 € | 10,00€ | |||||
| Over 10,000.00 € | 0.15% max. 750€ | |||||
| Transfers from NLB Group for individuals and legal entities - payments received directly from the ordering bank of NLB Group or through an intermediary bank that is an NLB Group Bank (when both the ordering and intermediary banks are part of NLB Group). | Incoming €5, regardless of the 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 requested OUR option. | ||||||
| Other international transfer services | Fees | |||||
| Dispute (Claim) / payment amendment / incorrect data - outgoing transfers | 10.00 € | Per transaction / Third-party commissions for amendments, cancellations | ||||
| Anulimi i transfertës ndërkombëtare dalëse | 10.00 € | reklamimet/investigimet do të kalojnë te klienti (nëse aplikohen) | ||||
| Reklamim/ndryshim i pagesës/ të dhëna pasakta - transfere hyrëse | 10.00 € | Me rastin e kthimit të pagesës hyrëse, komisioni per investigim dhe kthim do te zbritet nga shuma e pranuar. Në rast të mos panimit të dhënave të sakta nga banka korespodente për kreditim, komisioni për reklamim dhe anulim/kthim të transferit zbritet nga shuma | ||||
| Anulim/kthim I transferit hyrës ndërkombëtar | 10.00 € | |||||
| GPI gjurmimi i pagesave + SWIFT konfirmimi | 0.25 € | Për transaksion (për transfere dalëse ndërkombëtare). | ||||
| DEBIT CARDS | Master Card | Visa Cards | ||||
|---|---|---|---|---|---|---|
| Card replacement due to damage, loss, or theft | 5.00 € | 5.00 € | ||||
| Card reissuance after expiration | 5.00 € | 5.00 € | ||||
| Card issuance for an authorized person | 5.00 € | 5.00 € | ||||
| PIN code reissuance (in case of forgetting) | 5.00 € | 5.00 € | ||||
| Exchange rate fee for POS transactions in non‑Euro countries | 2.00% | 2.00% | ||||
| Chargeback handling fee | 20€ per merchant | 20€ per merchant | ||||
| Cash withdrawal at NLB Bank ATMs inside branch premises | 0.50 € | 0.50 € | ||||
| Cash withdrawal at NLB Bank ATMs outside branch premises | 0.50 € | 0.50 € | ||||
| Cash withdrawal at NLB Group ATMs | 1.00 € | 1.00 € | ||||
| Payments at POS terminals of NLB Bank and other banks in Kosovo | 0% | 0% | ||||
| Cash withdrawal at other banks’ ATMs in Kosovo | 1.80% min 4€ | 1.80% min 4€ | ||||
| Cash withdrawal abroad (counters, exchange offices) | 2.50% min 5€ | 2.50% min 5€ | ||||
| Cash deposit at ATM | 0.20 € | 0.20 € | ||||
| Daily ATM withdrawal limit | 1.000.00 € | 1.000.00 € | ||||
| Balance inquiry at ATM | 0.10 € | 0.10 € | ||||
| Incoming transfer via card | 1% | 1% | ||||
| CREDIT CARDS |
Comfort Card
| Master Card | Visa Credit Business | Visa Credit Revolving | Master Card Cash Cover |
|---|---|---|---|---|---|
| Card issuance and reissuance after expiration | 5.00€ | 5.00€ | 5.00€ | Free of charge | 5.00€ |
| Monthly maintenance fee | 1.70€ | 1.70€ | 1.70€ | 1.70€ | 1.70€ |
| Cash withdrawal at NLB Bank ATMs | 2.50% min. 5€ | 2.50% min. 5€ | 2.50% min. 5€ | 2.50% min. 5€ | 2.50% min. 3€ |
| Cash 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/outside Kosovo & online | 0% | 0% | 0% | 0% | 0% |
| Exchange rate fee for POS transactions in non‑Euro countries | 2% | 2% | 2% | 2% | 2% |
| Chargeback processing fee | 20.00€ | 20.00€ | 20.00€ | 20.00€ | 20.00€ |
| Nominal annual interest rate | 24% | 16% | 14% | 24% | 12% |
| Effective interest rate for POS payments | 26.82% | 17.23% | 14.93% | 26.82% | 12.68% |
| POS interest rate | Installments: 0.00% | 15% | 12% | 24% | 4% |
| Without installments: 24.00% | |||||
| Effective interest rate for POS payments | Installments: 0.00% | 16.08% | 12.68% | 26.82% | 4.07% |
| Without installments: 26.82% | |||||
| First reminder notice | 5.00€ | 5.00€ | 5.00€ | 5.00€ | 5.00€ |
| Second reminder notice | 10.00€ | 10.00€ | 10.00€ | 10.00€ | 10.00€ |
| Penalty 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 reissuance (forgotten PIN) | 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€ |
| Balance inquiry at ATM | 0.10€ | 0.10€ | 0.10€ | 0.10€ | 0.10€ |
| 3D Secure | Free | Free | Free | Free | Free |
| Note: For the VISA Credit Card and Comfort Card – without installments: Minimum payment: 5% of the outstanding balance; Grace period: up to 45 days | |||||
| Electronic Banking Services | E-KLIK (e-banking) | M-KLIK (mobile banking) | |
|---|---|---|---|
| Account opening | Free of charge | Free of charge | |
| Issuance of M‑Token / m‑Klik (individuals & businesses) | Free of charge | Free of charge | |
| Issuance of physical Token (optional for legal entities) | 20 € | n/a | |
| M‑Token for students | Free of charge | Free of charge | |
| Reactivation in case of Token blockage | Free of charge | Free of charge | |
| Monthly maintenance | 0.50 € | 0.50 € | |
| Monthly maintenance – Student | Free of charge | Free of charge | |
| Mobile top‑ups, DUO TV, Internet & Fixed line payments | 0.10€ | 0.10 € | |
| SMS BANKING | |||
| Opening the SMS user profile | Free of charge | ||
| SMS mobile top‑up, DUO TV, Internet, Fixed line | 0.10 € | ||
| Account balance inquiry service | 0.10 € | ||
| SMS & email confirmation for mobile top‑up | Free of charge | ||
| SMS notifications for account transactions | 0.10 € | ||
| SMS card blocking | 0.10 € | ||
| SMS for 3D Secure (Online Payments) | 0.20 € | ||
| CALL CENTER SERVICE | |||
| Client identification code (Automated Voice System) | 1.00 € | ||
| E - COMMERCE | |||
| Monthly maintenance | Free of charge | ||
| Service setup fee | 150.00€ (Negotiable) | ||
| Commission for a single transaction with NLB Bank cards | 3%, min. 0.30€ | ||
| Interest rate for installment payments with Comfort Card | from 1.20% to 8.90% | ||
| Installment payment period | 444 | ||
| Total cost for installment payments | Transaction commission + installment interest | ||
| Commission for transactions with cards from other banks | 5.00%, min. 0.30€ | ||
| Card on File/Recurring transaction | 0.10€ per card | ||
| POS / SMART POS TERMINAL FEES FOR BUSINESS CLIENTS | |||
| POS transaction commission with NLB Bank cards | 1.30% - 2.80% | ||
| POS interest rate for installment payments with Comfort Card | 1.20% - 8.90% | ||
| Installment payment period | 2-36 | ||
| POS terminal maintenance cost | 2.00 € | ||
| * Total cost for installment payments | Transaction commission + installment interest | ||
| OTHER SERVICES | |
|---|---|
| Visa confirmation – for embassy | 10.00 € |
| Certificate of client loan obligations | 25.00 € |
| Recommendation letter – account turnover reference | 10.00 € |
| Account balance confirmation – Auditor request | 10.00 € |
| Special client request for documents | Within 6 months - 10€ After 6 months - 15€ |
| Certificate of banking expenses | 10.00 € |
| Payroll processing with paper list | 10.00€ (hard copy) |
| Payroll processing within the bank in Excel via email | 5.00 € |
| Change of guarantor | 20.00 € |
| Change of collateral | 30.00 € |
| Change of mortgage | 150.00 € |
| Withdrawals with foreign cards (outside Kosovo) at NLB Bank ATMs | 5.00 € |
| Dynamic Currency Conversion (DCC) fee for ATM withdrawals with non‑Euro cards (Master & VISA) | 7% per ATM withdrawal |
| Consent for mortgage / partial release, etc. | 10.00 € |
| Support letter for clients / tender application | 50.00 € |
| Mbyllja e llogarisë | 3.00 € |