Current Account Maintenance Fee for salary receivers*
€ 1.50
Monthly
- E-Banking
- Individual
- Biznes
Pricelist
General Tariffs
Commission types
Commission
Accounts
Individual clients
Validity
Current Account Maintenance Fee for non-salary receivers*
€ 1.50
Monthly
Current Account Maintenance Fee of currencies (USD, CHF, GBP)
0.75
Monthly
Savings Account Maintenance Fee (EUR, USD, CHF, GBP)
0.75
Monthly
Payment Account with Basic Features Fee
€ 0.53
Monthly
Current Account opening in all currencies
Free of charge
Per current account
Current Account Closure in all currencies (upon client’s request)
2.50
Fee will be applied only in the last closed current account
Savings Account Opening/Closure in all currencies
Free of charge
Time Deposit Account Opening/Closure
Free of charge
Withdrawal fee from Flexi account
€ 6.00
The fee applies if more than 5 withdrawals or transfers are made during the month, then this fee applies for any withdrawal or transfer
Child Savings Account Opening in all currencies
Free of charge
Contract on the conditional transaction account
€ 30.00
Will be equally transferred by Buyer and Seller
Commission types
Commission
Accounts
Individual clients
Validity
Time Out Loan
€ 5.00
Per account
Cash deposit in Cash box (in EUR currency)
€ 1.00
Valid for amounts >=5 € - <=5,995 €
Deposit by third parties (in EUR currency)**
€ 1.00
Per transaction
Depositing cash in the cash register in other currencies
Free of charge
Per transaction
Deposit from third parties in other currencies
Free of charge
Per transaction
Credit Products Closure Confirmation
Free of charge
Person's Authorization per account
Free of charge
Per authorization
Money transfers
Outgoing transfers for other banks in Kosovo
€ 1.75
Per transaction
Outgoing transfers for other banks in Kosovo with priority***
€ 5.00
Per transaction
Outgoing transfers for other banks in Kosovo using E-Banking
€ 0.75
Per transaction
Outgoing transfers for other banks in Kosovo using E-Banking with priority
€ 4.00
Per transaction
Outgoing transfers for other banks in Kosovo using TEB Mobile
€ 0.75
Per transaction
National incoming transfers
€ 0.00
Per transaction
International outgoing transfers EUR*****
0.30 % min. € 15 / max. € 1,000
Per transaction
International outgoing transfers USD*****
0.30 % min. $ 15 / max. $ 1000
Per transaction
International outgoing transfers GBP*****
0.30 % min. £ 15 / max. £ 1000
Per transaction
International outgoing transfers CHF*****
0.30 % min. CHF 15 / max. CHF 1000
Per transaction
International outgoing transfers via e-Banking EUR*****
0.15 % min. € 15 / max. € 1000
Per transaction
International outgoing transfers via e-Banking USD*****
0.15 % min. $ 15 / max. $ 1000
Per transaction
International outgoing transfers via e-Banking GBP*****
0.15 % min. £ 15 / max. £ 1000
Per transaction
International outgoing transfers via e-Banking CHF*****
0.15 % min. CHF 15 / max. CHF 1000
Per transaction
International incoming transfers EUR
0.30 % min. € 15 / max. €1000
Per transaction
International incoming transfers USD
0.30 % min. $ 15 / max. $ 1000
Per transaction
International incoming transfers CHF
0.30 % min. CHF 15 / max. CHF 1000
Per transaction
International incoming transfers GBP
0.30 % min. £ 15 / max. £ 1000
Per transaction
Automatic notification of SWIFT via e-mail
€ 0.15
Per transaction
Transfer reclamation fee
Depends from correspondent bank
Per transaction
Within bank transfers in all currencies
1.00
Per transaction (same price for any currency)
Transfers within the bank using E-Banking in all currencies
Free of charge
Per transaction
Transfers within the bank using TEB Mobile in all currencies
Free of charge
Per transaction
Transfers within the bank between client accounts in all currencies
Free of charge
Per transaction
Other
E-banking maintenance fee
€ 0.50
Monthly
E-Banking PIN code resetting in branch
Free of charge
For reset
Reset of PIN for E-Banking through Call center
Free of charge
For reset
Automatic order - contract completion in the Branch
Free of charge
For definition
Automatic order – contract completion for E-banking
Free of charge
For definition
Annual maintenance for TEB SMS Top-Up
€ 1.00
Annual
Transaction fee for TEB SMS Top-Up(applicable to all payment channels)
€ 0.10
Per transaction
Fee for TEB SMS notification
€ 0.20
Per SMS
Fee for Ipko Digital TV & Internet
€ 0.50
Per transaction
Fee for Ipko Digital TV & Internet using E-Banking
€ 0.50
Per transaction
Fee for Ipko Digital TV & Internet using E-Banking TEB Mobile
€ 0.50
Per transaction
Cash Withdrawal in cash counters*******
€2 up to 2000 EUR ; €1 over €2000 up to €10,000; over 10,000 0.01% from amount
Per transaction
Cash Withdrawal in cash counters from the child’s account
Free of charge
Per transaction
Deposit fee for coins
Free of charge
Visa Confirmation on all channels
Free of charge
Account Statement sent by mail
Free of charge
Change of Pledge registration
€ 30.00
Per transaction
Request for a payment copy
Free of charge
Mobile Banking maintenance******
Not applicable
Card PIN Code resetting in branch
Free of charge
For reset
Card PIN Code resetting at the ATM
Free of charge
Payment of KESCO bills through SMS
€ 0.50
Per transaction
Payment of CUSTOMS bills through SMS
€ 0.20
Per transaction
*Valid from 01.02.2021. For student accounts and pension accounts, account maintenance fees are not applicable.
** Deposit by third parties (in EUR currency) – will be without commission for Corporate Clients only for Daily Turnover.
*** Valid only for transfers up to 10,000 EUR.
***** The fees applied by the Corresponding Bank for international outgoing transfers are not included in the pricelist.
***** Cash withdrawal – commissions will be applied to all currencies equivalent to EUR.
****** If the customer has e-banking, M-banking monthly payment is free of charge.
Card commission and fees
Commission types
Commission
Credit cards
Individual clients
Validity
Credit cards
Starcard
Administrative expenses for the main card limit
Free of charge
Fee applied only once
Card annual maintenance fee
€ 25.00
Annual
Card annual maintenance fee - additional card
€ 15.00
Annual
Card issuance
Free of charge
Per card
Change of card (additional card) Card re-issuance
€ 2.50
Per card
Credit card statement delivery via e-mail
Free of charge
Per statement
Credit card statement delivery via mail
€ 2.50
Per delivery
Monthly fee for cards status
Free of charge
Fee on the limit exceeding
€ 2.00
Per statement (It only applies if the limit is exceeded)
Warning fee (SMS/Letter) for delay on payment of credit products
€ 2.50
Prior to any change on KCR (Kosovo Credit Registry) categories
Annual interest rate for maximum payment
0%
Annual
Annual interest rate for minimum payment
24%
Annual
The annual rate of interest delay
***The interest rate shall be calculated on the basis of the requirement of the CBK Regulation
Cash reversal expenses (only for unjustified complaints)
€ 25.00
Per complaint
Interest rate for cash withdrawal
24%
Annual
Credit Card limit increase
€ 3.00
For limit increase
KOS Gyro and Collector payments in cash counters by card in a single transaction*
Free of charge
Per transaction
KOS Gyro and Collector payments in cash counters by card in single transaction*
2% - min. € 2
Per transaction
Online and international POS payment with 2 installments
For purchases from €50 - €299.99 a commission of 2.5%, min. €3 applies
Per transaction
Online and international POS payment with 3 installments
For purchases over €300 a commission of 3%, min. €3 applies
Per transaction
Cash withdrawals with Credit Card
Cash withdrawals in ATMs inside and outside bank premises
2.5% - min. € 3
Per transaction
Cash withdrawals on other banks ATMs in Kosovo
2.5% - min. € 3
Per transaction
Cash withdrawals on other banks ATMs outside Kosovo
2.5% - min. € 3
Per transaction
STARCASH (cash withdrawal in installments)
Fee for cash withdrawal in installments
2.5% - min. € 3
Per transaction
Interest rate for cash withdrawal in installments
24%
Annual
Withdrawal fee for card holders from other countries
Withdrawal fee for card holders from other countries
€ 5
Per withdrawal
Dynamic currency conversion
8%
Per withdrawal
Transactions via ATM
Debit Kartelat
Internal bank transfers
Free of charge
Per transaction
Transfers to other domestic banks
€ 1.50
Per transaction
Credit cards
Payment of card debt with cash deposit at Cash Box
€ 1.00
Applicable for all amounts, including payments with credit cards of other persons
Payment of card debt from account at ATM
Free of charge
Per transaction
Payment of card debt with cash deposit at ATM
Free of charge
Per transaction
Payment of card debt for other persons at ATM
Free of charge
Per transaction
Payment of card debt through E-Banking
Free of charge
Per transaction
Payment of card debt through TEB Mobile
Free of charge
Per transaction
Customer credit card debt installment
Customer credit card debt with 2 installments
3.38%
Per transaction
Customer credit card debt with 3 installments
3.92%
Per transaction
Customer credit card debt with 4 installments
4.45%
Per transaction
Customer credit card debt with 5 installments
4.98%
Per transaction
Customer credit card debt with 6 installments
5.52%
Per transaction
Customer credit card debt with 7 installments
6.05%
Per transaction
Customer credit card debt with 8 installments
6.59%
Per transaction
Customer credit card debt with 9 installments
7.12%
Per transaction
Customer credit card debt with 10 installments
7.65%
Per transaction
Customer credit card debt with 11 installments
8.19%
Per transaction
Customer credit card debt with 12 installments
8.72%
Per transaction
Payments in POS Terminals
Payments in our bank POS Terminals
Free of charge
Payments in other banks POS Terminals in Kosovo
Free of charge
Payments in other banks POS Terminals outside Kosovo
Free of charge
Fee for currency conversion for transactions that are not performed in EUR (ATM/POS/Online) with Debit Card and Starcard
2 %
Per transaction
Payments via Internet
Online purchases with Starcard
Free of charge
Online purchases with Debit Card***
Free of charge
Allowed limits
Max. daily limit for cash withdrawals in ATM with Debit Card
€ 2,000
Daily
Maximum daily limit of cash deposit on ATM with debit card
€ 9,995
Daily accumulated limit
Daily max. cash withdrawal limit at ATMs with Credit Card
€ 500
Daily accumulated limit
Maximum daily limit for credit card payment in ATM
€ 5,000
Daily accumulated limit
Allowed limit for cash withdrawal with Credit Card
50 %
Of limit
Allowed limit for withdrawing cash in ATM (national and international card)
€ 1,000
Daily limit
Visa infinite
Issuance
€ 200
Per card
Additional card/Card reissuance
€ 200
Per card
Card Annual Maintenance Fee
€ 100
Annual
*The annual maintenance fee will start to be calculated from the moment the card PIN is set.
Debit kartelat
Issuance
€ 2.50
Per card
Cash withdrawal in ATMs in bank premises and outside bank premises
Free of charge
Per transaction
Cash withdrawal in other bank's ATMs in Kosovo
2.0% - min. € 2
Per transaction
Cash withdrawal in other bank's ATMs outside Kosovo
2.0% - min. € 2
Per transaction
Money deposit in ATM
Free of charge
Per transaction
Payments in our bank's POS Terminals
Free of charge
Payments in other bank's POS Terminals in Kosovo
Free of charge
Payments in other bank's POS Terminals outside Kosovo
1 %
Per transaction
* For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collector fees apply
** For institutional and utility payments with Starcard in two or three installments, fees mentioned in KOS GYRO and Collector fees apply
*** The maximum daily limit for online purchases with Debit Card is 1,000 EUR.
mobileCash
mobileCash code generation
Free of charge
Per transaction
mobileCash ATM withdrawal
€ 0.10
Per transaction
Commission types
Commission
Online payments at certified merchants with 3D Secure
Private Clients
Validity
For Online purchases up to 4.99€ with credit card/one-time password (3D secure)
Free of charge
One-time password for Online purchases from 5.00€ and more with credit card
€ 0.10
Per transaction authorization
One-time password for Online purchases with debit card
€ 0.10
Per transaction authorization
Effective Interest Rates (IER): IER is calculated according to provisions of the CBK Regulation on Effective Interest Rate and Disclosure Requirements and under assumptions set out in this regulation:
a) If the client uses the total limit amount of 1,000 Eur immediately for payment in 12 installments and fully repays the debt based on the latest balance of each month, and the bank applying the card maintenance fee, then the EIR is 3.65%.
b) If the client uses the total limit amount of 1,000 Eur immediately for payment in 12 installments and pays the minimum based on the latest balance of each month, and the bank applying the card maintenance fee, then the EIR is 10.21%.
c) If the client uses the total limit amount of 1,000 Eur immediately and thoroughly only for purchase and payment (without installments), the limit is offered for one year, the amount for each repayment is 15% (minimum payment), and with the bank applying the maintenance card fee, then the EIR is 25.64%.
d) If the client uses the total limit amount of 1,000 Eur immediately for advance cash withdrawal, the limit is offered for one year, the amount for each repayment is 15% (minimum payment), and when the bank applies the card maintenance fee and the fee is based on the value calculated on the withdrawn amount according to the bank’s pricelist, then the EIR is 35.12%.
* The maximum daily limit for online purchases with Debit Card is 500 EUR.
Kos Gyro and Collector payment fees
Commission
Commission types
Private Clients
Validity
Kos Gyro and Collector payment fees
Insurance Company Kos Gyro payments via E-banking
€ 0.50
Per transaction
KESCO Kos Gyro payments via E-banking
Free of charge
TELEKOM Kos Gyro payments via E-banking
Free of charge
Prishtina RWC Kos Gyro payments via E-banking
Free of charge
Customs Kos Gyro payments via E-banking/
€ 0.50
Per transaction
Other Kos Gyro payments
€ 0.50
Per transaction
Collector payments - Terminali Shpk
Not applicable
Collector payments - Tax declaration (Balance €0)
Not applicable
PTK in TEB
Free of charge
Tax payments via E-banking and TEB Mobile
€ 0.50
Per transaction
Kos Gyro and Collector payment fees
Commission types
Individual clients
Validity
Kos Gyro and Collector payment fees
Insurance Company Kos Gyro payments via TEB Mobile
€ 0.50
Per transaction
KESCO payments via TEB Mobile
Free of charge
TELEKOM Kos Gyro payments via TEB Mobile
Free of charge
Customs Kos Gyro payments via TEB Mobile
€ 0.50
Per transaction
Tax payments via TEB Mobile
€ 0.50
Per transaction
Other Kos Gyro payments
€ 0.50
Per transaction
Kos Gyro and Collector payment fees
Commission
Commission types
Private Clients
Validity
Kos Gyro and Collector payment fees
KESCO payments (via account)
1.50 €
Per transaction
KESCO payments (wih cash)
5.00 €
Per transaction
KESCO payments (wih Credit Card)
1.50 €
Per transaction
Collector payments (via account)
1.50 €
Per transaction
Collector payments (with cash)
5.00 €
Per transaction
Collector payments (with Credit Card)
1.50 €
Per transaction
Kos Gyro payments (via account)
1.50 €
Per transaction
Kos Gyro payments (with cash)
5.00 €
Per transaction
Kos Gyro payments (with Credit Card)
1.50 €
Per transaction
Kos Gyro water supply payments (via account)
1.50 €
Per transaction
Kos Gyro water supply payments (with cash)
5.00 €
Per transaction
Kos Water payments (with Credit Card)
1.50 €
Per transaction
Collector payments (University fee, via account)
1.50 €
Per transaction
Collector payments (University fee, with cash)
3.00 €
Per transaction
Collector payments (with Credit Card)
1.50 €
Per transaction
Insurance Company Kos Gyro payments (via account)
1.50 €
Per transaction
Insurance Company Kos Gyro payments (with cash)
5.00 €
Per transaction
Insurance Company Kos Gyro payments (with Credit Card)
1.50 €
Per transaction
Deposits and Savings
Commission
Period
Interest rate
Effective Interest Rate
1 Month
0.00% Annual
0.00% Annual
3 Months
0.00% Annual
0.00% Annual
6 Months
0.00% Annual
0.00% Annual
9 Months
0.00% Annual
0.00% Annual
12 Months
0.00% Annual
0.00% Annual
13 Months
0.00% Annual
0.00% Annual
15 Months
0.00% Annual
0.00% Annual
18 Months
0.00% Annual
0.00% Annual
24 Months
0.10% Annual
0.09% Annual
36 Months
0.25% Annual
0.22% Annual
48 Months
0.50% Annual
0.45% Annual
60 Months
1.00% Annual
0.90% Annual
Term Deposit Accounts other currencies
Period
Interest rate
Effective Interest Rate
GBP
1 - 12 Months
0.00% Annual
0.00% Annual
USD
1 - 12 Months
0.00% Annual
0.00% Annual
CHF
1 - 12 Months
0.00% Annual
0.00% Annual
For term deposits over 60 months, please visit one of the branches of TEB Bank.
Interest rates are set annually. Existing accounts (agreements) will not be affected.
Savings Account
Valuta
Interest rate
Effective Interest Rate
EUR
0.04% Annual
0.04% Annual
USD
0.00% Annual
0.00% Annual
CHF
0.00% Annual
0.00% Annual
GBP
0.00% Annual
0.00% Annual
For any prematurely interruption of the deposit account agreement, punitive tariffs will apply.
Income tax of 10% is deducted from gross accrued interest.
Please, visit our portfolio officers for a detailed calculation of any deposit request. The calculation method is provided by bank staff, on customer request. The bank calculates effective interest rate on loans and deposits based on the CBK regulation on ”effective interest rates and requirements for disclosure” and it is disclosed in the contract between bank and customer.
Correspondent bank fees
Payments
Correspondent bank fees
Validity
EUR Payments within Austria (fixed fee for all the payments)
5.00 EUR
Per transaction
EUR Payments up to 12,500€ (except Turkey and Germany)
8.00 EUR
Per transaction
EUR Payments from 12,500.01€ to 25,000€ (except Turkey and Germany)
12.00 EUR
Per transaction
EUR Payments from 25,000.01€ to 50,000€ (except Turkey)
12.00 EUR
Per transaction
EUR Payments from 50,000.01€ (except Turkey)
20.00 EUR
Per transaction
EUR Payments for Turkey
20.00 EUR
Per transaction
EUR Payments for TEB Turkey up to 2,500 €
4.00 EUR
Per transaction
EUR Payments for TEB Turkey from 2,501 € to 12,500 €
4.00 EUR
Per transaction
EUR Payments for TEB Turkey from 12,501 € to 50,000 €
6.00 EUR
Per transaction
EUR Payments for TEB Turkey from 50,001 €
6.00 EUR
Per transaction
EUR Payments in Germany from 0€ to 2,500€
3.50 EUR
Per transaction
EUR Payments in Germany from 2,500.01€ to 10,000€
7.00 EUR
Per transaction
EUR Payments in Germany from 10,000.01€ to 25,000€
10.00 EUR
Per transaction
USD Payments (fixed fee for all the payments)
22.00 USD
Per transaction
CHF Payments (fixed fee for all the payments)/
18.00 CHF
Per transaction
GDP Payments (fixed fee for all the payments)
25.00 GBP
Per transaction
Individual loans
Loan type
Nominal interest rate
Norma Efektive e Interesit
Loan maturity
Administrative expenses
Consumer loans
10.80%
11.84%
Up to 60 months
1.00%
Mortgage Loan
6.60%
7.25%
Up to 60 months
1.00%
Loan for home renovation and construction
6.60%
7.25%
Up to 60 months
1.00%
New Car Loans
9.96%
10.83%
Up to 60 months
1.00%
Used Car Loans
10.80%
11.84%
Up to 60 months
1.00%
Education Loan
10.80%
11.84%
Up to 60 months
1.00%
Cash Cover Loan
3.00%
3.46%
Up to 60 months
1.00%
Kreditë me normë të ndryshueshme të interesit
Loan type
Nominal interest rate
Norma Efektive e Interesit
Loan maturity
Administrative expenses
Consumer loans
6.36% + 6M Euribor
6.99%
Over 12 months up to 120 months
1.00%
Mortgage Loan
5.04% + 6M Euribo
5.59%
Over 12 months up to 180 months
1.00%
Loan for home renovation and construction
6.36% + 6M Euribor
6.99%
Over 12 months up to 120 months
1.00%
New Car Loans
5.04% + 6M Euribor
5.59%
Over 12 months up to 84 months
1.00%
Used Car Loans
5.40% + 6M Euribor
5.97%
Over 12 months up to 84 months
1.00%
Education Loan
6.36% + 6M Euribor
6.99%
Over 12 months up to 84 months
1.00%
Cash Cover Loan
1.20% + 6M Euribor
1.61%
Over 12 months up to 84 months
1.00%
Overdraft
18%
19.69%
Up to 120 months
1.00%
Çmimi i Sigurimit të Jetës për Kreditë individuale
Tipi i Kredisë
Pako
Benefitet e pagueshme
Primi vjetor
Consumer
Silver
Remaing Amount
0.23%
Consumer
Gold
Remaing Amount
0.80%
Consumer
Gold+
Initial Amount
1.05%
Kreditë Hipotekare
Gold
Remaing Amount
0.80%
Pronarët e Biznesit
Gold
Remaing Amount
0.80%
Insurance Price of Individual Loan (personal accident)
Insurance Price of Individual Loan (personal accident)
Low risk profession
Medium risk profession
High risk profession
Mortgage Loans
Sum insured
Risk covered
Rate of (%) the premium
Apartments & Houses
Real value of Property
Fire, Lightning, Explosion, Impact or crashing of an aircraft or its part, Earthquake, Theft, Flood
0.13% (TVSH 18 % included)
For non-life insurance products, prices are determined by the insurance company and TEB Bank Sh.A. will not apply additional fee.
Fees for early prepayment of consumer loans, car purchases, education and cash covered loans
*For the remaining maturity >12 months 1% of the remaining principal of the loan; * For the remaining maturity <12 months 0.5% of the remaining loan amount
**If the loan is closed in the first year, five percent (5%) of the principal amount.
**If the loan is closed in the second year, four percent (4%) of the principal amount.
**If the loan is closed in the third year, three percent (3%) of the principal amount.
**If the loan is closed in the fourth year, two percent (2%) of the principal amount.
**If the loan is closed in the fifth year, one percent (1%) of the principal amount.
**No penalty fee should be charged after the fifth year.
EURIBOR is the abbreviation of Euro Interbank Offered Rate and refers to the interest rate based on the supply and demand of money in the European market as well as based on daily quotes sent by the largest European banks. When customers take loans with a variable interest rate linked to Euribor, they must take into account possible changes in Euribor, which the bank applies every six months for the duration of the loan.
Effective interest rate for all types of loans is calculated according to the longest maturity of each type of loan noted in the price list.
Please, visit our portfolio officers for a detailed calculation of any loan request. The calculation method is provided by bank staff, on customer request. The bank calculates effective interest rate on Loans and Deposits based on the CBK regulation on ”effective interest rates and requirements for disclosure” and it is disclosed in the contract between bank and customer.
The Borrower shall bear the costs of assessing the mortgage, including the fee for the notarization of the mortgage contract and the registration fee for the mortgage in the cadastral register. Interest will be applied for each delay in payment.
* By entering into force of the Law on Consumer Protection No.06/L-034, on 29.06.2018, the loan application fee of 1% >12 monthly and 0.5% <12 monthly applies.
** In accordance with the Regulation on Housing Mortgage Loans, from 01.04.2016, the aforementioned subscription fee applies only for loan agreements that were signed until 01.04.2016, while for contracts signed before this date, the fee for subscription of 50% of the remaining loan applies.
*** The interest rate shall be calculated on the basis of the requirement of the CBK Regulation on the interest rate which is the annual rate consisting of a reference rate increased by 8 percentage points fixed rate. The reference rate shall be changed and published by the CBK every six months on the internet web page https://www.bqk-kos.org/. On 1st February, it will be published the rate based on the average for the period July-December, which will be valid for the following period from 10th February to 9th August; whereas on 1st August of the calendar year, the rate based on the average for the period January-June is published, which is valid for the next period from 10th August 10 to 9th of February. If the CBK has not published the new reference rate, the CBK reference rate recently published will be used.