Business Current Account Maintenance Fee*
€ 2.99
Monthly
- E-Banking
- Individual
- Biznes
Pricelist
Business General Tariffs
Commission types
Commission
Accounts
Business Clients
Validity
Current Account Maintenance Fee of other currencies
1.00
Monthly
Current/Savings Account Opening in all currencies
Free of charge
Savings Account Maintenance Fee in all currencies
Free of charge
Current Account Closure in all currencies(upon client’s request)
2.50
Savings Account Closure in all currencies
2.50
Time Deposit Account Opening/Closure in all currencies
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
Contract on the conditional transaction account
€ 30.00
Will be equally transferred by Buyer and Seller
Account statements in MT940 format/service maintenance
€ 50.00
Monthly
Account statements in MT940 format /SWIFT costs
€ 0.17
Monthly (for every account statement submitted during the month)
Commission types
Commission
Accounts
Business Clients
Validity
Time Out Loan
€ 10.00
Per account
Cash deposit in Cash box (in EUR currency)
€ 1.00
Valid for amounts/Vazi za iznose >=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
Joint Account Opening (2 or more co-owners)
Not applicable
Per account
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
Incoming payments Kos Gyro
€ 1.50
Per transaction
Fee on unused overdraft amount
0.25% / € 1,000 Max
End of each quarter
Massive execution of salaries
€ 2.00
Per Beneficiary Bank
Massive execution of payments within the branch********
Free of charge
Per transaction
Massive execution of payments using e-Banking
€ 0.75
Per transaction
Massive execution of payments in branch
€ 1.75
Per transaction
International outgoing transfers EUR*****
0.30 % min. € 15 / max. € 1,000
Per transaction
International outgoing transfers USD*****
0.30 % min. $ 15 / max. $ 1,000
Per transaction
International outgoing transfers GBP*****
0.30 % min. £ 15 / max. £ 1,000
Per transaction
International outgoing transfers CHF*****
0.30 % min. CHF 15 / max. CHF 1,000
Per transaction
International outgoing transfers via e-Banking EUR*****
0.15% min. € 15 / max. € 1,000
Per transaction
International outgoing transfers via e-Banking USD*****
0.15% min. $ 15 / max. $ 1,000
Per transaction
International outgoing transfers via e-Banking CHF*****
0.15% min. CHF 15 / max. CHF 1,000
Per transaction
International outgoing transfers via e-Banking GBP*****
0.15% min. £ 15 / max. £ 1,000
Per transaction
International incoming transfers EUR
0.25 % min. € 15 / max. € 1,000
Per transaction
International incoming transfers USD
0.25 % min. $ 15 / max. $ 1,000
Per transaction
International incoming transfers CHF
0.25 % min. CHF 15 / max. CHF 1,000
Per transaction
International incoming transfers GBP
0.25 % min. £ 15 / max. £ 1,000
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
Per transaction
Reset of PIN for E-Banking through Call Center
Not applicable
Automatic order - contract completion in the Branch
Free of charge
Per definition
Automatic order – contract completion for E-banking
Not applicable
Reference Letter
€ 2.50
Per reference
Cheques conversion
1.50% min 30€
Per transaction
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 transaction
Fee for Ipko Digital TV & Internet
Not applicable
Per transaction
Fee for Ipko Digital TV & Internet using E-Banking
Not applicable
Fee for Ipko Digital TV & Internet using E-Banking TEB Mobile
Not applicable
Cash Withdrawal in cash counters*****
€ 2 deri 2,000 EUR ; € 1 mbi 2,000 deri në 10,000 EUR ; Mbi 10,000 - 0.01% të shumës
Per transaction
Cash Withdrawal in cash counters from the child’s account in all currencies
Not applicable
Deposit fee for coins
Free of charge
Visa Confirmation
Free of charge
Expense confirmation form
€ 5.00
Per form
Account Statement sent by mail
Free of charge
Change of Pledge registration
€ 30.00
Për transaksion
Request for a payment copy
Free of charge
Mobile Banking maintenance******
Not applicable
Card PIN Code resetting in branch
Free of charge
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
* 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.
***Valid only for TEB Bank accounts.
**** 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
Business Clients
Validity
Credit cards
Business Starcard
Agro Card
Administrative expenses for the main card limit
20.00 €
Free of charge
Fee applied only once
Card annual maintenance fee
Free of charge
20.00 €
Annual
Card annual maintenance fee
15.00 €
15.00 €
Annual
Card issuance
Free of charge
Free of charge
Per card
Change of card (additional card) Card re-issuance
2.50 €
2.50 €
Per card
Credit card statement delivery via e-mail
Free of charge
Free of charge
Per delivery
Credit card statement delivery via mail
2.50 €
2.50 €
Per delivery
Monthly fee for cards status
Free of charge
Free of charge
Fee on limit excess
5.00 €
Not applicable
Per transaction
Warning fee (SMS/Letter) for delay on payment of credit products
2.50 €
2.50 €
Prior to any change on KCR (Kosovo Credit Registry) categories
Annual interest rate for maximum payment
0%
0%
Annual
Annual interest rate for minimum payment
24%
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 €
25.00 €
Per complaint
Interest rate for cash withdrawal
24%
24%
Annual
Credit Card limit increase
3.00 €
3.00 €
Per transaction
KOS Gyro and Collector payments in cash counters by card in a single transaction*
Free of charge
Free of charge
Per transaction
KOS Gyro and Collector payments in cash counters by card in three installments (Applicable to all payment channels)**
2% - min 2€
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
Not applicable
Per transaction
Online and international POS payment with 3 installments
For purchases over €300 a commission of 3%, min. €3 applies
Not applicable
Per transaction
Cash withdrawals with Credit Card
Cash withdrawals in ATMs inside and outside bank premises
2.5% - min 3€
2.5% - min 3€
Per transaction
Cash withdrawals on other banks ATMs in Kosovo
2.5% - min 3€
Not applicable
Per transaction
Cash withdrawals on other banks ATMs outside Kosovo
2.5% - min 3€
Not applicable
Per transaction
STARCASH (cash withdrawal in installments)
Interest rate for cash withdrawal in installments
2.5% - min 3€
2.5% - min 3€
Per transaction
Fee for cash withdrawal in installments
5 €
Per transaction
Dynamic currency conversion/
8%
Not applicable
Per withdrawal
Interest rate for cash withdrawal in installments
24%
24%
Annual
Transactions via ATM
Debit Kartelat
Internal bank transfers
Free of charge
Per transaction
Annual
Transfers to other domestic banks
1.50 €
Per transaction
Annual
Credit cards
Payment of card debt with cash deposit at Cash Box
1.00 €
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
Free of charge
Per transaction
Payment of card debt with cash deposit at ATM
Free of charge
Free of charge
Per transaction
Payment of card debt for other persons at ATM
Free of charge
Free of charge
Per transaction
Payment of card debt through E-Banking
Free of charge
Free of charge
Per transaction
Payment of card debt through E-Banking
Free of charge
Not applicable
Payments in POS Terminals
Payments in our bank POS Terminals
Free of charge
Free of charge
Payments in other banks POS Terminals in Kosovo
Free of charge
Not applicable
Payments in other banks POS Terminals outside Kosovo
Free of charge
Not applicable
Fee for currency conversion for transactions that are not performed in EUR (ATM/POS/Online) with Debit Card and Starcard
2%
2%
Manual POS transaction reversal in branch
10.00 €
10.00 €
Per transaction
Payments via Internet
Online purchases with Starcard
Free of charge
Free of charge
Online purchases with Debit Card***
1%
Allowed limits
Max. daily limit for cash withdrawals in ATM with Debit Card
2,000 €
Not applicable
Daily (applicable for a debit business card is 300€, 500€, 1,000€, 1,500€ and 2,000€)
Maximum daily limit of cash deposit on ATM with Debit card
9,995 €
Not applicable
Daily accumulated limit
Daily max. cash withdrawal limit at ATMs with Credit Card
500 €
500 €
Daily accumulated limit
Maximum daily limit for credit card payment in ATM
5,000 €
5,000 €
Daily accumulated limit
Allowed limit for cash withdrawal with Credit Card
25%
50%
Of limit
Allowed limit for withdrawing cash in ATM
1,000€
Daily limit
Debit kartelat
Issuance
2.50 €
Not applicable
Per card
Cash withdrawal in ATMs in bank premises and outside bank premises
Free of charge
Free of charge
Per transaction
Cash withdrawal in other bank's ATMs in Kosovo
2.0% - min 2€
Not applicable
Per transaction
Cash withdrawal in other bank's ATMs outside Kosovo
2.0% - min 2€
Not applicable
Per transaction
Money deposit in ATM
Free of charge
Free of charge
Per transaction
Payments in our bank's POS Terminals
Free of charge
Free of charge
Payments in other bank's POS Terminals in Kosovo
Free of charge
Not applicable
Per transaction
Payments in other bank's POS Terminals outside Kosovo
Free of charge
Not applicable
Per transaction
POS Terminalet
Business Clients
AGRO
Criteria for the commission
Commission for non active POS Terminals
2.50 €
2.50 €
Last 3 months < €150 turnover per POS Terminal
POS account maintenance fee
2.99 €
2.99 €
Per account
Commission for POS with telephone, ethernet line
Free of charge
Free of charge
Për POS
GPRS-POS commission
5.30 €
5.30 €
Per GPRS-POS
*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 limit for online purchases with Debit Card is 1,000 EUR.
Commission
Commission types
Business Clients
Validity
Online payments at certified merchants with 3D Secure
For Online purchases up to 4.99€ with credit card/one-time password (3D secure)
Free of charge
Per transaction authorization
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%.
Kos Gyro and Collector payment fees
Commission
Commission types
Business Clients
Validity
Insurance Company Kos Gyro payments via E-banking
0.50 €
Per transaction
KESCO KOS Gyro payments via E-banking
Free of charge
Per transaction
TELEKOM Kos Gyro payments via E-banking
Free of charge
Per transaction
Prishtina RWC Kos Gyro payments via E-banking
Free of charge
Per transaction
Customs Kos Gyro payments via E-banking
0.50 €
Per transaction
Other Kos Gyro payments
0.50 €
Per transaction
Collector payments - Terminali Shpk
0.50 €
Per transaction
Collector payments - Tax declaration (Balance €0)
0.50 €
Per transaction
PTK in TEB
Free of charge
Per transaction
Tax payments via E-banking and TEB Mobile
0.50 €
Per transaction
Kos Gyro and Collector payment fees
Commission types
Komisioni
Kos Gyro and Collector payment fees
Klientë Afaristë
Validity
Insurance Company Kos Gyro payments via TEB Mobile
€ 0.50
Per transaction
KESCO payments via TEB Mobile
Free of charge
Per transaction
TELEKOM Kos Gyro payments via TEB Mobile
Free of charge
Per transaction
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
Business Clients
Validity
Kos Gyro and Collector payment fees
Other Kos Gyro payments
1.50 €
Per transaction
KESCO payments (with cash)
5.00 €
Per transaction
KESCO payments (with 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
Çmimorja për biznesin dokumentar
Letër Kreditë (LK)
Tarifa EUR
Tarifa USD
Commission for Cash Covered LC
1.2% annual / 25 Min
1.2% annual / 25 Min
Commission for Financed Letter of Credit
4.5% annual / 100 Min
4.5% annual / 100 Min
Checking documents for LC
75
100
Discount of LC
8.2% p.a
Not applicable
Commitment fee (admin.expens.)
0.3% per transaction
0.3% per transaction
Notice Expenses for Letter of Credit
75
100
Payment under LC
10
Not applicable
Delivery fee
10
Not applicable
Letër Garancionet (LG)
Commission for Cash Covered LG
1.2% annual / 25 Min
1.2% annual / 25 Min
Commission for Financed LG
5.0% annual / 100 Min
5.0% annual / 100 Min
Implementation fee
0.3% in the required amount / 50 Min
Not applicable
Commitment fee (admin.expens.)
0.3% per transaction
0.3% per transaction
Notice Costs for Letter Guarantees
10
10
Payment under LG
10
Not applicable
Change fee for International Guarantees
10
Not applicable
Change fee for Internaonal Guarantees
15
Not applicable
Change fee for National Guarantees
30
Not applicable
Delivery fee
10
Not applicable
Inkaso Dokumentare
Inkaso Dokumentare
0.3% / 50 Min
Not applicable
Communication expenses
20
Not applicable
Delivery fee
10
Not applicable
Payment for "Promissory note"
30
Not applicable
Approval fee for inkaso dokumentare
20
Not applicable
Payment on a specified date for collection with deferred payment
25
Not applicable
Confirmation commission for LG/LC (for TEB, BNP)
1.5% Annual / 150 Min
Not applicable
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
Deposits and Savings
Term Deposit Accounts EUR
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 Monthly
0.00% Annual
0.00% Annual
USD
1 - 12 Monthly
0.00% Annual
0.00% Annual
CHF
1 - 12 Monthly
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.
Tarifa për depozita masive
Commission
Validity
Massive cash deposit fee / Applicable to legal entities Clients whose monthly average of deposit transaction is over 300.
1.5
Per transaction
*The fee shall be affective on 14.01.2017
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.
Kredi biznesi
Maturiteti deri 36 muaj
Maturiteti 36 - 84muaj
Loan amount
Norma vjetore
Effective Interest Rate
Norma vjetore
Norma Efektive e Interesit
Administrative expenses
Fee for early loan payment
Up to 10,000€
14.04%
15.79%
14.40%
15.78%
1.00%
5% of the remaining capital
10,001€ - 20,000€
12.96%
14.15%
13.44%
14.49%
0.50%
5% of the remaining capital
20,001€ - 30,000€
12.36%
13.48%
12.84%
13.81%
0.50%
5% of the remaining capital
30,001€ - 50,000€
11.04%
12.00%
11.52%
12.33%
0.50%
5% of the remaining capital
50,001€ - 75,000€
10.44%
11.33%
10.92%
11.66%
0.50%
5% of the remaining capital
75,001€ - 150,000€
9.96%
10.80%
10.44%
11.13%
0.50%
5% of the remaining capital
150,001€ - 175,000€
9.72%
10.54%
10.08%
10.74%
0.50%
5% of the remaining capital
175,001€ - 200,000€
9.36%
10.15%
9.72%
10.34%
0.50%
5% of the remaining capital
200,001€ - 300,000€
9.00%
9.75%
9.36%
9.95%
0.50%
5% of the remaining capital
300,001€ - 400,000€
8.76%
9.49%
9.36%
9.95%
0.50%
5% of the remaining capital
400,001€ - 500,000€
8.64%
9.36%
8.76%
9.29%
0.50%
5% of the remaining capital
> 500,000€
8.40%
9.10%
8.52%
9.03%
0.50%
5% of the remaining capital
Kreditë Me Normë Të Ndryshueshme Të Interesit
Loan Amount
First 12 months, fixed interest rate
Effective Interest rate
Remaining maturity with variable rate (Euribor 6M+Spread) Spread
Effective Interest rate
Disbursement Fee
Prepayment Fee
Up to 10,000€
14.16%
15.51%
10.80%
11.71%
1.00%
5% of the remaining capital
10,001€ - 20,000€
13.20%
14.22%
9.96%
10.60%
0.50%
5% of the remaining capital
20,001€ - 30,000€
12.60%
13.54%
9.48%
9.95%
0.50%
5% of the remaining capital
30,001€ - 50,000€
11.28%
12.06%
9.00%
9.55%
0.50%
5% of the remaining capital
50,001€ - 75,000€
10.68%
11.40%
8.52%
9.03%
0.50%
5% of the remaining capital
75,001€ - 100,000€
10.20%
10.87%
8.28%
8.77%
0.50%
5% of the remaining capital
100,001€ - 125,000€
10.08%
10.74%
7.92%
8.38%
0.50%
5% of the remaining capital
125,001€ - 150,000€
9.96%
10.60%
7.68%
8.12%
0.50%
5% of the remaining capital
150,001€ - 175,000€
9.84%
10.47%
7.44%
7.87%
0.50%
5% of the remaining capital
175,001€ - 200,000€
9.48%
10.08%
7.20%
7.61%
0.50%
5% of the remaining capital
200,001€ - 250,000€
9.12%
9.68%
6.84%
7.22%
0.50%
5% of the remaining capital
250,001€ - 300,000€
9.12%
9.68%
6.60%
6.97%
0.50%
5% of the remaining capital
300,001€ - 400,000€
8.76%
9.29%
6.60%
6.97%
0.50%
5% of the remaining capital
400,001€ - 500,000€
8.52%
9.16%
6.60%
6.97%
0.50%
5% of the remaining capital
> 500,000€
8.28%
8.77%
6.12%
6.46%
0.50%
5% of the remaining capital
Other loans
Agro loans 500 - 5,000€
up to 84 months
21.60%
1.80%
27.52%
1.50%
5% of the remaining capital
Agro loans 5,001 - 10,000€
up to 84 months
18.00%
1.50%
23.06%
1.50%
5% of the remaining capital
Agro loans 10,001 - 30,000€
up to 84 months
12.84%
1.07%
16.92%
1.50%
5% of the remaining capital
Agro loans > 30,000€
up to 84 months
9.84%
0.82%
12.40%
1.00%
5% of the remaining capital
Entrepreneurial Loans for Women (start-up)
up to 84 months
9.48%
0.79%
9.90%
0.00%
5% of the remaining capital
Entrepreneurial Loans for Women
up to 84 months
9.48%
0.79%
12.00%
1.00%
5% of the remaining capital
Car loans
up to 84 months
9.48%
0.79%
13.08%
1.50%
5% of the remaining capital
Business Overdraft 0 - 9,999€
max. 24 months
16.08%
1.34%
18.60%
1.00%
5% of credit limit
Spot loans 0 - 9,999€
max. 12 months
16.08%
1.34%
18.60%
1.00%
Not applicable
Revolving loans 0 - 9,999€
max. 12 months
16.08%
1.34%
18.60%
1.00%
Not applicable
Business Overdraft 10,000€ - 50,000€
max. 24 months
13.56%
1.13%
15.05%
0.50%
5% of credit limit
Spot loans 10,000€ - 50,000€
max. 12 months
13.56%
1.13%
15.05%
0.50%
Not applicable
Revolving loans 10,000€ - 50,000€
max. 12 months
13.56%
1.13%
15.05%
0.50%
Not applicable
Business Overdraft > 50,000€
max. 24 months
10.92%
0.91%
12.07%
0.50%
5% of credit limit
Spot loans > 50,000€
max. 12 months
10.92%
0.91%
12.07%
0.50%
Not applicable
Direct debit system loan up to 10,000€
max. 12 months
16.08%
1.34%
18.38%
1.00%
Not applicable
Direct debit system loan over 10,000€
max. 12 months
13.56%
1.13%
14.90%
0.50%
Not applicable
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.
The variable interest rate will be offered for all loans with maturity over 36 months
When the variable interest rate is applied, the first 12 months are with fixed interest rates
Minimum price must be Spread, but not below 5.52%
Maximum price should be Spread + Euribor 6M rate limited to 10%
** 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.
** Interest will be applied for each delay in payment.
*** 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.