13.07.2015 Price List

mimore/Price List/Cenovnik
KOMISIONI/COMMISSION/PROVIZIJA
KLIENT AFARISTE/BUSINESS CLIENTS/POSLOVNI KLIJENTI
KLIENT PRIVAT/PRIVATE CLIENTS/KLIJENTI FIZIKA LICA
LLOJET E KOMISIONEVE/COMMISSION TYPES/VRSTA PROVIZIJE

Llogarit/Accounts/ Rauni
Mirmbajtja e llogaris rrjedhse/Current Account Maintenance Fee/Odravanje tekueg rauna
Mirmbajtja e llogaris s kursimit/Savings Account Maintenance Fee/ Odravanje tednog rauna
Hapja e llogaris rrjedhse/Current Account Opening/Otvaranje tekueg rauna
Mbyllja e llogaris rrjedhse/Current Account Closure/Zatvaranje tekueg rauna
1.00
Pa pages/Free of charge/ Besplatno
2.50
0.75
0.75
2.50
Hapja/mbyllja e llogaris s kursimit/Savings Account Opening / Closure/Otvaranje ili zatvaranje tednog rauna
Hapja/mbyllja e llogaris s afatizimit/Time Deposit Account Opening / Closure/ Otvaranje ili zatvaranje oroenog rauna
Hapja/mbyllja e llogaris flexi/Flexi Account Opening / Closure/Otvaranje ili zatvaranje Flexi rauna/Provizija za podizanje sa
Flexi rauna
6.00
1.00
6.00
1.00
Tarifa pr trheqjen nga llogaria flexi/Withdrawal fee from Flexi account/Provizija za podizanje sa Flexi rauna
Tarifa pr pagesa tjera masive/Fee for other massive payments/Provizija za druge velike isplate
VALIDITETI/VALIDITY/VAENJE
Mujore/Monthly/Meseno
Pr llogari rrjedhse/For current account/ Po tekuem raunu
Tarifa aplikohet nse bhen mbi 5 trheqje gjat muajit/Fee applies if more than 5 withdrawals in a
month/Provizija se primenjuje za preko 5 podizanja u mesecu

Llogarit/Accounts/ Rauni
Kredi me pauz/Time Out Loan/Kredit sa pauzom
Deponimi nga palt e treta (jo klient t TEB Banks)/Deposit by third parties (non TEB Bank clients)/Uplata od strane treeg
lica (koje nije klijent TEB Banke)
Pagesa e kolektorve (jo klient t TEB Banks)/Collector payment (non TEB Bank clients)/Isplata naplatilaca (koji nisu klijenti
TEB Banke)/Otvaranje zajednikog rauna ( 2 ili vie suvlasnika)
Hapja e llogaris s prbashkt (2 apo m shum bashkpronar)/Joint Account Opening (2 or more co-owners)/Otvaranje
zajednikog rauna ( 2 ili vie suvlasnika)
Konfirmimi pr mbyllje t kredis/Account Closure Confirmation/Potvrda o izmirenju kredita
Autorizimi I personit pr llogari/Person's Authorization per account/Ovlaenje lica na raun
Konfirmimi pr auditor t jashtm/External Auditor Confirmation/Potvrda za spoljne revizore
Shtypja e gjendjes s llogaris (ark dhe porfolio)/Account statement printing (cash and portfolio)/tampanje izvoda stanja na
raunu (blagajna i portfolio)
Transferet e parave/Money transfers/Novani transferi
Transfere ndrbankare dalse/Interbank outgoing transfers/Odlazni meubankarski transferi/Prioritetni odlazni meubankarski
transferi
Transferet nderkombtare hyrse **/International incoming transfers **/Dolazni meunarodni transferi **

Tarifa pr reklamacion t transferit/Transfer reclamation fee/Tarifa za reklamaciju transfera
Transferet brenda banks/Within bank transfers/Transferi unutar banke
T tjera/Others/ Drugo
Tarifa pr E-banking/E-banking fee/Tarifa za elektronsko bankarstvo
Resetimi I PIN-it/PIN code resetting/Resetovanje PIN-a
Letr referenc/Reference Letter/Referentno pismo
Konvertimi I eqeve/Cheques conversion/Konverzija ekova
Mirmbajtja vjetore pr TEB SMS Mbushje/Annual maintenance for TEB SMS Top-Up/ Godinje odravanje za TEB dopunu
putem SMS poruke
Tarifa pr transakcion t TEB SMS Mbushje/Transaction fee for TEB SMS Top-Up/Tarifa po transakciji za TEB dopunu putem
SMS poruke
Tarifa pr TEB SMS njoftim/krkes/Fee for TEB SMS notification / request/Tarifa za TEB obavetenje ili zahtev putem SMS
poruke
Pr llogari/Per account/Po raunu
10.00
5.00
1.00
1.00
3.00
3.00
5.00
10.00
2.00
5.00
Nuk aplikohet/Not applicable/Ne primenjuje se

10.00
2.00
Nuk aplikohet/Not applicable/Ne primenjuje se
2.50
2.50
1.75
1.75
5.00
5.00
0.75
1.00
0.75
1.00
12.00
NA
1%
NA
1%
2.00
1.50
0.20% min 15/max. 1,000
NA
NA
1.50
0.20% min 15/max. 1,000
0.15% min 15/max. 1,000
NA
0.20% min 15/max. 1,000

Varet nga banka korespodente/Depends from correspondent
bank
2.50
0.20% min 15/max. 1,000

Varet nga banka korespodente/Depends from correspondent bank
1.00
0.50
0.50
30.00
1.50% min 30
0.50
0.50
NA
1.50% min 30
1.00
1.00
0.15
0.15
0.20
0.20
NA
0.20, 0 - 14,999
5.00 15,000
10.00 50,000
5.30
0.50
0.10
0.10
0.10
NA
5%
2.50
5%
2.50
Transfere ndrbankare dalse me prioritet/Priority interbank outgoing transfers/Prioritetni odlazni meubankarski transferi
Transfere ndrbankare dalse prmes E-Banking/Interbank outgoing transfers via e-Banking/Odlazni meubankarski transferi u
elektronskom bankarstvu
Transfere hyrse/Incoming transfers/Dolazni transferi
Komisioni pr mirmbajtje t llogaris s mbitrrheqjes/Overdraft Account Maintenance Commission/Provizija za odravanje
rauna za dozvoljeno prekoraenje
Tarifa n pjesn e pashfrytzuar t mbitrrheqjes/Fee on unused overdraft amount/Provizija za neiskorien deo dozvoljenog
prekoraenja
Komisioni pr parapagim t hershm t mbitrrheqjes/Overdraft early prepayment commission/Provizija za prevremenu
isplatu dozvoljenog prekoraenja
Ekzekutimi masiv I pagave/Massive execution of payments/Realizacija isplate zarada
Pranimi I pagesave/Payment receipt/Prijem uplata
Transferet nrkombtare dalse */International outgoing transfers */Odlazni meunarodni transferi *
Transferet ndrkombtare dalse prmes E-banking/International outgoing transfers via e-Banking/Odlazni meunarodni
transferi u elektronskom bankarstvu
Pr transakcion/Per transaction/ Po transakciji

Pr autorizim/Per authorization/Po ovlaenju
Pr gjendje/Per statement/Po izvodu stanja

Vjetore/Annual/Godinje
N fund t do kuartali/End of each quarter/Na kraju svakog tromeseja
pr list/per list/Po spisku
Tarifa pr Ipko Digjital TV & Internet/Fee for Ipko Digital TV & Internet/Tarifa za Ipko Digjital TV & Internet
Trheqje e parave t gatshme n ark/Cash Withdrawal in cash counters/Podizanje gotovine na blagajni
Tarifa pr GPRS POS/GPRS POS Fee/Tarifa za GPRS POS
Tarifa pr deponim t monedhave/Deposit fee for coins/Tarifa za deponovanje kovanog novca
Konfirmimi pr viza/Visa Confirmation/Potvrda za izdavanje vize
Pr referenc/Per reference/Po referenci
N shumn totale nse jan m shum se 50 monedha/In total amount if more than 50 coins/Na
ukupan iznos ako ima vie od 50 kovanica
Drgesa e gjendjes s llogaris me post/Account Statement sent by mail/ Slanje izvoda stanja na raunu potom
2.00
2.00
20.00
Ndrimi I regjistrimit t pengut/Change of Pledge registration/ Promena registrovanja zaloge
NA
1.50%
1.50%
Parat e dmtuara/Damaged Money/Oteene novanice
2.50
Krkes pr kopje t pagess/Request for a payment copy/Zahtev za kopiju o izvrenoj uplati
2.50
1.00
SMS Banking mirmbajtja/SMS Banking maintenance/Odravanje bankarstva putem SMS poruka
NA
0.50
NA
Mobile banking mirmbajtja/Mobile Banking maintenance/Odravanje mobilnog bankarstva
NA
1.00
Resetimi I PIN-it t kartels/Card PIN Code resetting/Resetovanje PIN-a kartice
* Tarifat e aplikuara nga Banka Korrespodente pr transferet ndrkombtare dalse/* Fees applied by Correspondent Banks on International outgoing transfers/ * Tarife koje primenjuje korespondentska banka na odlazne meunarodne transfere
* N oft se klienti ka e-banking, pagesa mujore e M-banking sht 0/* If client has e-banking, M-banking monthly payment is 0/ * Ako klijent ima e-bankarstvo, meseno plaanje za M-bankarstvo je 0 evra
KREDI BIZNESI/BUSINESS LOANS/KREDITI ZA POSLOVNE ORGANIZACIJE

LLOJI I KREDIS/LOAN TYPE/VRSTA KREDITA
Norma Vjetore/Annual Rate/ Godinja stopa
Norma mujore/Monthly rate/Mesena stopa Norma Efektive e Interesit/Effective Interest Rate/ Efektivna kamatna stopa
18.24%
1.25%
15.00%
14.24%
1.04%
12.48%
11.43%
0.83%
9.96%
10.90%
9.48%
0.79%
Afati/Duration/Rok
0 - 12 muaj/months/ meseci
5,001 - 10,000
10,001 - 50,000
50,001 - 250,000
> 250,000
Kredi tjera/Other loans/ Drugi krediti
Agro kredi 500 - 5,000/Agro loans 500 - 5,000/Agro kredit 500 - 5.000
Agro kredi 5,001 - 10,000/Agro loans 5.001 - 10,000/Agro kredit 5.001 - 10.000
Agro kredi 10,001 - 20,000/Agro loans 10.001 - 20,000/Agro kredit 10.001 - 20.000
Agro kredi 20,001 - 30,000/Agro loans 20.001 - 30,000/Agro kredit 20.001 - 30.000/Agro kredit 20.001 - 30.000
Agro kredi > 30,000/Agro loans > 30,000
Kredi ndrmarrsie t femrave (fillestare)/Entrepreneurial Loans for Women (start-up)/Kredit za preduzetnice (poetni)
Kredi ndrmarrsie t femrave/Entrepreneurial Loans for Women
max. 12 muaj/months/ meseci
Kredi p vetur/Car Loans/Kredit za kupovinu vozila

Kredi revolvuese/Revolving Loans/Revolving kredit
Spot kredi/Spot Loans/Spot kredit
Mbitrheqje biznesi 0 - 9,999/Business overdraft 0 - 9,999/ Podizanje od strane firme 0 - 9.999 evra
Mbitrheqje biznesi 10,000 - 50,000/Business overdraft 10,000 - 50,000/ Podizanje od strane firme 0 - 9.999 evra
Mbitrheqje biznesi > 50,000/Business overdraft > 50,000/Podizanje od strane firme > 50.000 evra
Kredi e sistemit direkt debitor deri n 10,000/Direct Debit system loan up to 10,000/Kredit u sistemu direktnog zaduivanja
do 10.000 evra
Kredi e sistemit direkt debitor mbi 10,000/Direct Debit system loan over 10,000/Kredit u sistemu direktnog zaduivanja
preko 10.000 evra

21.60%
18.80%
14.40%
13.20%
11.88%
1.80%
1.65%
1.20%
1.10%
0.99%
28.66%
26.29%
18.67%
16.16%
14.65%
9.48%
9.48%
9.96%
10.92%
14.40%
13.20%
16.08%
0.79%
0.79%
0.92%
0.91%
1.20%
1.10%
1.34%
9.87%
11.96%
14.13%
12.62%
16.04%
13.96%
18.86%
13.56%
10.92%
1.13%
0.91%
15.26%
12.24%
16.08%
1.34%
18.60%
13.56%
1.13%
15.08%
KREDI INDIVIDUALE/INDIVIDUAL LOANS/ LINI KREDITI

LLOJI I KREDIS/LOAN TYPE/VRSTA KREDITA
Norma Vjetore/Annual Rate/Godinja stopa
Norma mujore/Monthly rate/Mesena stopa Norma Efektive e Interesit/Effective Interest Rate/Efektivna kamatna stopa
10.80%
0.90%
12.49%
11.90%
0.99%
13.90%
7.80%
0.65%
8.53%
8.30%
0.69%
8.84%
8.90%
0.74%
9.43%
9.96%
0.83%
11.55%
10.80%
0.90%
11.88%
9.96%
1.08%
11.55%
10.90%
0.91%
12.01%
7.90%
0.66%
8.89%
16.00%
1.33%
17.77%
Afati/Duration/Rok
Kredi konsumuese/Consumer loans/Potroaki kredit

Kredi pr shtpi/banes/Housing/Apartment Loans/Kredit za kupovinu kue ili stana
Kredi pr vetur t re/New Car Loans/Kredit za kupovinu novog vozila
Kredi pr vetur t prdorur/Used Car Loans/Kredit za kupovinu polovnog vozila
Kredi pr student/Student Loans/Kredit za studente
Kredi pr profesionist/Loans for professionals/Kredit za profesionalce
Kredi pr klient q nuk marrin pag prmes banks/Non-salary client Loans/Kredit za klijente koji ne primaju platu preko nae
Banke
Kredi e mbuluar me mjete t gatshme/Cash Covered Loans/Kredit sa gotovinskim pokriem
Mbitrrheqje/Overdraft/Dozvoljeno prekoraenje
24.00%
3.00%
18.00%
2.00%
0.25%
1.50%
27.51%
3.19%
19.99%
Mbitrrheqje t mbuluar me mjete t gatshme/Cash Covered Overdraft/Dozvoljeno prekoraenje sa gotovinskim pokriem

10.80%
0.90%
11.61%
* Norma efektive e interesit pr t gjitha llojet e kredive llogaritet n baz t maturitetit m t lart t secilit lloj t kredis s shnuar n mimore/* 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/*Efektivna kamatna stopa za sve vrste kredita obraunava se na osnovu najdueg dos
* Ju lutem, vizitoni zyrtart tan t porfolios pr llogaritje t detajizuar t do lloj krkese t kredis. Metoda e llogaritjes munt t merret nga stafi I banks, me krkes t klientit. Banka llogarit normn efektive t interesit n Kredi dhe Depozita n baz t Regullors s BQK-s pr "normat efektive t interesit dhe krkesat pr shkpalosje" dhe kjo shpaloset n
kontrat mes banks dhe klientit/ * 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/*Obratite se naim slubenicima za portfolio radi detaljnog obrauna za svaku vrstu zahteva za dobijanje kredita. Nain obrauna moe da se dobije od osoblja banke, na zahtev klijenta. Banka obraunava efektivnu kamaptnu stopu na kredite i depozite na osnovu Pravilnika CBK o "efektivnoj kamatnoj stopi i zahtevima za
saoptavanje podataka" to je navedeno u ugovoru zakljuenom izmeu Banke i klijenta.
Pr do vones n pages do t aplikohet kamata vones/For any delay in payment, penalty interest shall apply/Za svaku docnju sa isplatom primenjuje se zatezna kamata
TARIFAT E BANKAVEKORRESPODENTE/CORRESPONDENT BANK FEES/TARIFE KORESPONDENTSKIH BANAKA
AT SHTES PR BANKAT KORRESPODENTE/ADDITIONAL FEES FOR CORRESPONDENT BANKS/DODATNE TARIFE ZA KORESPONDENTSKE B
Pagesat/Payments/Isplate
9.00
Pagesa EUR deri n 50,000/EUR Payments up to 50,000/ Isplate u valuti EUR do 50.000 evra
12.50
Pagesa EUR deri mbi 50,000/EUR Payments over 50,000/Isplate u valuti EUR preko 50.000 evra
Pagesat USD (tarif fikse pr t gjitha pagesat)/USD Payments (fixed fee for all the payments)/Isplate u valuti USD (fiksna tarifa
za sva plaanja)
22.00 USD
Pagesat CHF (tarif fikse pr t gjitha pagesat)/CHF Payments (fixed fee for all the payments)/Isplate u valuti CHF (fiksna tarifa
za sva plaanja)
10.00 CHF
Pagesat GBP (tarif fikse pr t gjitha pagesat)/GBP Payments (fixed fee for all the payments)/ Isplate u valuti GBP (fiksna tarifa
za sva plaanja)
25.00 GBP
Pagesat n TEB Turqi (tarif fikse)/Payments to TEB Turkey (fixed fee)/Isplate u TEB Banci u Turskoj (fiksna tarifa)
Pagesat EUR n Gjermani 0 - 2,500/EUR Payments in Germany 0 - 2,500/Isplate u valuti EUR u Nemakoj 0 - 2.500 evra
Pagesat EUR n Gjermani 2,500 - 10,000/EUR Payments in Germany 2,500 - 10,000/Isplate u valuti EUR u Nemakoj 2.500 10.000 evra
Pagesat EUR n Gjermani 10,000 - 25,000/EUR Payments in Germany 10,000 - 25,000/Isplate u valuti EUR u Nemakoj
10.000 - 25.000 evra
Pagesat EUR n Shqipri nn SHA ose BEN - tarif fikse n do shum/EUR Payments in Albania under SHA or BEN - fixed fee in
any amount/Isplate u valuti EUR u Albaniji pod SHA ili BEN - fiksna tarifa za svaki iznos
Pagesat EUR n Shqipri nn OUR - tarif fikse n do shum/EUR Payments in Albania under OUR - fixed fee in any
amount/Isplate u valuti EUR u Albaniji pod OUR - fiksna tarifa za svaki iznos
Pr transakcion/Per transaction/Po transakciji
2.00 EUR / USD
3.50
7.00
10.00
7.00
15.00
** Tek transferet ndrkombtare hyrse nn opcionin OUR, nse transferi kalon shumn e cila mbulohet nga bankat korespodente, ather diferenca mbulohet nga llogaria e klientit/**For International incoming transfers under OUR option, if the transfer exceeds the amount covered by correspondent banks, then the difference is covered from client account/**Kod
MIMORJA PR BIZNESIN DOKUMENTAR/PRICE LIST FOR DOCUMENTARY BUSINESS/CENOVNIK ZA DOKUMENTARNO POSLOVANJE
Tjerat/Others/Drugo
EUR
USD
Letr Kredit (LK)/Letter of Credit (LC)/Kreditno pismo (KP)
mimi Minimal/Minimal Price/Minimalna cena

EUR
Komisioni pr LK e mbuluar me para t gatshme/Commission for Cash Covered LC/Provizija za KP sa gotovinskim pokriem
1.2% p.a.
1.2% p.a.
25 Min
Komisioni pr Letr kredit e Financuara/Commission for Financed Letter of Credit/Provizija za finansirano kreditno pismo
Tarifa e zotimit (shp.adm.)/Commitment fee (admin.expens.)/Tarifa za preuzetu obavezu (adm. trokovi)
Garancionet (LG)/Guarantees (LG)/Garantno pismo (GP)
4.5% p.a.
0.3% pr transakcion/per transaction/Po transakciji
EUR
4.5% p.a.
USD
100 Min
NA
EUR
Komisioni pr LG e mbuluar me para t gatshme/Commission for Cash Covered LG/Provizija za GP sa gotovinskim pokriem
Komisioni pr LG e Financuar/Commission for Financed LG/Provizija za finansirano GP
Tarifa e Zotimit (shp.adm.)/Commitment fee (admin.expens.)/Tarifa za preuzetu obavezu (adm. trokovi)
Pagesa e Vonuar / Kamat vones/Delayed Payment / Penalty Interest/Zatezna kamata
1.2% p.a.
5.0% p.a.
4.0% Mujore/Monthly/meseno
1.2% p.a.
5.0% p.a.
4.0% Mujore/Monthly/meseno
25 Min
100 Min
NA
NA
TARIFAT PR PAGESA KOS GYRO DHE KOLEKTOR/KOS GYRO AND COLLECTOR PAYMENT FEES/TARIFE ZA PLAANJA KOS GYRO I NAPLATILACA
Klient Afarist/Business Clients/Poslovni klijenti
Klient Privat/Private Clients/Klijenti fizika lica
Tarifat pr pagesa Kos Gyro dhe Kolektor/Kos Gyro and Collector payment fees/Tarife za plaanja KOS GYRO i naplatilaca
Pagesat e Kolektorve (jo kliente te bankes)/Collector payments (non TEB Bank clients)/ Plaanja naplatilaca (koji nisu klijenti
Banke)
3.00
3.00
Validiteti/VALIDITY/VAENJE
Pagesat e Kolektorve - (Tarifa e Universitetit)/Collector payments (University fee)/Plaanja naplatilaca (Tarifa Univerziteta)
Pagesat Kos Gyro t Kompanive t Sigurimeve/Insurance Company Kos Gyro payments/Plaanja za Kos Gyro osiguravajuih
drutava
1.50
1.50
1.00
1.00
Pagesat Kos Gyro/Kos Gyro payments/Plaanja Kos Gyro
1.50
1.50
PAGESAT E KOLEKTORVE PRMES E-BANKING/COLLECTOR PAYMENTS VIA E-BANKING/PLAANJA NAPLATILACA PUTEM ELEKTRONSKOG BANKARSTVA
Klient Afarist/Business Clients/Poslovni klijenti
Klient Privat/Private Clients/Klijenti fizika lica
Tarifat pr pagesa Kos Gyro dhe Kolektor/Kos Gyro and Collector payment fees/ Tarife za plaanja Kos Gyro i naplatilaca
Pagesat KOS t kompanis s sigurimit prmes E-banking/Insurance Company Kos Gyro payments via E-banking/Plaanja KOS
osiguravajuih drutava putem elektronskog bankarstva
0.50
0.50
Pagesat KOS Gyro t KEDS prmes E-banking/KEDS Kos Gyro payments via E-banking/Plaanja KOS osiguravajuih drutava
putem elektronskog bankarstva
Pa pages/Free of charge/Besplatno
Pagesat KOS Gyro t TELEKOMIT prmes E-banking/TELEKOM Kos Gyro payments via E-banking/Plaanja KOS Gyro TELEKOM-a
putem elektronskog bankarstva
Pagesat KOS Gyro t Ujsjellsit Prishtina prmes E-banking/Prishtina RWC Kos Gyro payments via E-banking/Plaanja KOS
Gyro Vodovoda Pritina putem elektronskog bankarstva
Pagesat KOS Gyro t Doganave prmes E-banking/Customs Kos Gyro payments via E-banking/ Plaanja KOS Gyro Carine putem
elektronskog bankarstva
0.50
0.50
Pagesat e Kolektorve - Shpk Terminali/Collector payments - Terminali Shpk/Plaanja naplatilaca - Terminal Shpk
Pagesat e Kolektorve - Deklarimi I Tatimit (Bilanci 0)/Collector payments - Tax declaration (Balance 0)/Plaanja naplatilaca Poreske prijave (Stanje 0 evra)
PTK n TEB/PTK in TEB/PTK u TEB Banci
Validiteti/VALIDITY/VAENJE

0.50
NA
0.50
0.50
0.50
NA
Pagesat e tatimit prmes E-banking/Tax payments via E-banking/Plaanje poreza putem elektronskog bankarstva
KOMISIONET DHE TARIFAT PR KARTELA/COMMISIONS AND FEES FOR CARDS/PROVIZIJE I TARIFE ZA KARTICE
* Norma efektive e interesit (NEI): NEI llogaritet sipas depozitave t Rregullors s BQK-s pr Normn efektive t interesit dhe krkesat pr shpalosje.
Ju lutem, kontaktoni zyrtarin tuaj t porfolios pr m shum informata/* Effective Interest Rate (EIR): EIR is calculated pursuant to provisions of CBK Regulation on Effective interest rate and requirement for disclosure.
Kredit kartelat/Credit cards/Kreditne kartice
Shpenzimet administrative pr limitin e kartels kryesore/Administrative expenses for the main card limit/Administrativni
trokovi za limit na glavnoj kartici
Bizness Starkartela/Business StarCard/Biznis Starkartica
Starkrtela/StarCard/Starkartica
Mirmbajtja vjetore e kartels/Card annual maintenance fee/Godinje odravanje kartice

Mirmbajtja vjetore e kartels - kartela shtes/Card annual maintenance fee - additional card/Godinje odravanje kartice dodatna kartica
Lshimi I kartels/Card issuance/Izdavanje kartice/Zamena kartice (dodatne kartice) Ponovno izdavanje kartice
NA
NA
20.00
20.00
10.00
10.00
2.50
2.50
2.00
NA
2.50
2.50
0%
0%
24%
24%
48%
48%
25.00
25.00
24%
24%
3.00%
5.00
3.00
5.00
2% - min 2
2% - min 2
2.5% - min 3
2.5% - min 3
2.5% - min 3
2.5% - min 3
2.5% - min 3
NA
2.5% - min 3
2.5% - min 3
NA
1.50
1.00
1.50
NA
NA
2.5% - min 3
2.5% - min 3
2.5% - min 3
24%
0.24
0.24
1%
1%
NA
1%
1%
NA
500
500
500
25%
50%
50%
2.50
2.50
NA
NA
NA
2.0% - min 2
2.0% - min 2
NA
2.0% - min 2
2.0% - min 2
NA
NA
1%
1%
NA
1%
1%
NA
20.00
NA
10.00
Ndrrimi I kartels (kartela shtes) Rilshimi I kartels/Change of card (additional card) Card re-issuance
2.50
Tarifa mujore pr gjendjen e kartels/Monthly fee for card statement/Mesena tarifa za izvod stanja na kartici
Tarifa pr tejkalim t limitit/Fee on overdraft excess/Tarifa za prekoraenje limita
5.00
2.50
Tarif pr vrejtje/Fee for warnings/Tarifa za opomenu

Norma vjetore e interesit pr pages maksimale/Annual interest rate for maximum payment/Godinja kamatna stopa za
maksimalne isplate
Norma vjetore e interesit pr pages minimale/Annual interest rate for minimum payment/Godinja kamatna stopa za
minimalne isplate
Normal vjetore e kamats vones/Penalty interest annual rate/Godinja stopa zatezne kamate
Shpenzimet e kthimit t parave prapa (vetm pr ankesat e pa arsyetuara)/Cash reversal expenses (only for unjustified
complaints)/Trokovi povraaja novca (samo za neosnovane albe)
25.00
Norma e interesit pr trheqje t keshit/Interest rate for cash withdrawal/Kamatna stopa za podizanje gotovine
Ngritja e limitit n vler deri n 500/Limit increase up to 500/Poveanje limita u iznosu do 500 evra
Ngritja e limitit n vler mbi 500/Limit increase over 500/Poveanje limita u iznosu preko 500 evra
24%
3.00
5.00
Pagesat KOS Gyro dhe Kolektorve n ark me kartel me nj transakcion*/KOS Gyro and Collector payments in cash counters
by card in a single transaction*/Plaanja KOS Gyro i naplatilaca na blagajni uz karticu jednom transakcijom*
Pagesat KOS Gyro dhe Kolektorve n ark me kartel deri n 3 kste **/KOS Gyro and Collector payments in cash counters by
card in three installments**/ Plaanja KOS Gyro i naplatilaca na blagajni uz karticu najvie u 3 rate**
Trheqjet e parave t gatshme/Cash withdrawals/Podizanje gotovine
Trheqjet e parave t gatshme n bankomatt n ndrtesat e banks dhe jasht banks/Cash withdrawals in ATMs inside and
outside bank premises/Podizanje gotovine sa bankomata u objektu i van objekta Banke
Trheqjet e parave t gatshme n bankomatt e bankave t tjera brenda Kosovs/Cash withdrawals on other banks ATMs in
Kosovo/Podizanje gotovine sa bankomata u drugim bankama na Kosovu
Trheqjet e parave t gatshme n bankomatt e bankave t tjera jasht Kosovs/Cash withdrawals on other banks ATMs outside
Kosovo/Podizanje gotovine sa bankomata u drugim bankama na Kosovu
Transakcionet prmes ATM-it/Transactions via ATM/Transakcije na bankomatu (ATM)
Debit Kartels/Debit Card/Debitne kartice
Transfere t brendshme bankare/Internal bank transfers/Interni bankarski transferi
Transfere n banka tjera vendore/Transfers to other domestic banks/Transferi drugim bankama u zemlji
Kredit kartelat/Credit cards/Kreditne kartice
Pagesa e borxhit t kartels individuale dhe t biznesit/Individual and business card debt payment/Plaanje za dugovanja sa
individualne i poslovne kartice
Pagesa e borxhit t kartels pr persona t tjer/Card debt payment for other persons/Plaanje za dugovanja sa kartice drugom
licu
STARCASH (trheqja e parave t gatshme me kste)/STARCASH (cash withdrawal in installments)/STARCASH (podizanje gotovine na rate)
Tarifa pr trheqje t parave me kste/Fee for cash withdrawal in installments/Tarifa za podizanje novca na rate
Normal e interesit s trheqjes s parave me kste/Interest rate for cash withdrawal in installments/Kamatna stopa za
podizanje novca na rate
Pagesat n POS terminale/Payments in POS Terminals/Plaanja na terminalima POS
Pagesat n POS terminale t banks ton/Payments in our bank POS Terminals/Plaanja na terminalima POS nae Banke
Pagesat n POS terminale t bankave t tjera brenda Kosovs/Payments in other banks POS Terminals in Kosovo/Plaanja na
terminalima POS drugih banaka na Kosovu
Pagesat n POS terminale t bankave t tjera jasht Kosovs/Payments in other banks POS Terminals outside Kosovo/Plaanja
na terminalima POS drugih banaka van Kosova
Pagesat prmes internetit/Payments via Internet/Plaanja putem interneta
Blerjet online/Online purchases/Kupovina na internetu
Tarifa pr konvertim valutash pr transakcione q nuk bhen n EUR (ATM/POS)/Fee for currency conversion for transactions
that are not performed in EUR (ATM / POS)/Tarifa za konverziju valuta za transakcije koje se ne vre u evrima (ATM/POS)
Limitet e lejuara/Allowed limits/Dozvoljeni limiti
Limiti max. ditor pr terheqje t parave t gatshme n bankomat/Max. daily limit for cash withdrawals in ATM/Maksimalni
dnevni limit za podizanje gotovine na bankomatu
Limiti I lejuar pr terheqje t parave t gatshme/Allowed limit for cash withdrawal/ Dozvoljeni limit za podizanje gotovine
Debit kartelat/Debit Card/ Debitne kartice
Lshimi / Rilshimi I Debit Kartels/Issuance / Re-issuance of Debit Card/ Izdavanje ili ponovno izdavanje debitne kartice
Trheqja e parave t gatshme n bankomatt n ndrtesat e banks/Cash withdrawals in ATMs in bank premises/Podizanje
gotovine sa bankomata u objektima Banke
Trheqja e parave t gatshme n bankomatt jasht banks/Cash withdrawals in ATMs outside bank premises/Podizanje
gotovine sa bankomata izvan Banke
Trheqja e parave t gatshme n bankomatt e bankave t tjera brenda Kosovs/Cash withdrawal in other banks ATMs in
Kosovo/ Podizanje gotovine sa bankomata u drugim bankama na Kosovu
Trheqja e parave t gatshme n bankomatt e bankave t tjera jasht Kosovs/Cash withdrawal in other banks ATMs outside
Kosovo/Podizanje gotovine sa bankomata u drugim bankama van Kosova
Pagesat n POS terminale t banks ton/Payments in our bank POS Terminals/ Plaanja na terminalima POS nae Banke
Pagesat n POS ternimale t bankave t tjera brenda Kosovs/Payments in other banks POS Terminals in Kosovo/Plaanja na
terminalima POS drugih banaka na Kosovu
Pagesat n POS ternimale t bankave t tjera jasht Kosovs/Payments in other banks POS Terminals in Kosovo/Plaanja na
terminalima POS drugih banaka van Kosova
POS Terminalet/POS Terminals/Terminali POS
AGRO/AGRO/POLJOPRIVREDNI
0%
24%
48%
2% - min 2
Klientt Afarist/Business Clients/Poslovni klijenti
Kriteri pr komision/Criterion for commission/Kriterijumi za proviziju

3 muajt e fundit < 150 qarkullim pr POS terminal/Last 3 months < 150 turnover per POS
2.50
Terminal/Poslednja 3 meseca < 150 evra prometa na POS terminalima
Komisioni pr POS-a jo aktiv/Commission for non active POS Terminals/Provizija za neaktivne POS
1.00
Mirmbajtja e POS llogaris/POS account maintenance/Odravanje rauna POS
5.30
Pr GPRS-POS/Per GPRS-POS/Po GPRS-POS
Komisioni pr GPRS-POS/GPRS-POS commission/Provizija za GPRS-POS
* Pr pagesat institucionale dhe komunale me Starcard me nj transakcion t vetm aplikohet vetm tarifat e cekura tek tarifat p pagesa KOS GYRO dhe Kolektor/* For institutional and utility payments with Starcard in a single transaction, only fees mentioned in KOS GYRO and Collector fees apply/* Za institucionalna i komunalna plaanja Starcard karticom samo
d pagesat
j
kinstitucionale
iji i
j j dhe komunlaeif me Starcard
d
kme
d dy ifdhe trel kste
j aplikohen
KOS GYROtarifat
i
l e ilcekura tek Komisionet dhe Tarifat pr Kartela./** For institutional and utility payments with Starcard in two or three installments, fees mentioned in KOS GYRO and Collector fees apply./** Za institucionalna i komunalna plaanja Starcard karticom u dve ili tri rate primenj
**j Pr
DEPOZITAT DHE KURSIMET/DEPOSITS AND SAVINGS/DEPOZITI I TEDNI ULOZI

EUR
Periudha/Period/Rok
Norma e Interesit/Interest Rate/Kamatna stopa
Norma efektive e interesit/Effective Interest Rate/Efektivna kamatna stopa
0.00% Vjetore/Annual/godinje
1 Muaj/month/mesec
3 Muaj/months/meseca
6 Muaj/months/meseci
9 Muaj/months/ meseci
Llogaria Fleksi/Flexi Account/ Fleksi raun
Valuta/Currency/Valuta
EUR
Llogaria e Kursimit/Saving Account/tedni raun
0.03% Vjetore/Annual/Godinje
EUR
USD
CHF
GBP
Depozitat me afat/Time Deposit Accounts/Oroeni depoziti
Periudha/Period/Rok
Norma e interesit/Interest Rate/Kamatna stopa
Norma efektive e interesit/Effective Interest Rat
1 - 12 Mujore/Monthly/meseci
USD
CHF
GBP
* Pr do ndrprerje t marrveshjs s llogarive t depozitave para kohe, do t aplikohet kamata vones/* For any time deposit agreement termination prior to maturity, penalty interest shall apply/* Na svaki prevremeni raskid ugovora o depozitnim raunima primenjuje se zatezna kamata
* Ju lutem, vizitoni zyrtart tan t portfolios pr llogaritje t detajuar t do lloj krkese t depozitave. Metoda e llogaritjes mund t merret nga stafi I banks, me krkes t klientit. Banka Llogarit normn efektive t interesit n kredi dhe depozita n baz t Rregullores s BQK-s pr "normat efektive t interesit dhe krkesat pr shpalosje" dhe kjo shpaloset n
kontrat mes banks dhe klientit/* 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/* Obratite se naim slubenicima za portfolio radi detaljnog obrauna za svaku vrstu zahteva za dobijanje kredita. Nain obrauna moe da se dobije od osoblja banke, na zahtev klijenta. Banka obraunava efektivnu kamaptnu stopu na kredite i depozite na osnovu Pravilnika CBK o "efektivnoj kamatnoj stopi i zahtevima za
saoptavanje podataka" to je navedeno u ugovoru zakljuenom izmeu Banke i klijenta.
13.07.2015

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mimore/Price List/Cenovnik

LLOJET E KOMISIONEVE/COMMISSION TYPES/VRSTA PROVIZIJE

Pa pages/Free of charge/ Besplatno

Pa pages/Free of charge/ Besplatno

Pa pages/Free of charge/ Besplatno

Pa pages/Free of charge/ Besplatno

Pa pages/Free of charge/ Besplatno

Pa pages/Free of charge/ Besplatno

LLOJET E KOMISIONEVE/COMMISSION TYPES/VRSTA PROVIZIJE

Transferet nderkombtare hyrse **/International incoming transfers **/Dolazni meunarodni transferi **

Pr llogari/Per account/Po raunu

Nuk aplikohet/Not applicable/Ne primenjuje se

0.15% min 15/max. 1,000

0.20% min 15/max. 1,000

0.20% min 15/max. 1,000

Pr transakcion/Per transaction/ Po transakciji

Pr transakcion/Per transaction/ Po transakciji

Pr transakcion/Per transaction/ Po transakciji

KREDI BIZNESI/BUSINESS LOANS/KREDITI ZA POSLOVNE ORGANIZACIJE

Kredi p vetur/Car Loans/Kredit za kupovinu vozila

max. 12 muaj/months/ meseci

max. 12 muaj/months/ meseci

KREDI INDIVIDUALE/INDIVIDUAL LOANS/ LINI KREDITI

Kredi konsumuese/Consumer loans/Potroaki kredit

Mbitrrheqje t mbuluar me mjete t gatshme/Cash Covered Overdraft/Dozvoljeno prekoraenje sa gotovinskim pokriem

0 - 120 muaj/months/ meseci

2.00 EUR / USD

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Letr Kredit (LK)/Letter of Credit (LC)/Kreditno pismo (KP)

mimi Minimal/Minimal Price/Minimalna cena

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pagesat Kos Gyro/Kos Gyro payments/Plaanja Kos Gyro

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Pr transakcion/Per transaction/Po transakciji

Mirmbajtja vjetore e kartels/Card annual maintenance fee/Godinje odravanje kartice

Tarif pr vrejtje/Fee for warnings/Tarifa za opomenu

Klientt Afarist/Business Clients/Poslovni klijenti

Kriteri pr komision/Criterion for commission/Kriterijumi za proviziju

DEPOZITAT DHE KURSIMET/DEPOSITS AND SAVINGS/DEPOZITI I TEDNI ULOZI

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Transferet nderkombtare hyrse /International incoming transfers /Dolazni meunarodni transferi **