Fees and Commissions

Transaction Commissions
	Pago Individual		business
Transactions within the “Pago” platform	0		0
Top up (fill) of the “Pago” account with a debit/credit card	3% of the value		3% of the value
Payment of vehicle fines (e-fines) regardless of license plate	30 Lekë after the third fine within the calendar month;		30 Lek for each fine
Cash In via agent (Raea)	1.5% min 200 ALL		1.5% min 200 ALL
Incoming transfers within the country (Sending banks may apply commissions according to their policies)	0 ALL Commission Pay		0 ALL Commission Pay
Outgoing transfers in Albanian Lek within the Republic of Albania (AIPS and AECH)
Towards FiBank	0		100  ALL
Under 100,000 ALL (AECH) – standard value date D+2	0		100  ALL
Under 100,000 ALL (AECH) – urgent value date D	200 ALL		300  ALL
100,000 to 1.5 million ALL (AECH) normal value date D+2	250 ALL		500  ALL
100,000 to 1.5 million ALL (AECH) urgent currency date D	500 ALL		600  ALL
Over 1.5 million ALL – standard value date D+2	450 ALL		500  ALL
Over 1.5 million ALL – urgent value date D	700 ALL		800  ALL
Outgoing transfers in Euro within the Republic of Albania
Outgoing transfers in Euro within the Republic of Albania min. 6 Euro – max. 50 Euro	0.15%		0.15%
Debit card fees
Payment Card Printing	1 000 ALL		1 500  ALL
CASH withdrawal at ATMs of the “Pago” Network	0		0
CASH withdrawal at non-Pago Network ATMs within the Republic of Albania	150 ALL		200 ALL
CASH withdrawal at non-Pago Network ATMs outside the Republic of Albania	2% min 300 ALL		2% min 300 ALL
Purchase commissions:
Purchase at the “Pago” Network POS	0		0
Purchases at non-Pago Network POS within the country	0		0
Purchases at non-Pago Network POS abroad	0		0
Purchase at VPOS	0		0
Other committees
Balance verification at ATMs of the “Pago” Network	0		0
PIN change at ATMs of the “Pago” Network	0		0
Changing PIN at ATMs of other banks	30 ALL		30 ALL
Physical card printing upon request for clients aged 18-23	800 ALL		1500 ALL
Annual maintenance fee	0		0
Account closure	500 ALL		800 ALL
Limits for card transactions
ATM withdrawal limit in 24 hours;	70 000 ALL		250 000 ALL
Maximum daily usage limit at POS	200,000 ALL		400 000 ALL
Maximum daily internet limit	150,000 ALL		250 000 ALL
POS Commissions
Minimum Commission	N/A	25 ALL
Maintenance Fee (annual)	N/A	5 000 ALL
Return Many	N/A	1,000 ALL/incident
Inactivity Fee	N/A	3 000 ALL/month
POS fee	N/A	5 000 ALL/one-time
Damage / Loss	N/A	18 000 ALL
vPOS Commissions
Implementation fee	N/A	100 Euro
Standard service fee	N/A	240 Euro yearly
vPOS website customization	N/A	50 Euro/Modification
POS Closure/Modification	N/A	25 Euro
Partial refund fee	N/A	5 Euro
Transaction fee	N/A	As per the agreement
Fees for ‘Pay by Link
Implementation fee	N/A	0
Standard service fee	N/A	0
Partial refund fee	N/A	5 Euro
Fee for disputed transactions (Chargeback)	N/A	12 Euros for each case of dispute
Transaction fee	N/A	As per the agreement