Fees and Commissions

Transaction Commissions
	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 Lek		1.5% min 200 Lek
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 Lek within the Republic of Albania (AIPS and AECH)
Towards Fibank	0		100
Nën 100,000 Lekë (AECH) datë valutë normale D+2	0		100
Nën 100,000 Lekë (AECH) datë valutë urgjente D	200 Lek		300
100,000 to 1.5 million Lekë (AECH) normal value date D+2	250 Lek		500
100,000 to 1.5 million Lekë (AECH) urgent currency date D	500 Lek		600
Mbi 1.5 mln Lekë datë valutë normale D+2	450 Lek		500
Mbi 1.5 mln Lekë me datë valutë urgjente D	700 Lek		800
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 Lek		1 500
CASH withdrawal at ATMs of the “Pago” Network	0		0
CASH withdrawal at non-Pago Network ATMs within the Republic of Albania	150 Lek		200 Lek
CASH withdrawal at non-Pago Network ATMs outside the Republic of Albania	2% min 300 Lek		2% min 300 Lek
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 Lek		30 Lek
Physical card printing upon request for clients aged 18-23	800 Lek		800 Lek
Annual maintenance fee	0		0
Account closure	500 Lek		800 Lek
Limits for card transactions
ATM withdrawal limit in 24 hours;	70 000 Lek		70 000 Lek
Maximum daily usage limit at POS	200,000 Lek		250 000 Lek
Maximum daily internet limit	150,000 Lek		200,000 Lek
POS Commissions
Minimum Commission	us	25 Lek
Maintenance Fee (annual)	us	5 000
Return Many	us	1,000 Lek/incident
Inactivity Fee	us	3 000 Lek/month
POS fee	us	5 000 Lekë/one-time
Damage / Loss	us	18 000 Lek
vPOS Commissions
Implementation fee	us	100 Euros
Standard service fee	us	240 Eur annually
vPOS website customization	us	50 Eur / Modification
POS Closure/Modification	us	25 Euros
Partial refund fee	us	5 Euros