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 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
under 100,000 Lekë (AECH) normal value date D+2	0		100
under 100,000 Lekë (AECH) urgent currency date D	200 ALL		300
100,000 to 1.5 million ALL (AECH) normal value date D+2	250 ALL		500
100,000 to 1.5 million ALL (AECH) urgent currency date D	500 ALL		600
over 1.5 million Lekë normal exchange date D+2	450 ALL		500
over 1.5 million Lekë with urgent value date D	700 ALL		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 ALL		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 ALL		200 ALL
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 ALL		30 ALL
Physical card printing upon request for clients aged 18-23	800 ALL		800 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 Lek
Maximum daily usage limit at POS	200,000 ALL		250 000 ALL
Maximum daily internet limit	150,000 ALL		200,000 ALL
POS Commissions
Minimum Commission	us	25 Lek
Maintenance Fee (annual)	us	5 000
Return Many	us	1,000 ALL/incident
Inactivity Fee	us	3 000 ALL/month
POS fee	us	5 000 ALL/one-time
Damage / Loss	us	18 000 ALL
vPOS Commissions
Implementation fee	us	100 Euros
Standard service fee	us	240 Euro yearly
vPOS website customization	us	50 Euro/Modification
POS Closure/Modification	us	25 Euros
Partial refund fee	us	5 Euros