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Business（https://www.bankacredins.com/business/sme/overview）Credins Online（https://eb.bankacredins.com/ebanking）
Consumer Loan
A Basic Account is a payment account designed for personal use, giving you access to key banking services free of charge — both online and at Credins branches.
What’s Included in the Basic Account?
The account is offered in Albanian Lek (ALL) and provides access to the following services:
Money management and payment transactions (via online banking and in-branch service)
Cash withdrawals and deposits at Credins branches
Physical and virtual transactions at ATMs and POS terminals
Utility payments, direct debits, periodic payments
Transfers within Credins accounts or to other banks within Albania
A free debit card linked to the account
Note: This account cannot be linked to credit or overdraft products.
How to Open a Basic Account
To open a Basic Account, simply visit any Credins Bank branch with:
A valid identity document
Proof of your eligibility (see below)
Completion of the application form and required documentation
This account is available to consumers who meet certain criteria defined under Law no. 100/2023 on Payment Accounts with Basic Services. Eligible individuals may include:
Pensioners
Unemployment benefit recipients
Student grant recipients
Other as defined by law
This account is intended for consumers who do not already hold the same type of account with another bank in Albania.
Zero-Fee Features
For eligible customers, the Basic Account includes the following services free of charge:
Account opening
Money maintenance
Deposits
Withdrawals (Including ATM withdrawals)
Direct debit payments
Debit card issuance and in-country use
Periodic and interbank withdrawals
Domestic transfers
Deposit Insurance
All deposit accounts at Credins Bank — including the Basic Account — are insured by the Deposit Insurance Agency (ASD) up to 2,500,000 ALL or equivalent in foreign currency, in accordance with Law No. 53/2014 “On Deposit Insurance”.For more information, visit www.asd.gov.al（https://www.asd.gov.al）
Terms and Conditions（https://cdn.prod.website-files.com/68ba9d4638dc9ab5e8fe44a1/6979d9cc9437389ce675b055_Credins%20Kredi%20Konsumatore.pdf）
Home Loan
A Current Account is your everyday banking solution — the foundation for a lasting relationship with Credins Bank. It gives you full access to all our banking services, whether you manage your finances in-branch, online, or through our mobile app.
What’s Included in the Basic Account?
Key Benefits
Receive your salary or pension directly
Get a VISA or Mastercard debit card
Make unlimited card payments at local and international merchants
Perform unlimited in-branch transactions
Use Credins ATMs or any ATM in Albania or abroad
View real-time account activity and statements
Pay utility bills: electricity, internet, phone, water, and more
Send or receive domestic and international transfers
Transfer money to third parties or between your own accounts
Access and use Credins Online for digital banking
Set up automatic payments for recurring expenses
Enroll in voluntary retirement services
Additional Banking Options
Once you’ve opened your Current Account, you also become eligible to:
Apply for an overdraft
Request a credit card
Deposit Insurance
All deposit accounts at Credins Bank — including the Current Account — are insured by the Deposit Insurance Agency (ASD) up to 2,500,000 ALL, or its equivalent in foreign currency, as defined in Law No. 53/2014 “On Deposit Insurance”.Learn more at www.asd.gov.al（https://www.asd.gov.al）
Required Documents
To open a Current Account, please bring the following to your nearest Credins branch:
Valid ID card or passport
Current Account agreement (provided and signed in-branch)
Terms and Conditions（https://cdn.prod.website-files.com/68ba9d4638dc9ab5e8fe44a1/6979dd03a5ce0a3bf7c35a32_Credins%20Kredi%20Hipotekore.pdf）
Green Loan
A Salary Account is designed specifically for individuals employed in the private or public sector, offering a simple way to receive your monthly income — along with a wide range of exclusive benefits and additional banking services.
Why Choose a Salary Account at Credins?
Opening your Salary Account at Credins means more than just getting paid. It opens the door to a flexible, service-rich banking experience built around your monthly income.With a Salary Account, you can:
Receive your salary directly in Albanian Lek (ALL) or Euro (EUR)
Get a Mastercard or Visa debit card (based on your preferred currency)
Access your account anytime with Credins Online, free of charge
Receive salary payment notifications for real-time updates
Make bank transfers, online payments, and manage your funds with ease
Additional Benefits
As a Salary Account holder, you also gain access to:
Preferential interest rates on salary-linked overdrafts
Options to enroll in a Voluntary Pension plan
Combined packages with banking products and core services made for salaried customers
Deposit Insurance
All salary accounts at Credins Bank — like all deposit accounts — are insured by the Deposit Insurance Agency (ASD) up to 2,500,000 ALL, or its equivalent in foreign currency, in line with Law No. 53/2014 “On Deposit Insurance.”For more details, visit www.asd.gov.al（https://www.asd.gov.al）
Terms and Conditions（https://cdn.prod.website-files.com/68ba9d4638dc9ab5e8fe44a1/6979dd4ba5ce0a3bf7c3705d_Credins%20Kredia%20Konsumatore%20Green.pdf）
Multipurpose Loan
A Retirement Account at Credins is designed specifically for pensioners who want to receive and manage their pension safely and conveniently — with zero monthly costs and straightforward setup.