Payment Account

What is a payment account?

A payment account is an account in the name of a user of payment services, which is used to perform payment transactions, according to the customer's requests

Flexibility 24/ 7

When opening a payment account, you may request to get provided with a Debit Card VISA Electron, that gives you the possibility to:

  • perform cash withdrawal transactions from your payment account 24 hours per day, 7 days in a week, through the ATM Raiffeisen Network and each ATM that have VISA logo, inside and outside Albania.
  • perform payments on all POS that hav VISA or MasterCard- logo, inside and outside Albania.

Transferring Payment Account Service

The Bank offers the possibility of transferring payment account from the Bank to another payment service provider.
In carrying out the process of transferring payment accounts, the Bank shall apply the rules set out in the Regulation of the Bank of Albania "On the comparability of fees related to payment accounts and on the service of transferring payment accounts," approved by the Supervisory Council of the Bank of Albania, Decision No. 59, dated December 21, 2022.

The transfer of the payment account will be made based on the authorization signed by the Client.


The Deposit in Raiffeisen Bank is insured for the amount up to 2.500.000,00 (two million and five thousand) Lek by the Deposits Insurance Agency -, according to provisions of Law no. 53/2014, date 22.05.2014 "On the Deposits' Insurance" as amended.


Fixed Periodical Payments can be done through the payment account in the favor of the third parties.

  • You may transfer periodically and automatically a fixed amount from your payment account in another payment or current account
  • Automatic Payments (Direct Debit) of utility payments
  • Bill payment at branches, Raiffeisen On, automatic payments (direct debit) are listed below:
  • ONE

Most Visited Pages