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cards: Debit Cards

Experience simple and fast payments with VISA and Mastercard debit cards from Raiffeisen Bank. Perform contactless payments, ATM deposits and withdrawals as well as online payments.

Contactless payments
ATM cash withdrawal and deposit
Domestic and international POS payments

Debit cards are an essential tool for everyday banking needs.

These cards are linked to your Raiffeisen Bank account, allowing you to make purchases, withdraw cash from ATMs, and manage your finances with ease.

Experience the convenience of a single card fulfilling to all your requirements!

Experience the convenience of the debit card from Raiffeisen Bank, designed to simplify your daily life. Discover the power of fast contactless payments, access to funds anytime and secure transactions at Point of Sale (POS) and Online.

Get the innovative SmartPay devices connected to the debit card.

Zero commission for:

  • Cash Withdrawalsnfrom Raiffeisen Bank ATMs 
  • Purchase in POSnwithin Albania
  • Issued debit card
  • Card renewal
  • PIN change in ATM

PROMO: SmartPay

Making contactless payments has never been easier.

Get now your SmartPay Accessories as an innovative solution designed to facilitate your daily life. These cards are a revolutionary way to make contactless payments and cash withdraw from contactless ATMs without the need to carry your main card with you.

  • Sticker Card
  • Payband Card 

Documents needed

You need just an ID and a Current Account in ALL or EUR at Raiffeisen Bank.

Frequently Asked Questions

On this part you may find the most frequently asked questions about Debit Cards

The application for a debit card can be made at any branch of Raiffeisen Bank Albania, through Digital Platform Raiffeisen On as well as through the official website of Raiffeisen Bank Albania.

To get your debit or credit card PIN, you will be provided with an 8-digit code in the contract to learn your code. Next, you will receive an SMS from "RAIPIN" with a second code. You must combine the second code received from "RAIPIN", together with the 8-digit code received in the contract, without spaces. Be sure to send the correct combination and youwill receive the PIN  code of your card by SMS.

You have only 1 attempt to send the correct combination within 7 days, otherwise the bank will continue printing the PIN. The printed PIN can be withdrawn at the branch selected by you during application.

Please note: Make sure you have updated your data and phone number in the bank's system, as only through this number you can receive your card's PIN via SMS

  • Up to 4,500 Lek without PIN at Raiffeisen Point of sale (POS).
  • Up to 50 Euro/ equivalent without using PIN at the other banks Point of sale (POS) inside and outside the country.
  • The number of contactless transactions without PIN is up to 5 consecutive transactions.
  • If the sum of 150 Euros (equivalent in Lek currency) of consecutive transactions without PIN is exceeded, the transaction will be approved through PIN.

No, application for EUR accounts is only allowed for Mastercard Debit cards.

There is no application fee for debit card.

  • In case of loss of the card or in cases of theft, you must notify immediately by contacting the Contact center at phone number +355 4 2227262 / 08007777
    (landline) and your card will be blocked immediately. The Contact Center works 24 hours a day, 7 days a week.
  • You can visit the nearest branch to report the card as lost or stolen.
  • If you have digital wallet RaiPay, downloaded on your phone, you can immediately block the card in the application.

Debit card limit is determined according to the segment you have in the bank. In the Fees and Terms section you can find information about your card limit. This limit can be temporarily changed by visiting the nearest Raiffeisen Bank branch.

3D Secure is a free service offered by Raiffeisen bank Albania to increase your security when paying by card online, at merchants that areincluded in the  Mastercard IDcheck and/or Visa Secure program. The 3D Secure service offers you additional protection against unauthorized use of your registered card during an online transaction.Your card is pre-registered by the bank in the 3D security service and it is not necessary for you to fill out a form or appear at the bank's branches.