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sme business start

A bank account that rewards you

Become a new business client at Raiffeisen Bank, make payments with your business card anywhere and earn:

4,500 Lek for three months

Learn more Register now

The offer is valid for all new business clients from January 1 to March 31, 2026.

To receive the reward, you must make at least 5 payments with your business card within the month the account is opened, as well as during the following two months.

Join Raiffeisen Bank

A fast, simple, and secure process

  • Simple Registration Process

    Your time is valuable. At Raiffeisen Bank, you can open your online bank account with just a few clicks—quickly, easily, and stress-free.

    Register

  • Automatic Account Opening

    Once you submit your information and the required documents, our platform takes care of the rest. Your account is opened automatically, allowing you to focus on what matters most: growing your business.

    Register

  • Real-Time Updates

    Receive real-time notifications about the status of your application and track the process without any uncertainty.

    Register

  • Maximum security for your data

    Your security is our priority. Raiffeisen Bank uses the highest encryption standards and compliance controls to protect all your sensitive information throughout the entire process.

    Register

  • Banking services tailored to your business

    Every business is unique, and so are your needs. Choose from a wide range of banking products for you: business accounts, loans, and other services designed to support your growth.

    Register

  • Support when you need It

    If you have questions or need assistance, our dedicated team is always there for you, just a call or message away.

    Register
fto dhe fito

Member get Member!

You can earn 3000 ALL just by sharing a link

An opportunity to help your business partners and at the same time be rewarded for it.

Learn more Invite your partners
Investim

Don’t let complicated procedures hold you back

Discover the new way of banking with Raiffeisen Bank SME Start. Sign up today and see how easy it can be to open your online business account.

Register now

Revolution in simplifying payments

The new RaiPOS application, now available for Android smartphones, helps you offer your customers another card payment option. You can accept contactless payments with your smartphone with NFC reader.

Download RaiPOS Learn more

Why Raiffeisen Bank?

We make your financial journey easier with advanced digital solutions, so you can invest in the progress of your business.

  • Online payments with 0 commission

    To third parties, Customs, Treasury Branches, Taxes, and utilities.

  • Online banking transactions 24/7

    Every banking transaction is carried out online 24/7.

  • 0 maintenance fee for Raiffeisen ON

    The Raiffeisen ON digital platform has no maintenance fee.

  • Dedicated manager

    Continuous support and guidance.

What you need

To open a business account, prepare these documents:

Personal information

  • Nationality/Citizenship: Albanian
  • Personal details: Passport or ID card, full name, date of birth, email address, phone number, residential address (country, city, postal code, street)

Business Data

  • Legal Form: Entrepreneur
  • Historical Extract QKB: Historical extract downloaded from E-albania within the last 5 days

Packages for your business

We have designed 3 new small business packages which are available to both new and existing customers

BASIC Package

350 Lek

/ Month

It is one of the main packages for new customers who have started their first bank operations, self-employed, traders and new companies.

  • Free current account in LEK
  • Free Mastercard debit card in LEK
  • Raiffeisen ON no monthly fee
  • Internal payment for free from Raiffeisen ON
  • Payroll free of charge
  • Withdrawal in branches – No commission up to 5.000 EUR
Recommended

DIGI Package

550 Lek

/ Month

This package is suitable for customers whose preferred way of making transactions and other actions is digital (without visiting branches).

  • Current account in LEK & EUR without monthly commission
  • Mastercard Debit Card in LEK & EUR without monthly commission
  • Raiffeisen ON without monthly commission
  • Payments within the Bank from Raiffeisen ON without commission
  • Salary transfer from Raiffeisen ON without commission
  • 50% discount for outgoing payments in ALL made at Raiffeisen On
  • 0.08% for outgoing payments in FCY made at Raiffeisen ON
  • 0.02% commission for SEPA payments made at the branch
  • 0.01% commission for SEPA payments made at Raiffeisen ON
  • POS - No more than 2.00% commission
  • RAIPOS – 0.01% commission lower than standard terms
  • 20% discount from the administration commission for Loan/Overdraft products
  • 0.1% discount from the interest rate for Loan/Overdraft products

PREMIUM Package

1,250 Lek

/ Month

This package offers convenience, benefits in banking processes and preferential conditions for financing products, for customers who prefer digital channels and/or branches.

  • Current account in all currencies without monthly commission
  • Master Debit Card in LEK & EUR without monthly commission
  • Raiffeisen ON without monthly commission
  • Payments within the Bank from Raiffeisen ON without commission
  • Salary transfer from Raiffeisen ON without commission
  • 0.005% (min 50 LEK) commission for payments outside the bank in LEK currency from Raiffeisen On
  • 0.02% commission for SEPA payments made in branches
  • 0.01% commission for SEPA payments made by Raiffeisen ON
  • POS - No more than 2.00% commission
  • RAIPOS – 0.01% commission lower than standard terms
  • 20% discount on the administration fee for Loan/Overdraft products
  • 0.1% discount on the interest rate for Loan/Overdraft products
  • 0% commission for cash withdrawals in branches up to EUR 20,000
  • PI Silver Offer

Frequently asked questions

On this page you can find the most frequently asked questions about SME Start

  • How can I apply online for an account opening?

    You can apply for an account opening by accessing the online application platform in a few quick steps, you will be able to apply for opening your business account by completing the application from the business owner with the owner's personal data and information about the business.

  • For which businesses is the online application offered?

    The online application for opening a business account is only available for businesses with one owner, registered as a PF. For other business categories and in cases with more than one owner, customers are instructed to visit the nearest bank branch.

  • For which account can I apply online?

    You can apply for a business account and choose one of the following packages:

    • Standard Current Account in Lek - 200 Lek/month
    • BASIC Package - 350 Lek/month
    • DIGI Package - 550 Lek/month
    • PREMIUM Package - 1,250 Lek/month

Personal data of the business owner, residential address of the business owner, and data on the business.

Clients who can apply online for an account are residents of Albania, individual business owners or business owners registered as “Entrepreneur”.

The account will be activated after visiting the branch and verifying/signing the documents. If the branch is not visited within the 5-day period to activate the account - the account will be closed.

  • Identification document (passport or ID card)
  • Business certificate, business information and statute for businesses. (Historical Extract downloaded from e-albania within the last 5 days)

  • Businesses with more than one owner
  • American citizens
  • Customers who wish to reactivate a closed account