Basic Account with Essential Services

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

Terms and Conditions

Current Account

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

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

Salary Account

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

Terms and Conditions

Retirement Account

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.

What Makes It Ideal for Pensioners?

This account offers a comfortable and secure way to access your pension — whether at a branch or through a debit card at any ATM, 24/7.Here’s what you get:

  • Zero monthly commissions
  • Free pension crediting
  • Visa Electron debit card to withdraw funds at any ATM
  • Easy access to your pension at any Credins branch
  • Simple and fast application process

Safer Than Carrying Cash

Using your personal debit card is far more secure than keeping cash in your wallet. Even if you lose the card, your money stays protected — only you can access your account.

Deposit Insurance

All retirement accounts at Credins Bank are insured by the Deposit Insurance Agency (ASD) up to 2,500,000 ALL, or its equivalent in foreign currency, as defined by Law No. 53/2014 “On Deposit Insurance.”

Terms and Conditions

Savings Account

A Savings Account at Credins Bank offers flexibility, easy access to your funds, and the ability to earn interest daily — without committing to a fixed deposit term.

Why Choose a Savings Account?

This account is ideal for customers who want to save regularly while still maintaining the freedom to access their money anytime.With a Savings Account, you can:

  • Deposit and withdraw funds at any time
  • Earn daily interest based on your balance
  • Avoid fixed terms — add or remove funds without penalties
  • Apply for a bank card for easy access
  • Receive international transfers directly into your account
  • Manage your money efficiently, online or in branch

Unlike a Time Deposit, this account gives you flexibility. Unlike a Current Account, it lets you earn interest on your balance.

Terms & Conditions

The Savings Account — also referred to as a Demand Deposit Account — combines key features of both Current and Term Deposit accounts, making it a practical choice for both everyday use and long-term saving.

Deposit Insurance

All savings accounts at Credins Bank are protected by the Deposit Insurance Agency (ASD) up to 2,500,000 ALL, or its equivalent in foreign currency, as defined by Law No. 53/2014 “On Deposit Insurance.”

Terms and Conditions

Find the Right Account for You

Whether you’re managing daily spending, saving for the future, or receiving your salary — Credins has an account that fits your life.

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The right account for every stage of life

From everyday spending to long-term saving, Credins offers accounts designed to fit your needs — simply and securely.

Basic Account
A simple, no-frills account for everyday payments and essential services — ideal if you need the basics.
View details
Current Account
Enjoy full access to banking services and manage your daily finances with ease.
View details
Salary Account
Get your paycheck directly into your Credins account and access features made for working professionals.
View details
Retirement Account
Designed for pensioners, with easy access and simplified banking to support your lifestyle.
View details
Savings Account
Earn interest while growing your money safely, with flexible options and reliable returns.
View details
Retirement Account
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View Terms and Conditions

Why Open an Account with Credins?

Our accounts are designed for convenience, flexibility, and the way you live — whether online or in branch.

Bank the Way You Want

Access your account in-branch, online, or via mobile — with services that fit your lifestyle.

Accounts That Fit Your Needs

Choose from savings, current, salary, or retirement accounts — with options for every stage of life.

FAQs

Here are some common questions about opening and managing a Credins account.

Contact Us for More Help
Q: What types of accounts does Credins offer?

A: We offer Savings, Current, Salary, Basic, and Retirement accounts — each designed to meet specific personal banking needs.

Q: How can I open an account with Credins?

A: Visit any Credins branch with your ID and complete a short application. Our team will help you choose the right account.

Q: Do I need to deposit a minimum amount?

A: Some accounts may require a minimum opening balance. This will be clearly explained during the account opening process.

Q: Can I access my account online?

A: Yes. Once your account is opened, you can manage it anytime through Credins Online and the mobile app.

Q: Are there any maintenance fees?

A: Certain account types may include low monthly fees. We’ll help you choose an option that fits your needs and usage.

Ready to Get Started?

Apply for a Credins product

Fill out the form below and a Credins representative will contact you to complete your application.

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“We guarantee that the data collected through this application will be processed in accordance with Law No. 124/2024 ‘On the Protection of Personal Data’, as amended, as well as the legal and sub-legal acts issued for its implementation. As a data subject, you enjoy all the rights provided by law. Credins Bank protects all data in secure premises and systems until the expiry of the period defined in Instruction No. 20 dated 03.08.2012 of the Commissioner for the Right to Information and Protection of Personal Data, ‘On the Processing of Data in the Banking Sector’, after which the data are destroyed.”
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