Business Banking

Banking services that move at the pace of your business

Open your business account with Jet Bank and manage your banking activities through Jet Business Banking. View your accounts, initiate online payments and keep track of your business finances wherever you are, 24/7. If your business is registered in accordance with applicable legislation, you can contact Jet Bank to request the opening of an account.

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Credit Card Benefits

Flexible credit, full control

A virtual Mastercard in ALL or EUR, designed to give you simple access to credit, transparent costs and full control directly from the Jet Bank app.

Virtual from day one

Apply for and manage your virtual Mastercard in ALL or EUR directly from your phone. You can apply even if you do not have a current account in your chosen card currency.

No issuance or annual fee

Get your virtual credit card with no issuance fee and no annual maintenance fee.

Pay with no payment fees

Make POS and online purchases in Albania and abroad with no payment fees.

Flexible monthly repayments

Pay only the Minimum Payment each month: 5% of outstanding principal plus billed interest and charges. Paying this amount on time avoids late-payment penalties.

Credit that becomes available again

As you repay the principal included in your monthly statement, the corresponding amount becomes available for you to use again.

Full control in the app

Track your spending, adjust transaction limits, and block or unblock your card directly from the Jet Bank app.

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Your virtual credit card, directly in the app

Apply through the app and sign electronically once approved. Then activate your card in the app and set your PIN. Once your PIN is set, your virtual credit card is ready to use.

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No annual maintenance fee

Choose your credit card in ALL or EUR and enjoy zero annual maintenance fees. Manage it easily through the Jet Bank app.

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Shop online with no payment fees

From subscriptions to purchases at your favourite online stores, pay with your Jet Bank credit card wherever Mastercard is accepted, with no payment fees.

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A card that travels with you

Take the flexibility of your credit card on your next trip. Pay at POS terminals outside Albania with no payment fees. Currency conversion terms apply to transactions in a currency other than your card currency.

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Enjoy an interest-free period

Make your purchases and repay your statement balance in full by the payment due date to benefit from the interest-free period, subject to the agreement.

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Security and control in your hands

Track your transactions and amounts due in the app. Adjust transaction limits, manage your PIN, and block or unblock your card directly through the Jet Bank app.

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Key Conditions

Benefits of Jet Business Banking

Jet Business Banking helps you monitor your accounts, make payments and organize how authorized users operate on behalf of your business.

Permissions tailored to your business needs

Jet Bank allows you to define user access based on the roles and authorization levels required by your business.

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Clear separation of roles and permissions

Define who can view accounts and transactions, who can initiate payments and who can approve them. Permissions and limits can be adapted according to your business requirements.

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Approvals that match your structure

Define approval levels and the number of people required to authorize a payment, in line with the way your business is organized.

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Access wherever you are

View your accounts and initiate online payments from the office, home or while travelling.

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Domestic and international payments

Pay suppliers and partners using the payment methods available to your business.

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Your finances in one place

Monitor account balances and transaction history to maintain a clear overview of your business activity.

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Foreign exchange and transparent fees

Transfer funds between eligible accounts in different currencies and view the applicable exchange rate and fee before confirming the transaction.

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Deposits for your business

Place funds that you do not need for day-to-day operations in a term deposit and earn interest according to the terms of the selected product.

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Frequently Asked Questions about Business Accounts

Everything you need to know about Jet Bank Business Banking

Who can open a business account?

Any business registered in accordance with applicable legislation can contact Jet Bank to request the opening of a business account. The bank will inform you about the required documentation and steps. The account is opened after the application has been reviewed and the checks required by applicable legislation and the bank’s procedures have been successfully completed.

Can I open a business account online?

Currently, business accounts are opened by the bank. Once activated, you can use Business Banking services online.

In which currencies can I open a business account?

Business current accounts and term deposits are available in Albanian lek (ALL) and euro (EUR).

How can I receive payments into my business account?

Share the IBAN of your Jet Bank account with clients or partners who will be sending you funds. Incoming payments are processed according to the relevant banking checks and processing times. The bank’s SWIFT code is JETLALTRXXX.

Can I make payments at any time?

Yes. You can access Business Banking and initiate online payments 24/7, wherever you are. You can make payments within Jet Bank, to other banks in Albania and abroad through SEPA Standard, SEPA Instant, or standard and urgent international payments.

SEPA Instant payments can arrive within 10 seconds. For other payments, processing and arrival times depend on the type of payment, execution schedules and the banks involved.

Where can I view my balance and transactions?

In Business Banking, you can view your account balances and transaction history to keep track of your business’s incoming and outgoing funds.

Can I give other people in my company access?

Yes. User access and permissions can be defined according to the roles and payment approval structure established for your business.

Is there a minimum or maximum amount for opening a deposit?

No. There is no specified minimum or maximum amount for a business deposit.

What deposit terms can I choose?

You can choose 1, 3, 6, 12, 24 or 36 months.

Can I close the deposit before maturity?

Yes, you can request its closure according to the bank’s procedures. If you close it before maturity, you forfeit all interest. Any interest previously paid to you will be treated in accordance with the deposit agreement.

Are the funds in business accounts insured?

Eligible business deposits are covered by the Albanian Deposit Insurance Agency up to ALL 2,500,000 per depositor, per bank, subject to the conditions and exclusions established by law. For more information, visit the Albanian Deposit Insurance Agency website.

Need more help?

Reach out to our team anytime.

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Current Account T&CTerm Deposit T&CBusiness Price List
Credit Card Essentials

Everything important, at a glance

Explore what’s free, your everyday transaction limits, and the key rates and fees for your Jet Bank credit card.

Free
Limits
Rates
Setup

Start for free

Apply for the card and get your virtual credit card with no application or issuance fee.

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Maintenance

No annual fee

Annual maintenance is free, and there is also no fee for virtual card replacement.

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Payments

Pay with no fees

POS payments in Albania and abroad, as well as online purchases, with no payment fee.

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App controls

Manage it for free

Set or change your PIN, adjust transaction limits, and block or unblock your card in the app at no cost.

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Online

Online payment limits

Spend up to 200,000 ALL or 2,000 EUR per day, and up to 1,500,000 ALL or 15,000 EUR per month online.

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POS

POS payment limits

Your standard POS limit is 200,000 ALL or 2,000 EUR per day, with a monthly limit of 1,500,000 ALL or 15,000 EUR.

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Contactless

Tap & pay limits

Contactless payments are limited to 5,000 ALL or 50 EUR per transaction, with a daily maximum of 15,000 ALL or 150 EUR.

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ATM

Cash withdrawal limit

You can withdraw up to 10% of your card limit per month at supported ATMs.

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Interest

Standard interest

The standard interest rate is 20% per year.

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Late payment

Late payment rate

Late interest / penalty is charged at 35% per year, according to the applicable terms.

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ATM cash

Withdrawal fee

ATM cash withdrawals are charged at 2%, with a minimum fee of 500 ALL or 5 EUR.

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Balance

Balance inquiry

Checking your balance at an ATM costs 50 ALL or 0.5 EUR, in Albania or abroad.

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