The account “Alpha Payroll” has the characteristics of a current and and as a privileged employee benefits many advantages.

Characteristics
Alpha e-Banking
Additional Benefits
  • Minimum amount to open the account: Not required
  • Currency: LEK, EUR, USD
  • Interest Rate: 0.01% for ALL and USD
  • Interest: credited every month according to the daily balance
  • Account opening fee - No commission
  • Account closing fee: 500 LEK / 4 EUR, USD
  • Account maintaining fee: 100 ALL / 1 EUR/USD
  • Debit Card: no commission for cash withdrawals at the ATM network of Alpha Bank Albania
    • Mastercard, no maintenance fee and issuance fee
    • Enter American Express, free for the first year
  • Automatic Utility Payments option for payment of the utility bills (OSHEE, UKT, Albtelecom, Vodafone and One according to the terms and conditions published in Alpha Bank's premises
  • Standing Order service transfer periodically and automatically a fixed amount from current account
  • Overdraft facility upon client’ payment capacity
  • Outgoing and Incoming Transfers
    • Incoming transfers: No commission for incoming transfers in payroll account

Alpha e-Banking is offered without commission and provides you with the:

  • Summary of the accounts, loans and credit cards monthly statement
  • Accounts statement
  • Account information (balance, blocked and available amount)
  • Term Deposits information (balance, currency, maturity date)
  • Loans Information (loan amount, currency, maturity date, interest)
  • Transfer (payments) within Alpha Bank Albania, for all currencies
  • Transfers (payments) in banks which operating in Albania, for all currencies (applicable commissions as per the terms and conditions published in Alpha Bank's premises)
  • 50% discount for the transfers in foreign currency in other banks in Albania
  • Transfers (payments) for commercial companies that provide utility services (One, Vodafone)
  • Credit Cards payment

Loans:

  • Consumer Loan - 0,50% discount as per the margin offered to standard clients
  • Housing Loan: 0,15% discount as per the margin offered to standard clients and 30% discount on the disbursement fee
  • Loan balance transfer from other banks - No disbursement fee on the transferred loan amount

If the loan’ products have predefined the interest rates and applicable fees for the payroll segment 
the above discounts will not be applicable