Transfers & Payments


The transfer means the transfer of money from a customer of UBA Bank to an individual who has another open account at UBA Bank, or at any another bank within or outside Albania.


  • OUTGOING MONEY TRANSFERS

    Outgoing money transfer includes transferring money from a client who has an open bank account at UBA Bank to another client who has an open bank account in another bank.

    Types of outgoing money transfers:

    1. National: Are considered all transfers performed in the local currency;

    2. International: Are considered all transfers performed in foreign currency.

    The information and necessary documents that the sender of the money must present to the bank to perform the outgoing transfer is as follows:

    1. Name, Surname and the valid ID document of the money sender;

    2. Account Number from which the monies will be transferred;

    3. The exact amount of money;

    4. Name, Surname of the Beneficiary;

    5. Exact Address of the Beneficiary;

    6. Name, Surname of the beneficiary at its bank;

    7. IBAN code of the account number of the beneficiary (if applied);

    8. Name and SWIFT Code of the beneficiary Bank;

    9. Correspondent Bank (if the sending individual has this additional information);

    10. Purpose of the payment;

    11. If necessary, other justifying documents are required based also on the regulation of the Bank of Albania “On foreign exchange activities”.

    The following are the options with regard commissions on the transfers:

    • The sending client always pays commissions “OUR”;

    • The sending client pays always the commissions of the sending bank, and the beneficiary pays the commissions set of the beneficiary bank and of the correspondent bank Sh.A;

    • The beneficiary client pays all “BEN” commissions.

    INCOMING TRANSFERS

    Incoming banking transfer means money transferring from a client that has an open account at another bank (within or outside the country), at another client that has an open account at UBA Bank.

    Types of incoming transfers:

    1. National: Are considered all transfers performed in the local currency;

    2. International: Are considered all transfers performed in foreign currency.

    Companies or individuals that might want to execute such a transfer must have the following necessary information:

    1. Beneficiary name: Name of the account as it is registered in the Bank;

    2. Beneficiary account: Account Number as it is registered in the Bank;

    3. Beneficiary Bank (The Bank where you have the account): United Bank of Albania;

    4. Bank’s Beneficiary SWIFT Code: AAISALTR

    5. Beneficiary IBAN Code (the international account number of the bank, aiming to identify a certain client account).

  • Become a client of UBA Bank, and you can easily perform your monthly utility invoice payments such as for the water supply invoice, electricity invoices, fixed and mobile telephony etc.

    The following are representing the ways to perform at UBA Bank, the utility monthly payments:

    -        Cash. You may perform your monthly invoice payments by being physical present at any of UBA Bank branches and/or agencies;

    -        Through your current account. You may perform your monthly invoice payments by being physical present at any of UBA Bank branches and/or agencies;

    -        These payments can be performed by individuals and businesses, too.

    If you would like to have additional information, we kindly invite you to contact our customer relationship officer of your nearest UBA branch and/or agency.

Cheques

Cheques are used to settle various individual payments.

Banking Cheque

It is a rapid payment instrument, which according to the agreement settled between the banks can be ​​available from the beneficiary bank within the day that it is issued (when the case of payment to cheque is in LEK (ALL) ), or against payment from the correspondent bank (in case it is issued in foreign currency). This type of cheque is issued by the bank according to authorized signatures specified and according to limits set; and is also guaranteed for the availability to ordering account.

Personal Cheque

This type of cheque is issued for the clients who have an open current account at UBA Bank, and is used from its remitter to perform liquidations against its suppliers and other third parties.

These cheque have always to bear the signature and stamp of the ordering account.

 

 

Tarif of Prices

Dear customers of UBA Bank, for transparency and attention to you, we are kindly inviting you to find out more of our Tariff of Prices currently in force:

  • UBA’s List of Products, Services & Prices for Individuals (Download)
  • General Conditions (Download)

Financings


Benefit from the best UBA Bank offers, to have everything you want.

We are pleased to inform that recently United Bank of Albania (UBA Bank) has launched new financing products, tailored to its individual clients.

We are aware that your financial needs fluctuate over time, and often are unpredictable. The following are representing UBA's individual financial products that will give you immediate and sustainable solutions to your needs.


  • Are you having UNEXPECTED EXPENSES?

    UBA BANK offers you easy access to additional funds, thanks to its "Overdraft" financing product, with preferential conditions as below:
     
    Main condition:         
    -    Regular monthly income, over current account.
     
    Currency: 
    -    LEK, EURO.
     
    Maximum amount: 
    -    Up to three (3) monthly salaries per employee.
     
    Approval time: 
    -    At the request of the client, overdraft will be available within 24 hours.
     
    Overdraft extension: 
    -    The bank will automatically approve a new overdraft after 12 months, under regular account inflow.
     
    Who can benefit? 
    -    Every customer who receives the salary at UBA’s current account.
     
    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you! 

    Individual Financing Application Form

     
  • UBA FINANCING FOR CONSUMER NEEDS

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:
     Purchase of electronic equipment’s, furniture’s etc.

    Maximal amount:
    EUR 7,500/USD 7,500/LEK 1,000,000.

    Maturity:
    Up to 5 years.

    Benefits:
    -    Convenient profit rates;
    -    Express application processing procedure;
    -    1% discount in cases of regular repayment estimated during the whole maturity period.

    Documentation required:
    -    ID for the client and the guarantor;
    -    Updated family certificate (of the last 3 months);
    -    Statement of incomes for the client and the guarantor;
    -    Copy of the electricity booklet;
    -    Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form

     

  • UBA CASH COLLATERAL FINANCING

    Accomplish your immediate and/or unexpected needs!

    Qellimi i ketij produkti konsiston ne ofrimin e nje financimi afat shkurter ose afatmesem, i disponueshem per te gjithe klientet e UBA Bank, te cilet zoterojne Llogari Depozite me Afat, e cila do te perdoret si kolateral ne momentin e financimit per nevojat e tyre imediate dhe/ose te paparashikuara.

    Main features:

    Profit rate:
    -    2% over the Wakala Time Deposit account.

    Maturity:
    -    Up to 5 years.

    Cases when the financing is in different currencies than of the deposit:
    -   for the same currency, the deposit should be 110% of the financing amount;
    -   for different currency, the deposit should be 125% of the financing amount.

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising.

    We’d love to hear from you!

    Individual Financing Application Form

  • UBA HOME PURCHASE FINANCING/BUY OUT OF HOME PURCHASE FINANCING

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:
           -        Purchase, construction or re-construction of home;
           -       Buy Out of Home Purchase loan from other banks.

    Maximal amount:
    -        EUR 150,000/USD 150,000/LEK 20,000,000.
    Maturity:   
    -        Up to 15 years.

    Bank participation:
          -    Up to 90% of the home value.

    Buy-Out:
    UBA Bank will consider applications where the required financing concerning remaining outstanding of the client at other banks, will comprise minimum 70 % of the original financing.

    Benefits:
    -        Convenient profit rates;
    -        Partnership financing;
    -        Express application processing procedure;
    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:
    -        ID for the client and the guarantor;
    -        Updated family certificate (of the last 3 months);         
    -        Statement of incomes for the client and the guarantor;
    -        Fresh certificate of ownership for the collateral, with the lay out and the map of property; and verification document proving that the property is free from any obligation;
    -        Documents about the property which will be purchased;
    -        Copy of the electricity booklet; 
    -        Other documents required by the legislation in power.
    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form 

  • UBA HOME REMODELING FINANCING/BUY OUT OF HOME REMODELING FINANCING

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:
    -        Home remodeling;
    -        Buy Out of Home Remodeling loan from other banks.

    Maximal amount:
                -       EUR 35,000/USD 35,000/LEK 5,000,000.

    Maturity:  
    -        Up to 10 years.

    Bank participation:
           -    Up to 90% of the home value.

    Buy-Out:
    UBA Bank will consider applications where the required financing concerning remaining outstanding of the client at other banks, will comprise minimum 70 % of the original financing.

    Benefits:
    -        Convenient profit rates;
    -        Partnership financing;
    -        Express application processing procedure;
    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:
    -        ID for the client and the guarantor;
    -        Updated family certificate (of the last 3 months);         
    -        Statement of incomes for the client and the guarantor;
    -        Fresh certificate of ownership for the collateral, with the lay out and the map of property; and verification document proving that the property is free from any obligation; 
    -        Documents about the property which will be purchased/ renovated/built;
    -        Copy of the electricity booklet;
    -        Cost projection for the realization of the predictable works;
    -        Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form 

  • UBA MORTGAGE FINANCING

    Accomplish your needs, with the latest individual financing product delivered by UBA Bank.

    You may apply for:

    Purpose:

    -        Purchase of an apartment, villa or land;

    -        Re-construction of an existing property;

    -        Payment of various liabilities.

    Maximal amount:      

    -        EUR 150,000/USD 150,000/LEK 20,000,000.

    Maturity:  

    -        Up to 15 years.

    Bank participation:

           -    Up to 90% of the home value.

    Benefits:

    -        Convenient profit rates;

    -        Partnership financing

    -        Express application processing procedure;

    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:

    -        ID for the client and the guarantor;

    -        Updated family certificate (of the last 3 months);         

    -        Statement of incomes for the client and the guarantor;

    -        Fresh certificate of ownership for the collateral, with the lay out and the map of property; and verification document proving that the property is free from any obligation;

    -        Documents about the property which will be purchased, reconstructed, remodeled;

    -        Copy of the electricity booklet;

    -        Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form 

  • UBA CAR PURCHASE FINANCING

    You may apply for:

    Purpose:
           -    Purchase of new or used car.

    Maximal amount:      
    -        EUR 35,000/USD 35,000/LEK 5,000,000.

    Maturity:  
    -        Up to 5 years.

    Client participation:
           -        Minimum of 20%. 

    Benefits:
    -        Convenient profit rates;
    -        Partnership financing
    -        Express application processing procedure;
    -        1% discount in cases of regular repayment, covering the whole maturity period.

    Documentation required:
    -        ID for the client and the guarantor;
    -        Updated family certificate (of the last 3 months);         
    -        Statement of incomes for the client and the guarantor;
    -        Documents about the property which will be purchased;
    -        Copy of the electricity booklet;
    -        Offer for purchasing the car;
    -        Copy of libret circulation;
    -        Other documents required by the legislation in power.

    Note: UBA Bank have the right to require to the client additional documents, considered as necessary to further evaluate the client’s case.   

    Call, e-mail, or visit us in any of our nearest branch and/or agency, to get more information and custom financial advising,

    We’d love to hear from you!

    Individual Financing Application Form

     

     

Address

Adress: Rr. “Dritan Hoxha”,
Nd. 11, H. 3, Njesia Bashkiake Nr.7,
Postal Code 1023, PO Box 128,
Tirana,
E-mail: hr@uba.com.al

Contact Us

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