Raiffeisen Bank Albania review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Raiffeisen Bank Albania suits borrowers with verifiable income in Albania who want one lender for personal loans, a credit line and secured borrowing. The personal loan APR of 11.57% sits below the site median of 12%, but an origination fee of 2.5% to 3% of the loan amount raises the cost of every new arrangement.

Key facts

Best for
Salaried residents of Albania wanting a personal loan or credit line from the same bank.
APR
11.57% (Source, checked September 26, 2026)
Loan amount
up to ALL 3,000,000 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Arrangement fee
2.5% of the loan amount under the standard insurance package, 3% of the loan amount under the extra package (Source, checked September 26, 2026)
Representative example
1,000,000 lekë over 10 years, first-year interest 2.5% + 8.4% = 10.9% with NEI 11.57%, first-year monthly instalment 13,717.89 lekë, total payable 1,646,146.99 lekë (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Resident of Albania with verifiable income, employed at a state or private institution in Albania (Source, checked September 26, 2026)
Origination fee (%)
2.5% to 3% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Raiffeisen Bank Albania Sh.a (Source, checked September 26, 2026)
Headquarters
Albania (Source, checked September 26, 2026)
Founded
2004 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
raiffeisen.al

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • APR of 11.57% on personal loans, under the site median of 12%
  • Free early repayment, so settling the balance early carries no extra charge
  • Support runs on phone, email and help centre for questions before and after applying

Cons

  • Origination fees of 2.5% to 3% of the loan amount on personal loans, and the extra insurance package costs more
  • The rate type is variable, so the interest rate can move over the life of the loan
  • Borrowing is limited to residents of Albania with verifiable income from a state or private institution in Albania
Raiffeisen Bank Albania

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Residents of Albania with verifiable income from a state or private institution in Albania
  • Borrowers planning home improvement work who want a personal loan, a credit line and a secured loan from one bank
  • Anyone who expects to settle a loan early and wants that at no extra cost

Who should look elsewhere

  • Borrowers looking for a fixed rate, since the personal loan rate type is variable
  • Monzo Flex, which quotes personal loan rates of 10% to 23% across its range
  • Cashspace ES, listed at 0%

The company behind it

Raiffeisen Bank Albania Sh.a lends directly from Albania, where it has operated since 2004, and it is a direct lender rather than a broker or marketplace. The same institution offers personal loans, a credit line and secured lending, so a borrower can stay with one bank across product types. Questions before and after an application go through phone, email and help centre.

How Raiffeisen Bank Albania compares

Where Raiffeisen Bank Albania is available

Available
Albania

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Raiffeisen Bank Albania charge on a personal loan?+

The personal loan carries an APR of 11.57%, which the representative example ties to a first-year interest charge. The rate type is variable, so the figure is not guaranteed for the whole term. Origination fees of 2.5% to 3% of the loan amount sit on top of the interest.

What does a personal loan cost to arrange?+

Arrangement fees are 2.5% to 3% of the loan amount. The standard insurance package carries the lower end of that range and the extra package the higher, so the choice of insurance moves the fee. Both packages are priced on the personal loan product.

Who can apply for these loans?+

Applicants must live in Albania and have income the bank can verify, earned at a state or private employer in Albania. That test shapes both the personal loan and the credit line, since one lender issues them. Income from self employment alone falls short of the stated criteria.

Can I repay a loan early without a charge?+

Early repayment is free, so clearing the balance before the end of the term does not add a fee. That is useful for a borrower whose income rises or whose project finishes ahead of schedule. Support runs on phone, email and help centre for questions on the process.

How do I get in touch with the bank?+

Support runs on phone, email and help centre. That means a phone line, an email address and a help centre, covering questions about eligibility, fees and repayment. The bank lends from its base in Albania rather than through a broker or marketplace.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time.

Raiffeisen Bank Albania

Raiffeisen Bank Albania

Salaried residents of Albania wanting a personal loan or credit line from the same bank.

9.0/10See alternatives

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