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Investments

IBAS, licensed by the Central Bank of Kosovo, provides electronic money issuance, payments, money transfers, credit for payments, and investment advisory services.

Increase the value of your money

At IBAS, our mission is to create value in every solution we deliver - and investments are no exception.
Please select one of the options below to maximize the value of your investment.

IBAS offers two investment options:

  • Invest in IBAS itself. IBAS is the first electronic money institution in the Western Balkans. Unlike most fintechs, IBAS has achieved an average growth of over 138% during the last three years, surpassing even the growth rates of Revolut, Monzo, Starling, N26, Klarna, and many others.
    According to the International Financial Reporting Standards (IFRS), in 2024 IBAS reached its break-even point. IBAS remains open to new investors who want to be part of this success story.

  • Invest in regulated and supervised financial markets. As a financial institution licensed by the Central Bank of Kosovo to provide Investment Advisory, IBAS offers professional investment advisory services and the preparation of tailored investment plans.
    IBAS supports clients hands-in-hands to buy and sell shares and bonds on the world's leading stock exchanges such as NYSE, Nasdaq, London Stock Exchange, Deutsche Börse , and other regulated markets supervised by the respective authorities in the US or Europе.

Invest in Licensed and Supervised Financial Markets

IBAS is a financial institution licensed by the Central Bank of Kosovo as an Investment Advisor in regulated and supervised markets.

What are regulated and supervised markets?

Regulated markets are financial markets where the buying and selling of stocks, bonds, or other financial instruments take place according to rules set by the relevant state authorities and under strict legal supervision. These markets ensure transparency, security, and investor protection.

  • USA: New York Stock Exchange (NYSE) and NASDAQ.
  • Western Europe: Deutsche Börse (Germany), Euronext (France, Netherlands, Belgium, etc.), Borsa Italiana (Italy), Madrid Stock Exchange (Spain), SIX Swiss Exchange (Switzerland), etc.

What exactly does IBAS offer?

  • Professional advice on buying and selling stocks, bonds, and other financial instruments.
  • Assistance in opening an investment account with licensed brokers and IBAS. The account is opened in your personal name, and IBAS does not have access to your accounts.
  • Active management of your portfolio with transparency and responsibility, including continuous advice on adjusting or changing your investment strategy, risk mitigation, and/or profit maximization, depending on market fluctuations.

IBAS Service Fees:

  1. Investment Advisory

    • Fee: 1% annually, minimum €100
    • Includes: profile analysis, investment plan, account opening, reporting, and periodic advice.

  2. Investment Management

    • Fee: 30% of realized profit
    • IBAS earns only when you earn. No additional costs if there is no profit.

  3. Sale of Shares / Advisory and Guidance

    • Fee:1%, minimum €100
    • We take care of procedures, documentation, and accurate execution.

Examples of Stock Growth (last 12 months):

  • NVIDIA: approx. +49%
  • Tesla:approx. +30%
  • Microsoft: approx. +11%
  • Apple, Google, Meta: also recorded significant growth over the past year

Public sources: Yahoo Finance, TradingView. Past performance does not guarantee future results.

How does it work?

  1. Fill out the form below and express your interest.
  2. IBAS experts will contact you for an analysis of your profile and goals.
  3. Open your account with one of the licensed brokers and IBAS for the execution of your investment payments.
  4. Research opportunities, profits, risks, and prepare your investment plan.
  5. Receive guidance throughout the investment process.

If you have decided to invest in regulated and supervised markets, please fill in your details in the form below:



    IBAS – Investment Opportunity

    Notice for Share Offering

    Following a series of successful developments and with a clear direction toward international growth, IBAS (Innovative Banking and Attractive Solutions) has opened the opportunity for the public to invest in IBAS (UK). All investments will be subject to detailed checks regarding the origin and legality of the funds. All investments in IBAS are subject to approvals from the Central Bank of Kosovo.

    Investment Amount:
    Minimum: €5,000 | Maximum: €5,000,000

    I. About IBAS

    IBAS is a financial institution licensed and regulated by the Central Bank of Kosovo (CBK).
    Founded in 2019, IBAS holds licenses for:

    • Issuance of electronic money
    • Domestic and international money transfers
    • Credit granting for payments
    • Investment Advisory Services for financial instruments, such as shares, bonds, and commercial papers in regulated and supervised financial markets.

    Currently, IBAS serves over 50,000 individual clients and cooperates with more than 2,100 businesses across Kosovo. It is the only financial institution operating outside the EU with direct SEPA access, providing British IBANs that enable:

    • Fast money transfers within and from the European Economic Area (EEA).


    II. Market Expansion

    Currently, IBAS operates in the Republic of Kosovo and aims to pilot its unique products and solutions in the third quarter (Q3) of 2026 in the United Kingdom, starting from London. To verify market readiness before expansion, IBAS has contracted Ssavanta.com to conduct an independent and comprehensive study.

    The main results confirmed an exceptionally high acceptance of IBAS’s unique solutions. Specifically, it was found that:

    • 82% of UK businesses found IBAS payment solutions acceptable, and
    • 70% of UK consumers stated they would use IBAS if it were free, while 40% expressed willingness to pay a monthly fee for IBAS solutions.

    Based on these results, it follows that:

    • For UK businesses (5.5 million active companies), 82% (4.51 million) would adopt IBAS, potentially generating £364 million in monthly revenue (€420 million) or £4.37 billion (€5 billion) annually.
    • For UK consumers (55.7 million adults), 40% (22.3 million) would pay between £5–£25.50 per month, translating to around £140 million monthly (€162 million) or £1.68 billion (€1.94 billion) annually.

    These figures confirm a verified UK market potential worth over £6 billion (€7 billion) annually — before the start of IBAS’s expansion phase in the Western Balkans.

    III. Valuation and Performance

    According to IFRS, in 2024 IBAS reached the break-even point, marking an average annual growth rate (2022, 2023, and 2024) of over 138%. This rate surpasses the performance of global financial giants valued in billions, such as Revolut, Monzo, Starling, N26, Klarna, and many others of this caliber.

    A combination of the discounted cash flow (DCF) method and the price-to-earnings (P/E) ratio yields an enterprise valuation of €16.9 million for 2025, with a projected increase up to €1 billion, prior to the planned public listing on the London Stock Exchange or Nasdaq, for which IBAS is working intensively.

    Illustration for potential investors

    (Valuation 2025)

    Based on the current valuation of €16.9 million (2025), an investment of €100,000 corresponds to approximately 0.5917% ownership, calculated as follows:

    €100,000 ÷ €16,900,000 = 0.005917 → 0.5917% of the total shares.

    IV. Long-term Vision

    IBAS aims to evolve from a Kosovar fintech into a pan-European commercial financial and banking ecosystem, connecting over 3.5 million consumers and 500,000 merchants by 2029.

    V. Governance and Compliance

    All investments in IBAS comply with ethical, professional, and regulatory standards, fully aligned with:

    • Regulations of the Central Bank of Kosovo (CBK)
    • EU requirements for AMLD5 and KYC
    • International accounting and transparency standards (IFRS)

    VI. Strategic Plan (2027–2030 and beyond)

    Alongside ongoing work and new achievements in Kosovo, IBAS is implementing a concrete medium-term plan, according to the following phases:

    Phase 1 – United Kingdom (2027–2028)

    Objective: To consolidate IBAS as a trusted brand for financial solutions in the United Kingdom and to secure a strong user base before regional expansion.


    Phase 2 – Expansion in the Western Balkans (2028–2029)

    Objective: Strengthen regional presence and leverage cross-border payments to support the diaspora and SME development.


    Phase 3 – Initial Public Offering (IPO) (2029)

    Objective: Attract global investors and finance the next growth cycle through regional success and transparency.


    Phase 4 – Pan-European and Global Growth (2030 and beyond)

    Objective: Position IBAS as a pan-European fintech hub and cross-border financial ecosystem connecting Europe with global markets.


    VII. Notice on Potential Risks

    Investments in a private company carry a high level of risk. Potential investors should consider at least the following points:

    1. Capital Loss:
      Investments in shares are not guaranteed and may result in the loss of part or all of the invested capital.
    2. Liquidity Risk:
      IBAS shares are not publicly traded at this stage. Despite strong interest from individuals to become part of IBAS, there may be no immediate market or buyer for your shares. Sale may only be possible during future financing rounds, secondary share transfers, or after the company’s IPO.
    3. Ownership Dilution:
      Future financing rounds may reduce your ownership percentage, although these rounds are expected to occur at higher valuations, thus increasing the overall share value, including your shares.
    4. Valuation Risk:
      Company valuations are based on financial projections and market assumptions, which may change due to external or operational factors.
    5. Regulatory and Market Risks:
      Changes in financial regulations, macroeconomic conditions, or market trends may affect IBAS’s performance and revenues, and consequently the overall value.
    6. Forward-Looking Statements:
      Financial projections and growth estimates represent expectations, not guarantees, and may differ significantly from final outcomes.

    VIII. Success and Failure Stories

    The global FinTech industry today represents one of the most dynamic and profitable sectors in the world. Over the past decade, it has produced companies that have multiplied initial investments and transformed the way people manage their finances. Some of the biggest success stories include:

    Stripe, Revolut, PayPal, Nubank, Chime, Klarna, Adyen, Ant Group, Plaid, Rapyd, etc. These companies have built billion-euro valuations and rewarded early investors with returns that surpass any traditional sector. Their common success factors were continuous innovation, security, compliance with international regulations, and customer trust.
    These success stories prove that with a clear strategy, solid structure, and long-term vision, investments in FinTech can turn into sustainable wealth with global impact.

    However, the FinTech industry also holds valuable lessons from failures. Many startups that began with enthusiasm failed to survive due to lack of financial control, poor risk management, or regulatory challenges. Some of the most well-known examples include: Synapse Financial Technologies, Wonga, Ezubao, Frank, Upgrade, Katerra Finance, LendUp, Behalf, Monedo, Simple Bank , etc.
    These companies failed due to weak operational foundations, lack of transparency, and compliance issues, proving that rapid growth without control can lead to significant capital loss.

    Knowing this, IBAS continuously advances its processes, which is precisely one of the reasons why IBAS contracted Savanta.com to conduct a deep and independent market study of IBAS solutions. Nevertheless, potential investors should be aware that this does not constitute a guarantee.

    If you wish to invest, please fill out the form below and our team will contact you as soon as it is received.



      Please upload your identification document (Passport or Identity Card).

      Thank you.
      I/e nderuar,

      The financial amount must be greater than 5,000 euros and less than 500,000 euros.

      Thank you for your understanding.

      Standard Account

      This type of account, in addition to enabling all payments to public institutions, insurance companies, and utility services (such as electricity, water, and waste), as well as applying for loans or overdrafts, also offers the following services:

      0.00€ /month

      Banking services you get from FREE account:

      • British Banking Account Number with access to SEPA (Single European Payment Area)

        Through this account offered by IBAS, you can send money anywhere in the European Economic Area within seconds, regardless of the amount. At the same time, you can receive money from the same area, whether as remittances from your family members living in Europe or payments from your contractors, such as from Shopify, Airbnb, Wise, and many other global platforms.

      • European Electronic Identity from rTrust

        With the electronic signature from rTrust, you can disburse the approved loan or overdraft of up to 5,000 euros without the need to visit offices or meet IBAS staff.

      • Transitional Electronic Wallet (Pass-through eWallet)

        This account allows you to make payments and transfers directly from your bank account without the need to transfer funds to IBAS or top up the wallet in advance.

      Apply

      Plot Account

      This type of account not only allows you to make payments to public institutions and for utility services (such as electricity, water, and waste) and apply for loans or overdrafts but also offers the following services:

      Welcome to PLOT Account – your gateway to a banking experience like never before for only:

      7.99€ /month

      Banking services you get from your PLOT account:

      • IBAS Mastercard (Free of Charge)

        With your IBAS Mastercard, you can make secure ad instant payments worldwide - in stores, online, or at ATMs - directly from your IBAS account.
        This card is issued free of charge and allows you to make payments and withdrawals without any tariffs within Kosovo and abroad. You can also shop online safely and easily, with real-time transaction notifications and full protection under the Mastercard security network.

      • Interest-free loan for making your payments

        If you want to buy now and pay later, this account offers you 500 euros interest-free for three (3) months. If the financed amount is not repaid within three (3) months, the financing converts into an overdraft with interest, according to the payment plan outlined in the contract.

      • European Electronic Identity from rTrust

        With the electronic signature from rTrust, you can disburse the approved loan or overdraft of up to 5,000 euros without the need to visit offices or meet IBAS staff.

      • Transitional Electronic Wallet (Pass-through eWallet)

        This account allows you to make payments and transfers directly from your bank account without the need to transfer funds to IBAS or top up the wallet in advance.

      Apply

      Integra Account

      This account is dedicated to families living in Kosovo who have relatives in the diaspora, particularly in the European Union Economic Zone. In addition to the ability to make payments to public institutions and utility services (such as electricity, water, and waste), as well as apply for loans or support, it also offers the following services:

      Step into the INTEGRA Account – your gateway to an unparalleled banking experience for only:

      14.99€ /month

      Banking services you get from your INTEGRA account:

      • British Banking Account Number with access to SEPA (Single European Payment Area)

        Through this account offered by IBAS, you can send money anywhere in the European Economic Area within seconds, regardless of the amount. At the same time, you can receive money from the same area, whether as remittances from your family members living in Europe or as payments from your contractors through platforms like Shopify, Airbnb, Wise, and many others. This account also offers you three (3) free SEPA transfers each month.

      • Loan for payments with a guarantor from the Diaspora

        You can obtain a loan of up to 1,000 euros with a repayment term of up to 12 months to cover your payments, regardless of whether you are employed, unemployed, or elderly. This option ensures that you have funds available even when your relatives are unable to send you money at the time you need it. You will only pay interest on the amount you utilize beyond one (1) month.

      • IBAS Mastercard (Free of Charge)

        With your IBAS Mastercard, you can make secure ad instant payments worldwide - in stores, online, or at ATMs - directly from your IBAS account.
        This card is issued free of charge and allows you to make payments and withdrawals without any tariffs within Kosovo and abroad. You can also shop online safely and easily, with real-time transaction notifications and full protection under the Mastercard security network.

      • Hospital health insurance coverage up to 25,000 euros

        As the account holder of the Family Care account, you automatically receive a Health Insurance Policy for hospital (private) treatment worth up to 25,000 euros.

        Hospital services covered by Health Insurance in Kosovo Coverage
        Insured Amount 25,000€
        Coverage Area Kosovo and Albania
        Benefits in case of hospitalization +
        The benefits of outpatient treatments after hospital discharge+
        Other benefits +
        Attention: Chronic illnesses and individuals over 65 years of age are excluded.
      • European Electronic Identity from rTrust

        With the electronic signature from rTrust, you can disburse the approved loan or overdraft of up to 5,000 euros without the need to visit offices or meet IBAS staff.

      • Transitional Electronic Wallet (Pass-through eWallet)

        This account allows you to make payments and transfers directly from your bank account without the need to transfer funds to IBAS or top up the wallet in advance.

      Apply

      Premium Account

      This type of account, in addition to providing the ability to make payments to public institutions and utility services (such as electricity, water, and waste), as well as applying for loans or overdrafts, also offers the following services:

      Enter the world of the PREMIUM Account – your exclusive gateway to an unmatched banking experience, for only:

      9.99€ /mo

      Banking services you get from your PREMIUM account:

      • British Banking Account Number with access to SEPA (Single European Payment Area)

        Through this account offered by IBAS, you can send money anywhere in the European Economic Area within seconds, regardless of the amount. At the same time, you can receive money from the same area, whether as remittances from your family members living in Europe or as payments from your contractors via platforms such as Shopify, Airbnb, Wise, and many others. This account also provides you with two (2) free SEPA transfers each month.

      • Interest-free credit for making your payments

        If you wish to buy now and pay later, this account offers you €750 interest-free for three (3) months. You will only pay interest on the amount you keep in use beyond three (3) months.

      • IBAS Mastercard (Free of Charge)

        With your IBAS Mastercard, you can make secure ad instant payments worldwide - in stores, online, or at ATMs - directly from your IBAS account.
        This card is issued free of charge and allows you to make payments and withdrawals without any tariffs within Kosovo and abroad. You can also shop online safely and easily, with real-time transaction notifications and full protection under the Mastercard security network.

      • European Electronic Identity from rTrust

        With the electronic signature from rTrust, you can disburse the approved loan or overdraft of up to 5,000 euros without the need to visit offices or meet IBAS staff.

      • Transitional Electronic Wallet (Pass-through eWallet)

        This account allows you to make payments and transfers directly from your bank account without the need to transfer funds to IBAS or top up the wallet in advance.

      Apply

      Thank you for choosing IBAS for your banking needs!

      We're thrilled to welcome you on board. In compliance with regulatory requirements, we kindly request you to download our app and commence the KYC/KYB process, which is a legal prerequisite for opening a banking account.

      The process is straightforward and comes with the necessary guidance.

      Experience Innovative Banking and Attractive Solutions (IBAS) to the fullest!

      Choose the store for downloading the application.

      Dear applicant,

      We are happy to inform you that you applied successfully. Our team will contact you soon and will let you know for the next steps.

      I/E nderuar,

      Jemi të lumtur t'ju informojmë se keni aplikuar me sukses. Ekipi ynë do t'ju kontaktojë së shpejti dhe do t'ju njoftojë për hapat e ardhshëm.

      We regret to inform you that your application was not successful. This outcome could be attributed to technical issues or internet interruptions. We encourage you to consider reapplying at a later time. Until the issue is resolved, please contact us through Facebook, Instagram, in our app, or call us at 038600300. Thank you for right understanding.

      Me keqardhje ju informojmë se aplikimi juaj nuk ishte i suksesshëm. Ky rezultat mund t'i atribuohet çështjeve teknike ose ndërprerjeve të internetit. Ne ju inkurajojmë të konsideroni riaplikimin në një kohë të mëvonshme. Deri sa të zgjidhet çështja, ju lutemi na kontaktoni përmes Facebook-ut, Instagram-it, në aplikacionin tonë, ose na telefononi në 038600300. Faleminderit për mirëkuptimin tuaj.

      Vielen Dank, dass Sie uns kontaktiert haben. Wir werden uns bald mit Ihnen in Verbindung setzen und Ihnen die notwendige Unterstützung bieten. Mit freundlichen Grüßen, Das IBAS-Team

      Etwas ist schiefgelaufen beim Senden der E-Mail. Bitte versuchen Sie es erneut.

      Llogaria Standard

      Kjo lloj llogarie, përveç se mundëson të gjitha pagesat ndaj institucioneve publike, kompanive të sigurimeve dhe shërbimeve utilitare (si rryma, ujë dhe mbeturina), si dhe aplikimin për kredi ose overdraft, ofron edhe shërbimet në vijim:

      0.00€ /muaj

      Shërbimet bankare që i merrni nga llogaria FALAS:

      • Numër llogarie bankare britanike me qasje në SEPA (Zona e Vetme e Pagesave Evropiane)

        Përmes kësaj llogarie të ofruar nga IBAS, mund të dërgoni para kudo në Zonën Ekonomike Evropiane brenda sekondash, pavarësisht shumës. Në të njëjtën kohë, mund të pranoni para nga i njëjti rajon, qoftë si dërgesa nga familjarët tuaj që jetojnë në Evropë, qoftë si pagesa nga bashkëpunëtorët tuaj, si p.sh. nga Shopify, Airbnb, Wise dhe shumë platforma të tjera globale.

      • Identitet Elektronik Evropian nga rTrust

        Me nënshkrimin elektronik nga rTrust, mund të tërhiqni kredinë ose overdraftin e aprovuar deri në 5,000 euro pa nevojë të vizitoni zyrat apo të takoni stafin e IBAS-it.

      • Portofol Elektronik Transit (Pass-through eWallet)

        Kjo llogari ju mundëson të kryeni pagesa dhe transfere drejtpërdrejt nga llogaria juaj bankare pa pasur nevojë të transferoni mjete në IBAS apo ta mbushni paraprakisht portofolin.

      Apliko

      Llogaria PLOT

      Kjo lloj llogarie jo vetëm që ju lejon të kryeni pagesa ndaj institucioneve publike dhe për shërbime utilitare (si rryma, ujë dhe mbeturina) dhe të aplikoni për kredi ose overdraft, por ofron edhe shërbimet e mëposhtme:

      Mirë se vini në Llogarinë PLOT – porta juaj drejt një përvoje bankare si asnjëherë më parë, vetëm për:

      7.99€ /muaj

      Shërbimet bankare që i merrni nga llogaria juaj PLOT:

      • IBAS Mastercard (Pa Pagesë)

        Me kartën tuaj IBAS Mastercard, mund të bëni pagesa të sigurta dhe të menjëhershme kudo në botë – në dyqane, online ose në bankomate – drejtpërdrejt nga llogaria juaj IBAS.
        Kjo kartë lëshohet pa pagesë dhe ju mundëson pagesa dhe tërheqje pa asnjë tarifë brenda Kosovës dhe jashtë saj. Po ashtu mund të blini online në mënyrë të sigurt dhe të lehtë, me njoftime transaksionesh në kohë reale dhe mbrojtje të plotë në kuadër të rrjetit të sigurisë së Mastercard.

      • Kredi pa interes për kryerjen e pagesave tuaja

        Nëse dëshironi të blini tani dhe të paguani më vonë, kjo llogari ju ofron 500 euro pa interes për tre (3) muaj. Nëse shuma e financuar nuk shlyhet brenda tre (3) muajve, financimi shndërrohet në overdraft me interes, sipas planit të pagesës të përcaktuar në kontratë.

      • Identitet Elektronik Evropian nga rTrust

        Me nënshkrimin elektronik nga rTrust, mund të tërhiqni kredinë ose overdraftin e aprovuar deri në 5,000 euro pa nevojë të vizitoni zyrat apo të takoni stafin e IBAS-it.

      • Portofol Elektronik Transit (Pass-through eWallet)

        Kjo llogari ju mundëson të kryeni pagesa dhe transfere drejtpërdrejt nga llogaria juaj bankare pa pasur nevojë të transferoni mjete në IBAS apo ta mbushni paraprakisht portofolin.

      Apliko

      Llogaria Integra

      Kjo llogari i dedikohet familjeve që jetojnë në Kosovë dhe kanë të afërm në diasporë, veçanërisht në Zonën Ekonomike të Bashkimit Evropian. Përveç mundësisë për të kryer pagesa ndaj institucioneve publike dhe shërbimeve utilitare (si rryma, ujë dhe mbeturina), si dhe aplikimit për kredi ose përkrahje, ofron edhe shërbimet e mëposhtme:

      Hyni në Llogarinë INTEGRA – porta juaj drejt një përvoje bankare të pakrahasueshme, vetëm për:

      14.99€ /muaj

      Shërbimet bankare që i merrni nga llogaria juaj INTEGRA:

      • Numër llogarie bankare britanike me qasje në SEPA (Zona e Vetme e Pagesave Evropiane)

        Përmes kësaj llogarie të ofruar nga IBAS, mund të dërgoni para kudo në Zonën Ekonomike Evropiane brenda sekondash, pavarësisht shumës. Në të njëjtën kohë, mund të pranoni para nga i njëjti rajon, qoftë si dërgesa nga familjarët tuaj që jetojnë në Evropë, qoftë si pagesa nga bashkëpunëtorët tuaj përmes platformave si Shopify, Airbnb, Wise dhe shumë të tjera. Kjo llogari ju ofron gjithashtu tre (3) transfere SEPA falas çdo muaj.

      • Kredi për pagesa me garantues nga Diaspora

        Mund të merrni kredi deri në 1,000 euro me afat shlyerjeje deri në 12 muaj për të mbuluar pagesat tuaja, pavarësisht nëse jeni të punësuar, të papunë apo të moshuar. Kjo mundësi siguron që të keni mjete në dispozicion edhe kur të afërmit tuaj nuk mund t’ju dërgojnë para në momentin që ju duhen. Ju paguani interes vetëm për shumën që përdorni përtej një (1) muaji.

      • Mbulesë sigurimi shëndetësor spitalor deri në 25,000 euro

        Si mbajtës i llogarisë Family Care, automatikisht përfitoni një Policë të Sigurimit Shëndetësor për trajtim spitalor (privat) në vlerë deri në 25,000 euro.

        Shërbimet spitalore të mbuluara nga Sigurimi Shëndetësor në Kosovë Mbulesa
        Shuma e siguruar 25,000€
        Zona e mbulimit Kosovë dhe Shqipëri
        Përfitimet në rast hospitalizimi +
        Përfitimet e trajtimeve ambulatore pas daljes nga spitali +
        Përfitime të tjera +
        Vëmendje: Sëmundjet kronike dhe personat mbi 65 vjeç përjashtohen.
      • Identitet Elektronik Evropian nga rTrust

        Me nënshkrimin elektronik nga rTrust, mund të tërhiqni kredinë ose overdraftin e aprovuar deri në 5,000 euro pa nevojë të vizitoni zyrat apo të takoni stafin e IBAS-it.

      • Portofol Elektronik Transit (Pass-through eWallet)

        Kjo llogari ju mundëson të kryeni pagesa dhe transfere drejtpërdrejt nga llogaria juaj bankare pa pasur nevojë të transferoni mjete në IBAS apo ta mbushni paraprakisht portofolin.

      Apliko

      Llogaria Premium

      Kjo lloj llogarie, përveç se mundëson kryerjen e pagesave ndaj institucioneve publike dhe shërbimeve utilitare (si rryma, ujë dhe mbeturina), si dhe aplikimin për kredi ose overdraft, ofron edhe shërbimet e mëposhtme:

      Hyni në botën e Llogarisë PREMIUM – porta juaj ekskluzive drejt një përvoje bankare të pakrahasueshme, vetëm për:

      9.99€ /muaj

      Shërbimet bankare që i merrni nga llogaria juaj PREMIUM:

      • Numër llogarie bankare britanike me qasje në SEPA (Zona e Vetme e Pagesave Evropiane)

        Përmes kësaj llogarie të ofruar nga IBAS, mund të dërgoni para kudo në Zonën Ekonomike Evropiane brenda sekondash, pavarësisht shumës. Në të njëjtën kohë, mund të pranoni para nga i njëjti rajon, qoftë si dërgesa nga familjarët tuaj që jetojnë në Evropë, qoftë si pagesa nga bashkëpunëtorët tuaj përmes platformave si Shopify, Airbnb, Wise dhe shumë të tjera. Kjo llogari ju ofron gjithashtu dy (2) transfere SEPA falas çdo muaj.

      • Kredi pa interes për kryerjen e pagesave tuaja

        Nëse dëshironi të blini tani dhe të paguani më vonë, kjo llogari ju ofron 750€ pa interes për tre (3) muaj. Ju paguani interes vetëm për shumën që e mbani në përdorim përtej tre (3) muajve.

      • Identitet Elektronik Evropian nga rTrust

        Me nënshkrimin elektronik nga rTrust, mund të tërhiqni kredinë ose overdraftin e aprovuar deri në 5,000 euro pa nevojë të vizitoni zyrat apo të takoni stafin e IBAS-it.

      • Portofol Elektronik Transit (Pass-through eWallet)

        Kjo llogari ju mundëson të kryeni pagesa dhe transfere drejtpërdrejt nga llogaria juaj bankare pa pasur nevojë të transferoni mjete në IBAS apo ta mbushni paraprakisht portofolin.

      Apliko

      Faleminderit që zgjodhët IBAS për nevojat tuaja bankare!

      Jemi të lumtur t’ju mirëpresim. Në përputhje me kërkesat rregullative, ju lutemi të shkarkoni aplikacionin tonë dhe të filloni procesin KYC/KYB, i cili është kërkesë ligjore për hapjen e një llogarie bankare.

      Procesi është i thjeshtë dhe vjen me udhëzimet e nevojshme.

      Përjetoni në maksimum IBAS – Banking Inovativ dhe Zgjidhje tërheqëse!

      Zgjidhni dyqanin për të shkarkuar aplikacionin.