If you are iOS (Apple) user go to Apple Store or if you are Android user go to Play Store and write IBAS by search bar. Than click Get or Install.
Once IBAS is downloaded it will start installation automatically and from time to time you need to give proper commands and authorizations. For opening account you need a genuine phone number where we will send you unique authentication and verification code, through SMS.
You should upload an ID prove, an invoice where your address is shown and a selfie for individual account or business certificate and authorisation proof. Than authorised team by IBAS will activate your account after necessary verification.
IBAS operates independently from banks, but also cooperates closely with them.
No. IBAS doesn’t have access to clients’ bank account history.
You can withdraw money from our ATMs located all over Kosovo, you can transfer your money to your bank account at anytime and use bank services to withdraw the money or at any IBAS’s authorized partner across Kosovo.
IBAS offers a long list of services and most of them are free of charge. However, before each transaction you will be notified if there is any fee. If fees are not acceptable, there is an option to cancel the transaction.
All you need to have is an IBAS account number and the sender should address its intended transfer onto your IBAS account number, which is your mobile phone number.
If you need to pay an invoice or a utility bill, you need to write the number of the bill or scan the bill. If you’re shopping and you need to pay in a shop, you can scan-to-pay or tap-to-pay and in a few seconds the payment will be complete.
Some of services are available even in offline mode. However, we’re working to enable it in all services.
In this case you should contact billi issuer, directly.
You should contact us by phone
After explicitly confirming the payment to IBAS there is no way to cancel it. However, all payees are obliged to return any payments, which were made by mistake or do not belong to them. If there is such a case, you as a payer should contact payee directly and ask them to return the payment.
Yes. In this case, due to SMS swapping frauds you need to come physically to IBAS office and ask for changing your mobile number and prove your identity.
There are many ways to add funds to your IBAS eWallet: through getting paid from employers or contractors, through your bank (eBanking, mBanking or physically at your bank), through IBAS app, respectively Visa, Master or Maestro credit cards which are coming soon, or directly at IBAS office.
Yes. You can use IBAS even without having a bank account.
Yes. IBAS holds PCI DSS certification by self evaluation and is implemented in accordance with EU PSD v.2 (European Union Payment Services Directive) version 2 and each data are encrypted.