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Category: Blog

Why Investing in Digital Financial Services is a Winning Strategy

The fintech revolution has transformed the financial sector, creating unparalleled investment opportunities in digital banking and financial services. Investors who recognized the potential early have seen remarkable returns, particularly in markets with strong regulatory frameworks and rapid digital adoption. As financial services continue to shift towards mobile-first, AI-driven, and frictionless experiences, fintech banking service providers […]

Kudo, nga kudo!

IBAS është institucioni financiar me zgjidhjet më atraktive dhe më konkurruese për pagesat digjitale. Një prej mundësive të fundit që IBAS ka sjellur, është dergesa e parave deri në derë të shtëpisë. Koha kur pranuesi parave duhej ta vizitojë një kioskë të vogël, ku, jo rrallëherë, në mesin e shërbimeve financiare ofrohet servisim i celularëve, […]

IBAS përmbyll edhe një vit tjetër të suksesshëm!

Gjatë vitit 2024, IBAS ka vazhduar të ofrojë shërbime financiare inovative që kanë transformuar mënyrën se si individët dhe bizneset menaxhojnë financat e tyre. Me një fokus të lartë në teknologjinë moderne dhe digjitalizimin e shërbimeve financiare, IBAS u ka mundësuar klientëve të tij të përfitojnë nga shërbime të shpejta, të sigurta dhe të personalizuara, […]

Pse festat e fundvitit marrin tjetër kuptim me IBAS?

Festat e fundvitit janë një periudhë e veçantë, e mbushur me gëzim, dhurata dhe momente të bukura me të dashurit. Megjithatë, për shumë njerëz, buxheti mund të jetë një pengesë për realizimin e dëshirave festive. Këtu vjen në ndihmë “Kredi për Partnerë” nga IBAS, që ofron mundësinë të shfrytëzoni financime të shpejta dhe fleksibile për […]

Refero dhe Fito me IBAS – Si të përfitosh shpërblime duke ndihmuar të tjerët

IBAS ofron një mundësi të jashtëzakonshme për të përfituar shpërblime për çdo referim. Programi është shumë i thjeshtë: ndihmo miqtë dhe familjarët të regjistrohen në IBAS dhe për çdo klient të ri që regjistrohet përmes teje, do të fitosh shpërblime. Sa më shumë njerëz të referosh, aq më shumë mund të fitosh, me shpërblime që […]

IBAS po ta çelë një derë magjike për festat e fundvitit.

Në këtë sezon festiv, IBAS sjell mundësinë e shkëlqyer për t’ju dhuruar një ndihmë financiare për realizimin e dëshirave tuaja këtë fundvit. Kampanja e fundvitit nga IBAS ka për qëllim të inkurajojë klientët ekzistues dhe ata potencialë të aplikojnë për kredi për të blerë dhurata tek partnerët, duke i ndihmuar ata të bëjnë festat më […]

Pa Pare, Pa Kartelë – Me IBAS Çelë Çdo Derë!

A keni dëshiruar ndonjëherë të blini teknologji të re, të shfrytëzoni mundësi turistike apo të bleni pajisje elektroteknike, por keni pasur frikë nga shpenzimet e panevojshme administrative? Me kampanjën “Pa Pare, Pa Kartelë – Me IBAS Çelë Çdo Derë”, ky është momenti ideal për të blerë dhe bërë ato që gjithmonë keni ëndërruar! Merrni kredi […]

Kampanja 10/10/10/10: Mundësia për të fituar përjetë!

A dëshiron të kesh telefonin më të ri? Kampanja 10/10/10/10 e IBAS është këtu dhe po sjell mundësinë e pabesueshme për të fituar nga një Iphone 16 Pro Max çdo muaj! Po, e lexuat mirë! 10 Iphone 16 Pro Max do të shpërndahen gjatë 10 muajve të ardhshëm nga IBAS, dhe ju mund të jeni […]

IBAS po ndihmon DYQANET të menaxhojnë fluksin e parave gjatë sezonit të festave!

Me afrimin e sezonit të festave, shitësit me pakicë në mbarë Kosovën po përgatiten për një rritje të kërkesës. Shitjet e Black Friday dhe të Krishtlindjeve pritet të sjellin një rritje të konsiderueshme të transaksioneve. Megjithatë, me rritjen e shitjeve vijnë kosto më të larta operacionale dhe menaxhimi i fluksit të parave gjatë kësaj periudhe […]

Thirrje për Investitorët potencial: Investoni në Bonot Qeveritare të Kosovës

Qeveria e Kosovës emeton bono qeveritare si një mundësi të sigurt dhe të leverdishme për investitorët që kërkojnë kthime të qëndrueshme në investimet e tyre. Bonot e emetuara me datë 5 shtator 2024 nga Qeveria kanë ofruar një normë mesatare të peshuar interesi prej 4.38% për një periudhë 10-vjeçare. Kalendari i Emetimeve të Bonove Qeveritare, […]

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:

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

    EThrough 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 provides you with one (1) free SEPA transfer each month.

  • 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.

  • 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.

  • 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

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