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Loans

Loan Application

Get the funds you need quickly and easily with our simple loan application process.

Fill out our easy and secure loan application form to start your financing journey.

    APPROVAL FOR ACCESS TO THE CREDIT REGISTER

    I hereby grant permission to IBAS to:

    • Evaluate my loan application

    • Assess my credit risk history at Central Bank or elsewhere

    • Evaluate my credibility as an individual linked to the borrower

    • Recognize my obligations to banks or authorized lending entities by accessing Credit Registry data

    • Determine the value of financial guarantees and my capacity to meet financial obligations

    APPROVAL FOR COLLECTION AND PROCESSING OF PERSONAL DATA

    I acknowledge and willingly provide consent to IBAS for the following purposes:

    • Disclosure of all my personal data

    • Use, processing, and storage of said data for identification and to safeguard property interests within the business relationship with IBAS

    • Formation of a shared customer database

    I acknowledge that IBAS may, as necessary, share my information with third parties, defined as entities necessary for legal transactions between myself, IBAS, and other relevant institutions, in accordance with Kosovo's applicable laws.



    If you need assistance during the application, contact us at the number 038600300 or on our social media networks!

    Standard Account

    Where the name speaks of cost, but the benefits echo beyond imagination. Designed for those who value simplicity and practicality, this account is tailored to your unique preferences. If Buy Now Pay Later options don't align with your style, and you prefer to send or receive money less often, then this account is your perfect fit. Embrace a banking experience that revolves around your needs, making financial management effortless and delightful.

    0.00€ /month

    Banking services you get from FREE account:

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

      Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe.

    • Top-up of your virtual wallet from all local or international banks

      You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

    • All payments for public institutions

      Taxes, Traffic fines, Vehicle registration, Public universities, and others.

    • Utility payments

      Electricity, Water, Waste, Internet, and others.

    • Withdrawing money

      In bank accounts, to IBAS partners, or to individuals.

    • Loans for payments

      Applying for loan to facilitate your payment.

    • Overdraft for payments

      Applying for overdrafts or payday loans to facilitate your payments.

    Apply

    Plot Account

    Where affordability meets unparalleled advantages. Meticulously tailored for those who appreciate seamless simplicity, this account effortlessly adapts to your unique preferences. With the coveted Buy Now Pay Later feature and a generous inclusion of one (1) income or outgoing SEPA transfer absolutely free, rest assured your investment will flourish. Immerse yourself in a banking experience that transforms financial management into an absolute delight. Embrace a groundbreaking era of bespoke banking, exclusively designed to amplify your lifestyle.

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

    2.99€ /month

    Banking services you get from your PLOT account:

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

      Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe. One (1) free incoming/outgoing SEPA transfer per month.

    • Buy Now Pay Later with three months interest-free

      €100 will be automatically credited to your account, ready to fuel your payments. Plus, no interest charges if returned within the next three months.

    • Top-up of your virtual wallet from all local or international banks

      You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

    • All payments for public institutions

      Taxes, Traffic fines, Vehicle registration, Public universities, and others.

    • Utility payments

      Electricity, Water, Waste, Internet, and others.

    • Withdrawing money

      In bank accounts, to IBAS partners, or to individuals.

    • Loans for payments

      Application for Loans to facilitate your payment realizations.

    • Overdraft for payments

      Applying for overdrafts or payday loans to facilitate your payments.

    Apply

    Integra Account

    A world where affordability converges with extraordinary benefits. Tailored for those who seek effortless simplicity, this account seamlessly adapts to your unique preferences. Experience the coveted interest-free Buy Now Pay Later feature and enjoy the added bonus of two (2) complimentary incoming or outgoing SEPA transfer. Watch your investment flourish with ease. Immerse yourself in a banking journey that transforms financial management into pure delight. Embrace a new era of bespoke banking, meticulously designed to elevate your lifestyle.

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

    4.99€ /month

    Banking services you get from your INTEGRA account:

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

      Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe. Two (2) free incoming/outgoing SEPA transfer per month.

    • Buy Now Pay Later with three months interest-free

      €200 will be automatically credited to your account, ready to fuel your payments. Plus, no interest charges if returned within the next three months.

    • Top-up of your virtual wallet from all local or international banks

      You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

    • All payments for public institutions

      Taxes, Traffic fines, Vehicle registration, Public universities, and others.

    • Utility payments

      Electricity, Water, Waste, Internet, and others.

    • Withdrawing money

      In bank accounts, to IBAS partners, or to individuals.

    • Loans for payments

      Application for Loans to facilitate your payment realizations.

    • Overdraft for payments

      Applying for overdrafts or payday loans to facilitate your payments.

    Apply

    Premium Account

    Where affordability meets unparalleled benefits. Crafted for those who appreciate seamless simplicity, this account effortlessly aligns with your unique preferences. Explore the sought-after interest-free Buy Now Pay Later feature and relish in the added privilege of three (3) complimentary incoming or outgoing SEPA transfers. Witness your investment flourish effortlessly. Immerse yourself in a banking journey that turns financial management into sheer delight. Embrace a new era of bespoke banking, meticulously designed to elevate your lifestyle.

    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)

      Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe. Three (3) free incoming/outgoing SEPA transfer per month.

    • Buy Now Pay Later with three months interest-free

      €500 will be automatically credited to your account, ready to fuel your payments. Plus, no interest charges if returned within the next three months.

    • Top-up of your virtual wallet from all local or international banks

      You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

    • All payments for public institutions

      Taxes, Traffic fines, Vehicle registration, Public universities, and others.

    • Utility payments

      Electricity, Water, Waste, Internet, and others.

    • Withdraw your money

      In bank accounts, to IBAS partners, or to individuals.

    • Loans for payments

      Application for Loans to facilitate your payment realizations.

    • Overdraft for payments

      Applying for overdrafts or payday loans to facilitate your payments.

    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.

    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.