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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:



    Invest in IBAS

    Following a series of successful developments and with an eye toward further growth, IBAS is offering the opportunity to purchase shares to individuals who meet legal requirements and can verify the legality and source of their investment funds. Here are the details:

    Investment Amount: Minimum of 5,000 euros and a maximum of 500,000 euros.

    About IBAS

    Established in 2019, IBAS currently holds licenses from the Central Bank of Kosovo for electronic money issuance, money transfers, and payment loans. Additionally, IBAS is the sole institution in Kosovo licensed as an Advisor for investments in securities, including shares, government or corporate bonds, and commercial paper.

    Presently, IBAS serves over 31,000 individual customers and has 2,131 business partners in Kosovo for digital payments. It's worth noting that IBAS is the only financial institution operating outside the EU with access to SEPA, offering international bank accounts or British IBANs, facilitating free money transfers for citizens across the European Economic Area and enabling businesses to pay their suppliers for a fixed fee of three (3) euros, regardless of transaction size. In terms of lending, IBAS has received loan requests exceeding 13.9 million euros, having financed over 5.2 million euros of them.

    In 2022, IBAS was valued at 25,578,052 euros using the discounted cash flow methodology. With this valuation, IBAS initiated a historic public offering in Kosovo, selling 498 thousand euros worth of shares, representing 1.946% of total shares pledged, out of a total of 577 thousand euros available. As per Article 205 of Law no. 06/L-016 for Commercial Companies, the value of IBAS is 26,076,052 euros. To determine your share percentage, simply divide your investment amount by the current value. For instance, if you invest 100,000 euros, your share percentage would be calculated as follows: €100,000/€26,076,052, resulting in 0.383494% of the share. To mitigate the risk of potential overvaluation, a protective measure has been implemented. If IBAS's value falls below 26,076,052 euros, for example, dropping to 10,000,000 euros, your investment would still secure a 1% share allocation, using the same formula (€100,000/€10,000,000). This ensures that the value of your investment remains resilient to valuation fluctuations until the initial assessment by the venture capital firm.

    All investments in IBAS are subject to ethical, professional, and legal standards. Investors must be aware of the associated business risks and be prepared to accept them. Moreover, investors should understand that subsequent investments may dilute their ownership if the company undergoes future financing rounds.

    IBAS is committed to expansion, both in terms of product offerings, licensing, and geographical reach. With three branches currently operational in Prishtina, Peja, and Prizreni, IBAS plans to open more branches and expand into neighboring regions such as Albania, North Macedonia, and Montenegro

    General information about risks:

    Before purchasing shares in a business entity, it's essential to thoroughly assess the potential risks associated with your investment. Here are some key considerations:

    Market risk:
    The value of shares in legal entities is susceptible to fluctuation due to various economic factors. Market downturns can lead to a decrease in share prices, thereby reducing the value of your investment.

    Specific risks:
    Every business entity faces an array of potential risks, including operational challenges, competition, changes in management, and legal issues.

    Financial risk:
    Financial plans and forecasts of business entities may fail or experience delays, exposing them to financial risks such as liquidity issues, inability to repay obligations, or failure to realize operational plans.

    Industry risk:
    Investing in stocks exposes you to risks specific to the industries in which the entity operates. Legal changes or technological advances within a particular sector can significantly impact stock performance.

    Risk management:
    The effectiveness and integrity of a legal entity's management team can influence its long-term performance. Poor management decisions, conflicts of interest, or governance issues can affect share value and increase investment risk.

    Legal and regulatory risk:
    Changes in laws, regulations, or litigation may impact a company's operations, profitability, or reputation. Failure to comply with legal changes can result in fines and have adverse consequences for the business entity and its shareholders.

    Corporate governance risk:
    Weak corporate governance practices, such as lack of board oversight or transparency, can heighten the risk of fraud, mismanagement, or ethical violations within the entity.

    Please note:
    IBAS has taken proactive measures to mitigate the above risks, and none have occurred thus far. However, it's important to analyze the potential for any of these risks when considering stock investments. This thorough assessment is a fundamental step before deciding to purchase shares in a business entity.



      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:

      • 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

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