{"id":5265,"date":"2023-07-27T13:24:04","date_gmt":"2023-07-27T13:24:04","guid":{"rendered":"https:\/\/ibas.world\/faq\/"},"modified":"2025-11-04T15:41:00","modified_gmt":"2025-11-04T15:41:00","slug":"faq","status":"publish","type":"page","link":"https:\/\/ibas.world\/sq\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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PYETJET E P\u00cbRGJIGJET E SHPESHTA (FAQ) \u2013 IBAS 2025<\/h2>\n

Pyetjet tuaja, t\u00eb p\u00ebrgjigjura me kujdes<\/strong><\/p>\n

Ne e kuptojm\u00eb se kur b\u00ebhet fjal\u00eb p\u00ebr udh\u00ebtimin tuaj bankar digjital, mund t\u00eb lindin pyetje. P\u00ebr k\u00ebt\u00eb arsye kemi p\u00ebrgatitur nj\u00eb list\u00eb gjith\u00ebp\u00ebrfshir\u00ebse p\u00ebr t\u2019ju udh\u00ebhequr n\u00eb \u00e7do hap \u2013 nga hapja e llogaris\u00eb, verifikimi, kredit\u00eb, pagesat, deri te siguria dhe inovacionet e fundit t\u00eb IBAS.<\/p>\n\n
\n

1. Informacione t\u00eb p\u00ebrgjithshme<\/strong><\/p>\n

\u00c7far\u00eb \u00ebsht\u00eb IBAS?<\/strong>\n
IBAS \u00ebsht\u00eb nj\u00eb institucion financiar i licencuar nga Banka Qendrore e Kosov\u00ebs q\u00eb ofron IBAN (llogari bankare p\u00ebr pagesa dhe transfere t\u00eb Kosov\u00ebs dhe t\u00eb Anglis\u00eb), kredi, pagesa p\u00ebrmes QR kodit dhe pagesa p\u00ebrmes Mastercard, transfere p\u00ebr dhe nga Zona Ekonomike Evropiane, k\u00ebshillim p\u00ebr investime n\u00eb tregjet financiare t\u00eb rregulluara dhe t\u00eb mbik\u00ebqyrura.\n<\/p>\n

A funksionon IBAS si bank\u00eb?<\/strong>\n
Jo plot\u00ebsisht \u2013 IBAS \u00ebsht\u00eb institucion financiar i paras\u00eb elektronike, por ofron sh\u00ebrbime t\u00eb ngjashme me ato t\u00eb bankave tradicionale, me avantazhin e plot\u00eb t\u00eb digjitalizimit.\n<\/p>\n\n

A ka IBAS aplikacion mobil?<\/strong>\n
Po. Aplikacioni IBAS \u00ebsht\u00eb i disponuesh\u00ebm n\u00eb App Store<\/strong> (p\u00ebr p\u00ebrdoruesit iOS) dhe Play Store<\/strong> (p\u00ebr Android).
Thjesht k\u00ebrkoni \u201cIBAS\u201d dhe klikoni \u201cMerr\u201d ose \u201cInstalo\u201d.\n<\/p>\n\n\n

2. Hapja dhe verifikimi i llogaris\u00eb<\/strong><\/p>\n

Cili \u00ebsht\u00eb procesi p\u00ebr hapjen e nj\u00eb llogarie n\u00eb IBAS?<\/strong>\n<\/p>\n

    \n
  1. Shkarkoni aplikacionin IBAS.<\/li>\n
  2. Regjistrohuni me numrin tuaj t\u00eb telefonit dhe konfirmoni me SMS.<\/li>\n
  3. Ngarkoni dokumentet e identifikimit (ID ose pasaport\u00eb), nj\u00eb d\u00ebshmi adrese dhe nj\u00eb selfie.<\/li>\n
  4. Pasi t\u00eb verifikohen, llogaria aktivizohet nga ekipi IBAS.<\/li>\n\n<\/ol>\n
    \n

    \u00c7far\u00eb dokumentesh nevojiten p\u00ebr llogari biznesi?<\/strong>\n
    Certifikata e regjistrimit t\u00eb biznesit, autorizimi i p\u00ebrfaq\u00ebsuesit dhe ID personale.\n<\/p>\n

    A mund ta hap llogarin\u00eb nga jasht\u00eb Kosov\u00ebs?<\/strong>\n
    Po. Llogarit\u00eb IBAS mund t\u00eb hapen nga \u00e7do vend i BE-s\u00eb p\u00ebrmes aplikacionit mobil, por duhet ta d\u00ebshmoni se keni nj\u00eb adres\u00eb banimi n\u00eb Republik\u00ebn e Kosov\u00ebs.\n<\/p>\n

    Nuk kam num\u00ebr telefoni kosovar. A mund t\u00eb hap llogari?<\/strong>\n
    Po. D\u00ebrguesi i fondeve nga Evropa nuk ka nevoj\u00eb p\u00ebr llogari n\u00eb IBAS \u2013 vet\u00ebm pranuesi duhet t\u00eb ket\u00eb nj\u00eb llogari IBAS p\u00ebr t\u00eb pranuar fondet.\n<\/p>\n\n

    A mund t\u00eb sh\u00ebrbehem m\u00eb IBAS n\u00ebse nuk kam adres\u00eb n\u00eb Kosov\u00eb?<\/strong>\n
    Po. Mund t\u00eb sh\u00ebrbeheni me llojin e llogaris\u00eb Pass-through eWallet e cila iu mund\u00ebson t\u00eb kryeni pagesa p\u00ebr ofruesit e sh\u00ebrbimeve utilitare, gjoba n\u00eb trafik, tatime dhe kontribute, dhe pagesa tjera t\u00eb natyr\u00ebs s\u00eb ngjashme.\n<\/p>\n\n

    3. Llogarit\u00eb IBAS dhe p\u00ebrfitimet<\/strong><\/p>\n

    Cilat jan\u00eb llogarit\u00eb e disponueshme n\u00eb IBAS?<\/strong>\n<\/p>\n

      \n
    • STANDARD<\/strong> \u2013 llogari bazike pa mir\u00ebmbajtje mujore. Kjo llogari iu pajis\u00eb me IBAN t\u00eb Kosov\u00ebs dhe me IBAN t\u00eb Britanis\u00eb s\u00eb Madhe e cila iu ofron qasje n\u00eb SEPA (Single European Payment Area)<\/li>\n
      \n
    • PLOT<\/strong> \u2013 me IBAN t\u00eb Kosov\u00ebs dhe 500\u20ac kredi pa interes p\u00ebr 3 muaj. Kjo llogari iu pajis\u00eb me IBAS Mastercard pa pages\u00eb dhe iu siguron q\u00eb gjithmon\u00eb i keni 500 euro n\u00eb llogarin\u00eb tuaj n\u00eb IBAS. Maturiteti maksimal \u00ebsht\u00eb 12 muaj, koh\u00eb kjo q\u00eb mund ta vazhdoni sapo ta barazoni shum\u00ebn q\u00eb e keni n\u00eb dispozicion.<\/li>
      \n
    • PREMIUM<\/strong> \u2013 me IBAN t\u00eb Kosov\u00ebs dhe Anglis\u00eb, 750\u20ac kredi pa interes p\u00ebr 3 muaj, 2 transfere falas n\u00eb muaj p\u00ebr d\u00ebrgimin ose pranimin e parave nga Zona Ekonomike Evropiane. Kjo llogari iu mund\u00ebson edhe dy (2) t\u00ebrheqje pa tarif\u00eb p\u00ebr \u00e7do muaj, deri n\u00eb shum\u00ebn 300 euro, nga cilido bankomat n\u00eb Koso\u00eb.<\/li>
      \n
    • INTEGRA<\/strong> \u2013 me IBAN t\u00eb dyfisht\u00eb, 3 transfere falas p\u00ebr \u00e7do muaj nga Evropa, 1,000\u20ac kredi pa interes p\u00ebr 30 dit\u00eb, 3 t\u00ebrheqje n\u00eb muaj nga cilido bankomat n\u00eb Kosov\u00eb pa tarif\u00eb deri n\u00eb shum\u00ebn 300 euro dhe sigurim sh\u00ebndet\u00ebsor spitalor deri n\u00eb 25,000\u20ac.<\/li>\n\n<\/ul>\n
      \n

      A funksionon IBAS pa nj\u00eb llogari bankare tradicionale?<\/strong>\n
      Po, IBAS operon n\u00eb m\u00ebnyr\u00eb t\u00eb pavarur nga bankat. Dhe iu gjeneron IBAN t\u00eb Kosov\u00ebs dhe t\u00eb Britanis\u00eb s\u00eb Madhe, pa pages\u00eb dhe pa kosto t\u00eb mir\u00ebmbajtjes mujore.\n<\/p>\n\n

      A mund t\u00eb t\u00ebrheq para nga IBAS?<\/strong>\n
      Po, mund t\u00eb t\u00ebrhiqni para nga bankomat\u00ebt n\u00eb Kosov\u00eb, t\u00eb transferoni fonde n\u00eb llogarin\u00eb tuaj bankare ose t\u00eb p\u00ebrdorni kartel\u00ebn IBAS Mastercard p\u00ebr pagesa, kudo n\u00eb bot\u00eb, pa tarif\u00eb.\n<\/p>\n\n

      A mund t\u00eb t\u00ebrheq para nga IBAS?<\/strong>\n
      Po, mund t\u00eb t\u00ebrhiqni para nga bankomat\u00ebt n\u00eb Kosov\u00eb, t\u00eb transferoni fonde n\u00eb llogarin\u00eb tuaj bankare ose t\u00eb p\u00ebrdorni kartel\u00ebn IBAS Mastercard p\u00ebr pagesa, kudo n\u00eb bot\u00eb, pa tarif\u00eb.\n<\/p>\n\n

      4. Kredit\u00eb dhe Mbit\u00ebrheqja<\/strong><\/p>\n

      Si mund t\u00eb aplikoj p\u00ebr kredi?<\/strong>\n
      P\u00ebrmes aplikacionit IBAS, pas verifikimit t\u00eb identitetit. Pas analizave kreditore, n\u00ebse i plot\u00ebsoni kushtet, k\u00ebrkesa aprovohet elektronikisht dhe kontrata n\u00ebnshkruhet online.\n<\/p>\n\n

      A ofron IBAS kredi pa interes?<\/strong>\n
      Po. Llogarit\u00eb PLOT, PREMIUM dhe INTEGRA ofrojn\u00eb kredi pa interes deri n\u00eb 3 muaj.\n<\/p>\n\n

      A mund ta anuloj kredin\u00eb e miratuar?<\/strong>\n
      Po, n\u00eb \u00e7do koh\u00eb, p\u00ebrmes aplikacionit.\n<\/p>\n\n\n

      5. Transfere dhe remitenca nga diaspora<\/strong><\/p>\n

      Si mund t\u2019i d\u00ebrgoj para familjes sime n\u00eb Kosov\u00eb p\u00ebrmes IBAS?<\/strong>\n
      Nga \u00e7do bank\u00eb evropiane q\u00eb \u00ebsht\u00eb pjes\u00eb e SEPA, d\u00ebrgoni parat\u00eb n\u00eb IBAN-in q\u00eb IBAS i ka dh\u00ebn\u00eb pranuesit q\u00eb ka hapur llogari n\u00eb IBAS> Pranuesi mund t\u2019i shpenzoj\u00eb ose t\u00ebrheq\u00eb p\u00ebrmes IBAS Mastercard.\n<\/p>\n

      Sa kushton d\u00ebrgimi i parave?<\/strong>\n
      D\u00ebrguesi nuk paguan asgj\u00eb tek IBAS \u2013 vet\u00ebm pranuesi, var\u00ebsisht nga lloji i llogaris\u00eb:\n<\/p>\n

        \n
      • \n STANDARD:<\/strong> 3.00 \u20ac p\u00ebr \u00e7do pranim, p\u00ebr \u00e7far\u00ebdo shume q\u00eb pranon.\n <\/li>\n
        \n
      • \n PREMIUM:<\/strong> 2 transfere falas p\u00ebr \u00e7do muaj, p\u00ebr \u00e7far\u00ebdo shume q\u00eb pranon. N\u00ebse pranon m\u00eb shpesh se dy her\u00eb n\u00eb muaj, at\u00ebher\u00eb aplikohet tarifa prej 3.00\u20ac, p\u00ebr \u00e7far\u00ebdo shume q\u00eb pranon. Dy t\u00ebrheqje n\u00eb muaj pa tarif\u00eb p\u00ebr shumat deri n\u00eb 300 euro p\u00ebr t\u00ebrheqje nga cilido bankomat n\u00eb Kosov\u00eb.\n <\/li>\n
        \n
      • \n INTEGRA:<\/strong> 3 transfere falas p\u00ebr \u00e7do muaj, p\u00ebr \u00e7far\u00ebdo shume q\u00eb pranon. N\u00ebse pranon m\u00eb shpesh se dy her\u00eb n\u00eb muaj, at\u00ebher\u00eb aplikohet tarifa prej 3.00\u20ac, p\u00ebr \u00e7far\u00ebdo shume q\u00eb pranon. Tre t\u00ebrheqje n\u00eb muaj pa tarif\u00eb p\u00ebr shumat deri n\u00eb 300 euro p\u00ebr t\u00ebrheqje nga cilido bankomat n\u00eb Kosov\u00eb.\n <\/li>\n<\/ul>\n\n
        \n

        6. Pagesat dhe faturat<\/strong><\/p>\n

        Si kryej nj\u00eb pages\u00eb p\u00ebr fatur\u00eb?<\/strong>\n
        Fut numrin e fatur\u00ebs ose skano fatur\u00ebn p\u00ebrmes aplikacionit IBAS dhe shkruaj shumen e pages\u00ebs, pastaj konfirmoje t\u00eb nj\u00ebjt\u00ebn dhe pagesa realizohet brenda sekondave. \n<\/p>\n\n

        A mund t\u00eb anuloj nj\u00eb pages\u00eb t\u00eb kryer?<\/strong>\n
        Jo, sapo pagesa konfirmohet, ajo nuk mund t\u00eb anulohet. N\u00eb rast gabimi, kontaktoni p\u00ebrfituesin p\u00ebr rimbursim.\n<\/p>\n\n

        N\u00ebse m\u00eb humb\u00eb kartela IBAS Mastercard, \u00e7ka duhet t\u00eb b\u00ebj\u00eb?<\/strong>\n
        Menj\u00ebher\u00eb duhet ta lajm\u00ebroni personelin e IBAS p\u00ebrmes numrit t\u00eb telefonit 038600300 q\u00eb t\u00eb bllokohet kartela e humbur dhe t\u00eb z\u00ebvend\u00ebsohet me kartel\u00eb t\u00eb re.\n<\/p>\n\n\n

        7. Sh\u00ebrbime p\u00ebr biznese<\/strong><\/p>\n

        A mund t\u00eb hap llogari biznesi?<\/strong>\n
        Po. IBAS ofron llogari p\u00ebr kompani me IBAN t\u00eb Kosov\u00ebs dhe Britanis\u00eb se Madhe, kredi p\u00ebr pagesa, si dhe integrim t\u00eb pagesave online (payment Gateway)\n<\/p>\n\n

        \u00c7far\u00eb \u00ebsht\u00eb \u201cIBAS Partner+\u201d?<\/strong>\n
        Nj\u00eb program bashk\u00ebpunimi q\u00eb shp\u00ebrblen bizneset p\u00ebr \u00e7do klient t\u00eb ri q\u00eb referojn\u00eb p\u00ebr hapje llogarie IBAS.\n<\/p>\n\n\n

        8. Investime dhe kursime<\/strong><\/p>\n

        A mund t\u00eb investoj p\u00ebrmes IBAS?<\/strong>\n
        Po. IBAS ofron k\u00ebshillim dhe nd\u00ebrmjet\u00ebsim p\u00ebr investime, p\u00ebrfshir\u00eb investimet n\u00eb Obligacionet e Qeveris\u00eb s\u00eb Kosov\u00ebs<\/strong> dhe produkte t\u00eb natyr\u00ebs se investimeve n\u00eb tregje financiare t\u00eb rregulluara dhe t\u00eb mbik\u00ebqyrura. \n<\/p>\n\n\n

        9. Siguria dhe privat\u00ebsia<\/strong><\/p>\n

        A \u00ebsht\u00eb IBAS i sigurt?<\/strong>\n
        Po. IBAS \u00ebsht\u00eb i certifikuar PCI DSS<\/strong> dhe i p\u00ebrputhsh\u00ebm me EU PSD2<\/strong>, duke enkriptuar \u00e7do t\u00eb dh\u00ebn\u00eb t\u00eb ndjeshme t\u00eb p\u00ebrdoruesit.\n<\/p>\n\n

        A ka IBAS qasje n\u00eb llogarin\u00eb time bankare?<\/strong>\n
        Jo. IBAS nuk ka qasje n\u00eb historikun apo t\u00eb dh\u00ebnat e bank\u00ebs tuaj, p\u00ebrve\u00e7 n\u00ebse ajo \u00ebsht\u00eb subjekt i hetimeve nga autoritetet shtet\u00ebrore.\n<\/p>\n\n

        \u00c7far\u00eb ndodh n\u00eb rast gabimi ose mashtrimi?<\/strong>\n
        Klient\u00ebt mbrohen nga politikat e siguris\u00eb s\u00eb IBAS dhe \u00e7do rast trajtohet nga nj\u00ebsia e Riskut dhe Siguris\u00eb Financiare. \u00c7do pagese e juaja e realizuar me mashtrim, ku ju keni rene ne lajthitje, iu kthehet nga institucioni financiar qe ka mund\u00ebsuar realizimin e asaj pagese.\n<\/p>\n\n

        10. Mb\u00ebshtetja p\u00ebr klient\u00eb<\/strong>\n

        Si mund t\u00eb kontaktoj mb\u00ebshtetjen e IBAS?<\/strong>\n

          \n
        • Telefon: 038 600 300<\/li>\n
        • Email: info@ibas.world<\/li>\n
        • Ose p\u00ebrmes opsionit \u201cNa kontakto\u201d n\u00eb aplikacionin IBAS.<\/li>\n<\/ul>\n\n
          \n

          K\u00eb t\u00eb kontaktoj p\u00ebr pyetje rreth faturave?<\/strong>\n
          P\u00ebr pyetje mbi p\u00ebrmbajtjen e fatur\u00ebs, kontaktoni drejtp\u00ebrdrejt l\u00ebshuesin e saj. P\u00ebr \u00e7\u00ebshtje teknike ose pagesa t\u00eb d\u00ebshtuara, kontaktoni mb\u00ebshtetjen IBAS.\n<\/p>\n

          A mund t\u00eb ndryshoj numrin tim t\u00eb telefonit?<\/strong>\n
          Po, vizitoni personalisht zyr\u00ebn e IBAS me dokument identifikimi p\u00ebr arsye sigurie, ose ngarkoni d\u00ebshmit\u00eb n\u00eb aplikacionin e IBAS.\n<\/p>\n\n

          11. Inovacione dhe sh\u00ebrbime t\u00eb reja<\/strong>\n

          \u00c7far\u00eb \u00ebsht\u00eb \u201cPass-through eWallet\u201d?<\/strong>\n\n
          Nj\u00eb portofol elektronik q\u00eb lejon pagesa t\u00eb menj\u00ebhershme, madje edhe p\u00ebr gjoba rrugore t\u00eb paregjistruara, duke ruajtur d\u00ebshmin\u00eb e pages\u00ebs p\u00ebr 5 vjet. P\u00ebr k\u00ebt\u00eb lloj t\u00eb llogaris\u00eb nuk ka nevoj\u00eb t\u00eb verifikohet identiteti, pasi q\u00eb p\u00ebrfitues jan\u00eb vet\u00ebm institucionet publike.\n<\/p>\n\n

          \u00c7far\u00eb \u00ebsht\u00eb sh\u00ebrbimi \u201cBuy Now, Pay Later (BNPL)\u201d?<\/strong>\n\n
          Nj\u00eb m\u00ebnyr\u00eb e re p\u00ebr t\u00eb bler\u00eb produkte sot dhe p\u00ebr t\u2019i paguar m\u00eb von\u00eb, me kushte fleksibile dhe periudh\u00eb pa interes.\n<\/p>\n\n

          A ofron IBAS sigurim sh\u00ebndet\u00ebsor?<\/strong>\n\n
          Po. Llogarit\u00eb INTEGRA p\u00ebrfshijn\u00eb sigurim spitalor deri n\u00eb 25,000\u20ac p\u00ebr spitalet private n\u00eb Kosov\u00eb dhe Shqip\u00ebri.\n<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

          PYETJET E P\u00cbRGJIGJET E SHPESHTA (FAQ) \u2013 IBAS 2025 Pyetjet tuaja, t\u00eb p\u00ebrgjigjura me kujdes Ne e kuptojm\u00eb se kur b\u00ebhet fjal\u00eb p\u00ebr udh\u00ebtimin tuaj bankar digjital, mund t\u00eb lindin pyetje. P\u00ebr k\u00ebt\u00eb arsye kemi p\u00ebrgatitur nj\u00eb list\u00eb gjith\u00ebp\u00ebrfshir\u00ebse p\u00ebr t\u2019ju udh\u00ebhequr n\u00eb \u00e7do hap \u2013 nga hapja e llogaris\u00eb, verifikimi, kredit\u00eb, pagesat, deri te […]<\/p>\n","protected":false},"author":54,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"yoast_head":"\r\nFAQ - IBAS<\/title>\r\n<meta name=\"description\" content=\"Ne e kuptojm\u00eb se kur b\u00ebhet fjal\u00eb p\u00ebr udh\u00ebtimin tuaj bankar, mund t\u00eb lindin pyetje. 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