Contact

Raiffeisen Bank Kosovo J.S.C.

Head Office

Address

Street UÇK, no.191

10000 Pristina, Kosovo

 

T: +383 38 222 222

Mob: +383 49 222 222

F: +383 (0)3820 30 11 25

E: info@raiffeisen-kosovo.com

Swift Code : RBKOXKPR

IBAN : XK05

Cards

Raiffeisen Bank offers to its customer the Visa and Master Card, cards which are accepted internationally and enable you a 24 hour and 7 days per week access in your account in the country and abroad.

Warning: In case your card is lost or stolen, you shall call us immediately on the Contact Center 038 222 222 or to report it to the nearest branch of our bank.

For more information, please contact Raiffeisen Bank branches and sub-branches or call Contact Center: 038 222 222.

The Visa Electron Card is a debit card which means every withdrawal or payment will automatically charge your account, it makes possible to have access in your account 24 hours per day, 7 days a week through the network of more than 850.00 ATM’s inside and outside the country, moreover, you can make payments for goods and services on more than 22 million Points of Sales (POS) in the whole world.

How can you take VISA Electron Card?

In order to have a VISA Electron Card, you should hold a Current Account with Raiffeisen Bank. With your approval, this Card can also be issued to a person who is authorized in your account in this way all of the transactions done will be charged to your account.

For more information, please visit our branches and sub-branches or call Contact Center: 038 222 222.

Visa Classic is also a debit card which means every withdrawal or payment will automatically charge your account, it makes possible to have access in your account 24 hours per day, 7 days a week; through the network of more than 850.00 ATM’s inside and outside the country, moreover, you can make payments for goods and services on more than 22 million Points of Sales (POS) in the whole world, however, in comparison with Visa Electron this makes possible buying online.

How can you take VISA Classic Card?

The right to apply for VISA Classic Card has all customers who receive their salary through Raiffeisen Bank and whose salary achieves the level required by the bank. In addition, owners of the enterprises and larger companies who have a good history of loan repayment have the right to apply for VISA Classic Card.

With your approval, this Card can be issued to a person who is authorized in your account and in this way, all performed transactions with the Card of authorized person will be taken from your account.

For more information, please visit our branches and sub-branches or call Contact Center: 038 222 222.

Visa Credit Card is the card which has the limit approved by the bank to use for goods and services through the POS, and withdraw cash 24 hours a day, 7 days a week, by using ATM’s in Kosovo and around the world.

Borrowing and returning money

You will have on your disposal the limit approved by the bank which can be used from your side and at the end of each month the bank will inform you through the statement for all of the transaction done in the specific month, obligations, the calculated interest and for the minimal payment needed. Based on your financial capacities, you can choose the most flexible way to fulfill your obligations. You are obligated to return at least the minimum amount required in the statement within the grace period for 15 days and the other part can be returned gradually.

How can you have a VISA credit card?

In order you need to receive your salary through Raiffeisen Bank or any other bank in Kosovo or be a business owner or representative and also you need to complete the application form attached in brochure and then send it to any Raiffeisen Bank branch.

With your approval, an additional card can be issued to your authorized person who can have access to your limit up to a specified level by you.

The card is equipped with a “chip” which enables to increase the security of transactions and always when you use your card you will be asked to type your PIN.

The bank offers two types of credit cards:

  • one for electronic transactions, payments through POS’s and cash withdrawals from the ATM’s, and the other
  • can be used also for online buying 

For these two types of cards the bank offers different credit limits, which are assigned by the bank’s criteria.

For more information, please visit our branches and sub-branches or call Contact Center: 038 222 222.

Debit Master is also a debit card linked to the current account, which gives the possibility to access your money 24 hours per day, 7 days a week. This card can be used for withdrawals through the network of ATM’s also, to make payments in POS’s within and outside the country.

For more information, please visit our branches and sub-branches or call Contact Center: 038 222 222.

The Master Card is offered to individuals, owners of Small and Micro enterprises and corporate clients, upon fulfilling of the bank requirements.

This card enables to have available an approved limit by the bank, which can be withdrawn through the ATM’s, or to make payments in POS’s inside and outside of the country also, purchasing online.

Who can apply for the Master Card?

All private individuals that receive their salaries through Raiffeisen Bank, and at which their salary reach the minimum level salary requirements have the right to apply for the Master Card also the owners of Small and Micro enterprises and Corporate customers that have a good credit history with the bank.

The limit approved from the bank the clients can use without interest up to 45 days.

During the grace period from 1 to 15 of the next month, the client is obligated to pay the amount exploited. The repayment of the amount used in the previous month should be done into the current account from where the system automatically will reconcile the card account.

If the amount exploited is not returned within the grace period, then penalty fees will be applied as per tariff list.

For more information, please visit our branches and sub-branches or call Contact Center: 038 222 222.

 

·         Disclosure of information

 

During online payments card holders need to take account of the following: any request, made orally or in writing, to send a copy of the card ( fornt and/or back), PIN or any other card data such as card number, valid thru date or verification code, such a request may be an attempt of card abuse.

 

In addition to disclosing card data, holders should be aware that they can fall victim to online fraud also by sharing their personal information (ID card number, passport number, personal ID No, etc.).

 

  • Phishing

 

Phishing

 

Phishing means the use of unsolicited e-mails or browser pop-up windows to obtain customers personal information (ID card number, passport number, etc.) and credit card data (card number, valid thru date, verification code).

 

  • Vhishing

 

Vhishing

 

Vishing is a novel form of phising and refers to unauthorised attempts to obtain personal information on clients and credit cards in telephone call.

 

  • E-mails and phone calls

 

E-mails and phone calls

 

Our recommendation to our clients is never to respond to e-mails or telephone calls with requests for personal information or credit card data. No bank or a number, secret PIN code, card expiration date or card verification code from the back of the card. Particular caution is warranted when opnening any attachments and/or downloading ANY web content.

 

• Do not ever respond.

 

• Clients can check and report any suspicious transaction by calling Contact Center at: +383 38 222 222 . One of the options available to our clinets for keeping track of the charges made to their credit or debit cards are E-banking or the SMS banking, which sends a text (SMS) message with their account (current account) balances and changes.

 

  • Security

 

Security

 

Raiffeisen Bank Kosovo is constantly working on security of each aspect of its card business:

 

• monitoring card transactions and cards issued by Raiffeisen Bank Kosovo , as well as cards issued by other banks, made at Raiffeisen Bank Kosovo's POS terminals and ATMs,
• each Raiffeisen Bank Kosovo card issued features integrated chip technology,
• all POS terminals and ATMs support chip technology,
 

 

Our recommendations

 

 

 Our recommendations

 

PIN is a secret code known only to the card holder and they must never reveal it in any way (in conversation, by telephone or e-mail). It is worth noting that, according to the regulation in place, not even the issuing bank knows the PIN and has not right to request the holder to disclose their PIN.

 

It is precisely for the reason of security that Raiffeisen Bank Kosovo recommends debit and credit card holders to treat any information concerning cards with caution and to keep PINs, passwords, card verification codes and other such information to themselves. Also, in the case that such information is stored anywhere, it should not be kept near the card. Caution is also recommended during transactions; we advise any transactions to be made by the card holer in person.

 

The bank´s security systems are at maximum level, but each holder is responsible for day - to - day protection of their card information and PIN, and for paying particular attention to the security of the websites that collect their information.

 

The corporate webpage of Raiffeisen Bank Kosovo also feature a segment on the Security of online payments, intended to provide any information necessary for customer protection and fraud prevention. It is important to make card holders aware of the need to abide by the bank´s security recommendations and to take any autonomous action in line with such recommendations for sake of their own security.