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Raiffeisen Bank, with the largest network of branches in Kosovo and related banks around the world, makes the transfer of funds easier and safer, whether in Kosovo or abroad.

Local payments

We provide local payments between Raiffeisen Bank in Kosovo and other local banks; the processing time for payments up to 9,999 euros will be transfers with three final periods (Cut Off Times (ACH)), while payments over 10,000 euros are transferred in real time (RTGS).

All transactions between your accounts or traders accounts within Raiffeisen Bank in Kosovo are carried out in real time. It only takes a few seconds for them to appear in your account, regardless of the branch or those where the transaction is performed.

Payroll processing

Raiffeisen Bank provides fast and efficient payroll processing for companies and their employees. Companies have the advantage of secure cashless payments. Employees benefit from the services of Raiffeisen Bank, including VISA and Master cards that allow them access to their money 24 hours a day.

Also, they can use one of Raiffeisen Bank's client loans.

International payments

Raiffeisen Bank in Kosovo is a member of the SWIFT international payment system, and all international payments and collections are handled efficiently through SWIFT. We accept and make payments from 08:00 to 17:00, from Monday to Friday. The SWIFT confirmation will be sent to you in the form of a copy of MT103.


a) Sending International money transfer

You can send national money transfers from any branch or office, as well as electronically through Raiffeisen Plus for Business. The value date for outgoing international payments is D+2.

b) Acceptance of international money transfers

You can also accept international money transfers at any of our branches or sub-branches. We make the funds available in your account on the same date when we receive them (if they are received before the end of the bank's working hours).

Please provide the following information to a company or person who wants to send you money by international transfer:

  • Beneficiary's Bank: Raiffeisen Bank Kosovo J.S.C. Pristina, Kosovo
  • Beneficiary's Account: Your account number with Raiffeisen Bank
  • Beneficiary Name: Your name or the name of your company as registered with Raiffeisen Bank.

Intragroup Payments (IGP)

If the client has payments to/from the Raiffeisen network bank, we will be able to provide you with IGP payments for payments to your business partners who hold accounts in any of the Raiffeisen network banks. The price of IGP is approximately 20% lower than the price of other international payments.

SWIFT Messages

Messages sent by SWIFT to a financial institution (RBKO) that have been authorized by the account owner to:

  • Receive the account statement (MT940).
  • Debit his account and credit other accounts at RBKO or other banks (MT101).

Mesazhet SWIFT MT940

This message is sent by SWIFT to a financial institution (concentrating institution) that has been authorized by the account owner to receive it. The statement files are created automatically by the core banking system at the frequency desired by the customer. MT 940 will be generated and sent both when there are transactions on the account and when there are no transactions on the account.

Mesazhet SWIFT MT101

The SWIFT MT 101 message applies when the client orders a banking institution, in this case our Bank, to debit his or her accounts to RBKO and credit the accounts of local and international third parties within RBKO or to another bank.

The SWIFT MT 101 message is sent by another financial institution on behalf of their client, a client of Raiffeisen Bank in Kosovo.

Internal Direct Debit

Direct Internal Debit is an internal development of RBKO dedicated to the collection of payments for invoices agreed in advance by the client and the company.

Since it is an internal product of Raiffeisen, it serves only the company's clients, who are clients of Raiffeisen Bank in Kosovo. First, the agreement (debt mandate) is signed between the company and its client. That agreement reaches the bank, which verifies the signatures and confirms the agreement.

According to the agreement with the company, the company sends an electronic list on a regular basis, noting the accounts and amounts to be debited. On the indicated date, the bank debits the client's account and credits the company's account according to the direct debit amounts.

CBK Direct Debit

Direct debit is a payment method that allows an organization to instruct its bank to collect different amounts, paid at different times directly from the client’s account, for as long as the client has been given advance notice of the amounts and collection dates.

Direct debit is the easiest way for organizations to collect regular or occasional payments from their customers, both businesses and consumers. This saves time, reduces collection costs, and places the settled funds directly into the organization's bank account.

Direct debit payments also allow you to automatically collect payments from your clients who have accounts at other banks.

Standing order

It is an automatic payment service for the transfer of a fixed amount on a fixed date between the client's accounts or from the client's account to different accounts within Raiffeisen Bank Kosovo.

(The dates and amount of the transfer are chosen by the client.)

Collection of money (SWEEP SERVICE)

This product is provided to clients to facilitate and improve their liquidity. The product consists of automatic transfers of predetermined amounts based on a certain period of time from one account to another in the same currency for the same client ID.


KOS-GIRO is another payment method developed by the Central Bank that enables a member organization of KOS-GIRO to issue invoices with a barcode and be processed by the banking system in Kosovo through a certain procedure and process.


Why Raiffeisen Bank?

There are many reasons why Raiffeisen Bank is the right partner when choosing a credit card. These are the main advantages:

130 years of banking tradition

Raiffeisen Bank in Kosovo is part of Raiffeisen Bank International, carrying the same values as the parent company. Raiffeisen stands for security and stability.

The largest bank in Kosovo

Raiffeisen Bank is the biggest bank in Kosovo, based on all financial indicators. This is the result of the continuous trust of our clients and our commitment to providing the best services.

Innovation and support

We rely on continuous innovation to provide you with an easy and stress-free banking experience. With the largest branch network and advanced digital platforms, we are with you 24/7.