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Debit kartele

Debit Card: The magic of payments

Having access to my money without needing to go to a branch is a must. At any time and wherever I am, shopping in store or online, I want to use the money I have in my current account quickly and safely.

Where can I use my debit card?

Debit cards give me 24/7 access to my money for ATM withdrawals or to make payments at POS terminals anywhere in the world. In addition, with a debit card, I can make online payments securely because Raiffeisen Bank cards use 3D Secure technology. To make payments even faster, all Raiffeisen Bank debit cards support contactless payment technology, where you can pay at POS terminals up to the value of 50 euros without having to type the four-digit PIN.

Access to money 24/7

Contactless payment

High security

What are Raiffeisen Bank Debit cards?

How to activate my Debit Card for the first time?

Visit the link below to see the steps for the activation of the Debit card:

Step 1:
From the phone number you have registered with the bank, send an SMS (free of charge) to 50222 with the last 4 numbers of your card.

Step 2:
You will receive an SMS with your card PIN.

Step 3:
The card can be used at POS terminals and ATMs using the PIN you received via SMS.
After you have used the card for the first time, you can change the PIN of the card anytime and at any Raiffeisen Bank ATM. You should keep in mind that for re-ordered cards, the PIN remains the same, while for new cards, the new PIN is applied, which you receive via SMS according to the process explained above. For security reasons, it is recommended to delete the SMS containing your card PIN.


You don't have a Debit Card?

In that case, you can apply completely online to open a Current Account and visit the branch just to sign the contract. Upon opening the account, you automatically accept your Visa or Mastercard Debit card.

Frequently asked questions

Here, you can find answers to the most frequently asked questions.


At Raiffeisen Bank ATMs, bank customers may withdraw up to 2,000 euros within 24 hours. This limit can be increased by contacting the Call Center at 038 222 222.

For information on all withdrawal and payment fees, you can refer to the Raiffeisen Bank price list below:

Price list for individuals
Price list for businesses

In case you forget your card PIN, you should visit one of the bank's branches to set a new PIN.

To minimize the possibility of fraud during card payments on the Internet, please read our recommendations in the following link:

Security of card payments

In case of card loss or theft, you must immediately report the case by contacting the Bank's Call Center at 038 222 222, and your card will be disabled immediately. The Call Center works 24 hours a day, 7 days a week. You can also disable your card quickly and easily through the bank's digital services in E-Banking and M-Banking.

For customers who are active in using their cards, their card is automatically reordered. Once the card is ready, the bank sends it by mail to your residential address registered with the bank.

You will receive the new card by mail at the address you have registered with the bank. If you have changed your address, you must go to one of the bank's branches to update your information.

The service is free, and all postage costs are covered by Raiffeisen Bank.

Activation of the new card can only be done through the mobile phone operators in Kosovo.

You will be contacted by phone when the Postal Service begins the process of mailing your card. You will also be given a reference number to track its location. The post office will make three attempts to deliver the card to you. After the third attempt, you will need to pick it up at the post office by appointment with the postman.

Your card is active and you can use it immediately by using your previous card PIN.

If you have forgotten your PIN, please visit one of the Raiffeisen Bank branches.

Note: The first time the card must be used with a chip (not contactless) at the POS terminal or ATM.

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.