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Raiffeisen Plus

Banking at your fingertips

Make payments and transfers, check your account, and manage your cards anytime, wherever you are, quickly and securely, with real-time notifications and without the need to visit a branch.

Download the mobile app Open an account 100% online!

Trusted by over 200,000 users in Kosovo

4.25/5 Rating on Google Play Store and App Store

330,000 transactions processed per month

New features of the mobile banking application

Beyond core features such as payments, transfers, and account and card management, the app is continuously updated with new features to make banking even simpler and more efficient.

Payments

Pay electricity, water, taxes, and parking directly from the app, quickly and without waiting.

  • Pay Prishtina Parking

    Follow the steps and pay Prishtina Parking directly from the Raiffeisen Bank app. Fast, simple, and without SMS.

    Prishtina Parking

    Hapi 1: Kliko Pagesat

    Hapi 2: Kliko Prishtina Parking

    Hapi 3: Kliko "Vend i ri për parkim"

    Hapi 4: Plotësoni të dhënat

    Hapi 5: Konfirmo pagesën

    Hapi 6: Vendosni PIN-in tuaj

    Hapi 7: Shko në faqen Kryesore dhe shiko Parkimet Aktive

  • Pay the electricity bill (KESCO)

    Pay your KESCO electricity bill quickly and securely through the Raiffeisen Bank mobile banking app.

    Paguaj rrymen me Aplikacionin mobil bankar

    Hapi 1: Hapni aplikacionin, klikoni te Menu dhe zgjidhni Pagesat.

    Hapi 2: Klikoni Skeno & Paguaj KESCO

    Hapi 3: Skanoni faturën si në foton më poshtë.

    Hapi 4: Konfirmi të dhënat dhe klikoni Konfirmo për të përfunduar.

  • KRU Prishtina

    For individual and business clients, you can now make payments directly to KRU Prishtina. Debt settlement is also processed in real time.

    Paguaj faturën e ujit përmes Aplikacionit mobil

    Hapi 1: Hapni aplikacionin, klikoni te Menu dhe zgjidhni Pagesat.

    Hapi 2: Klikoni KRU Prishtina

    Hapi 3: Shkruani UNIREF kodin e faturës

    Hapi 4: Konfirmi të dhënat dhe klikoni Konfirmo për të përfunduar.

  • Tax payment

    For individual and business clients, you can now make tax payments directly through the mobile banking app.

  • Top up (mobile credit)

    A feature of the mobile banking app is the ability to top up your phone with mobile operators Vala and Ipko.

    TopUp mbushje

    Hapi 1: Hapni aplikacionin, klikoni te Menu, pastaj zgjidhni Pagesat dhe Mbushje telefoni.

    Hapi 2: Zgjidhni Vala ose IPKO, zgjidhni shumën dhe vazhdoni për konfirmim.

Transfers

Send and receive money via card or phone number within minutes, anytime and anywhere.

  • Card 2 Card

    Transfer money from card to card within minutes. Through CARD2CARD, you can transfer money to any card domestically and internationally within a few minutes.

    Card2Card

    Hapi 1: Hapni aplikacionin, klikoni te Menu dhe më pas zgjidhni Card2Card.

    Hapi 2:

    1. Shkruani të dhënat e kartelës suaj dhe të kartelës së pranuesit.
    2. Më pas, shkruani shumën që dëshironi të transferoni dhe konfirmoni transferin përmes kodit të sigurisë 3D.
    3. Brenda pak minutash, paratë do të transferohen me sukses.

  • KUIK

    It enables individual clients to send money and request payments from people who are part of KUIK using only a phone number selected from their contacts list.

    Kuik

    Hapi 1: Hapni aplikacionin, klikoni te Menu dhe zgjidhni KUIK.

    Hapi 2: Zgjidhni shumën dhe kontaktin të cilit dëshironi t’i dërgoni, pastaj konfirmoni.

    Info: Për të shfaqur listën e kontakteve në KUIK, duhet t’i jepni leje aplikacionit të bankës për qasje në kontaktet tuaja.

Savings & Financial Products

Save automatically, set savings goals, and apply for financial products directly in the app.

  • Loan application

    With the mobile banking app, you can apply for a loan fully online, without visiting a branch.

    Apliko për kredi

    Hapi 1: Hapni aplikacionin, klikoni te Menu dhe më pas zgjidhni Apliko për kredi.

    Hapi 2: Zgjidhni shumën, kalkuloni kredinë dhe vazhdoni duke ndjekur hapat në vazhdim.

  • Credit card application

    You can now apply for a credit card fully online through the mobile app.

    Apliko për kredit kartelë

    Hapi 1: Hapni aplikacionin dhe klikoni te Menu, pastaj zgjidhni Apliko për Kredit Kartelë.

    Hapi 2: Shiko benefitet e Kredit kartelës dhe klikoni Vazhdo

    Hapi 3: Zgjedhni limitin e Kredit Kartelës dhe klikoni Apliko për të aplikuar.

  • Savings account

    With the mobile banking app, you can now open a savings account fully online, without visiting a bank branch.

    Llogari kursimi

    Hapi 1: Hapni aplikacionin dhe klikoni te Menu, pastaj zgjidhni Produktet.

    Hapi 2: Zgjedhni Llogari e Kursimit tek faqja Produktet.

    Hapi 3: Klikoni vazhdo.

     

    Hapi 4: Shkruani emrin e llogarisë dhe valuten dhe klikoni vazhdo për të përfunduar.

     

  • Savings goal

    You can now plan your future by setting savings goals and achieving them with ease.

    Qëllimi i kursimeve

    Hapi 1: Hapni aplikacionin dhe klikoni te Menu, pastaj zgjidhni Produktet.

    Hapi 2: Zgjedhni Qëllimi i kursimive tek faqja Produktet.

    Hapi 3: Krijoni qëllimin duke plotësuar fushat e kërkuara dhe vazhdoni.

     

    Hapi 4: Klikoni Vazhdoni për të përfunduar.

     

  • Save the change

    You can now automatically turn your spare change into savings, helping you save effortlessly with every purchase.

    Kurse Kusurin

    Hapi 1: Hapni aplikacionin, klikoni te Menu dhe zgjidhni Produktet.

    Hapi 2: Shkruani emrin e llogarisë dhe valutën, pastaj klikoni Vazhdo për të përfunduar.

How to use the bank’s mobile banking app?

Learn how to make payments, transfers, and other services in the mobile app through short video tutorials.

Watch the video tutorials

What are the safety measures on this platform?

Raiffeisen Mobile banking app the highest safety elements in the national and international markets. Take some time to get to know the specifics of these elements and accept some safety tips that are needed when using the Raiffeisen Mobile banking app platform.

Mbanking - Security Tips

Credentials
Username

Do not share your 'Username' with other peopleSet a hard-to-find 'username' Never write it down

Password/PIN

  • Change your password/PIN frequently and when you suspect it has been compromised, and never write it down. 
  • Password complexity is guaranteed by the security policy implemented in the Mobile banking app platform.
  • Do not choose a password that is easy to guess (first name, last name, age or birthday of family members, years, names of pets, words such as "fjalëkalim", "password", place of birth, "12345678").
  • Do not use a password/PIN for Raiffeisen Plus that is linked to another account (email, online shopping account, debit or credit card PIN, Facebook)
  • The bank will never ask you for your credentials such as PIN or password, or credit card details.

Security Elements

  • SMS OTP - (SMS FNP) is used to authenticate users during various actions in Digital banking.
  • SMS OTPs are sent via SMS to the mobile number that the user has registered with the bank. If you have changed your mobile number, please update your details with the bank.
  • Do not share OTPs with anyone else.

Mobile Token/Cronto Token/HW Token - used to authorize payments

  • If you have lost the device on which this security element is activated, please block/delete the licence via your account on the Raiffeisen Plus web platform or notify the bank to block the relevant licence(s).
    Access to the Mobile banking app platform
    Do not forget to log out of your account after you have finished using the Mobile banking app web/mobile application.
    Do not share personal information, such as account numbers or credit or debit card numbers, over the phone, email, or online unless you initiated the communication or know who you are communicating with.
  • Apply all updates to the Mobile banking app application.
  • Do not perform any banking transactions on public access computers (Internet hotspots). Different types of hacking programs, using publicly accessible computers, give hackers access to your account data and personal information.
  • Never access your Mobile banking app account via email links, pop-up forms on your computer, or via search engines.

Do not access any site that requires you to provide personal, confidential, or sensitive data or allows you to perform banking transactions. Always type the full address of the page you want to access in the corresponding field in the browser.


Phishing attacks
What is Phishing?
Phishing is an attempt by cyberattackers to trick you into believing that a legitimate organization is seeking information from you. Such requests may appear to be harmless or appear to come from a valid source. These scams require you to respond to an email, a phone call, or click on a link on a fraudulent (fake) website.Below are some indicators to help you spot phishing messages and develop your knowledge about them:Fake URL - The URL in a phishing message that arrives in your inbox may look perfectly legitimate. However, if you hover your mouse over the URL without clicking it, you can see the redirect page (the address where it actually takes you). If the URL address in the text of the message is different from the address that appears when you place the cursor, it means that we are dealing with a phishing email.

Email Suffix - In phishing emails, cybercriminals use different suffix names other than the legitimate source.
Poor spelling and grammar - A message with grammatical or spelling errors is probably an indicator of phishing messages. There are usually no spelling or grammatical errors in the bank's official messages.

Personal information - The bank will never ask you for your password, credit card number or the answer to a security question in an email. Beware of such messages.

Beware of the content of the message - If you receive a message informing you that you have won a lottery, for which you never bought a ticket, then it is a scam. Also, if the messages contain unrealistic threats, or ask for money, then we are dealing with a scam. Signs of urgency, urges to take quick action are also an indicator of fraudulent messages.


Others

  • Do not provide personally identifiable information or confidential information without confirming that the website is secure. Check that the address starts with https:// and is followed by the relevant page name, and in the top or bottom panel of the page is the padlock symbol.
  • Do not open SMS/MMS/email messages without checking the identity of the sender and the header. If you have any doubts about the origin of the message, delete it immediately. Do not open any files that may be attached, and do not follow any links that may be in the message.
    It is your responsibility as a user:

  1. To ensure that you always keep your computer's operating system up to date.
  2. To install antivirus software and always keep it up to date. An outdated antivirus program is equivalent to not having one.
  3. Not to download/install any non-standard/untrusted software on your device(s).
  4. Not to open unknown SMS/MMS messages, e-mails, or untrusted/unknown files.

Download the Mobile banking app user manual

Download the manual

Frequently Asked Questions

Here, you can find answers to frequently asked questions.

You can download the app for free from the Google Play Store or App Store by clicking in this link - Download mobile banking app.

To log in, use your username and password/PIN. You can also enable biometric authentication (fingerprint or Face ID) for faster and more secure access.

Within the app, select the payments or transfers option, enter the recipient details and amount, and confirm the transaction in just a few steps.

Go to the payments section, choose the relevant service (such as electricity, water, or taxes), enter the required details, and confirm the payment directly in the app.

Select the Card2Card option, enter the recipient’s card details and the amount, and complete the transfer. The transaction is processed within minutes.

Go to the cards section in the app and select the block option. Your card will be blocked immediately to prevent unauthorized use.

Yes, the app uses advanced security features such as SMS OTP, token authentication, and biometric verification to protect your data and transactions.

Never share your password, PIN, or OTP codes. Avoid clicking on suspicious links and always use the official app or the bank’s website.

Yes, you can open a savings account online through the app by following a few simple steps, without visiting a branch. step-by-step

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.