Individuals

What is a Term Deposit?

Term (time) deposits are offered to all individuals who wish to take advantage of the high interest rates available at American Bank of Investments by depositing an amount of money that remains unaffected by the client for a predetermined time.

How many times per year is the interest applied?

Interest is transferred to the account on the day of maturity.y.

What is the maturity of this deposit?

The client can choose from 1, 3, 6, or 9 months maturities, up to 1, 2, 3, and 5 years maturities.

What is the minimum amount and what currencies are accepted for opening a time deposit?

ALL 50,000, EUR 500, USD 500.

For more detailed information on Time Deposit interest rates, see our Interest Rates Bulletin.

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Our bank is a member of the Deposit Insurance Agency.

All deposit accounts of any depositor in the Republic of Albania held with the American Bank of Investments (ABI) shall be secured by the Deposit Insurance Agency (ASD), up to ALL 2,500,000 (two million five hundred thousand) or its countervalue in foreign currency, according to the provisions set forth in Law no. 53/2014, “On Deposit Insurance”, as amended.

For more information, please visit: Deposit Insurance Agency