Saving Account

  1. Saving Account with Periodic Liquidation of Interest

You earn interest on your savings having the possibility for unlimited deposits and withdrawals while respecting minimum account balance. Zero commission on account opening.

Interest is calculated on daily bases deposit amount and will be credited to the account on 24 January and 24 July.

Currency for account opening LEK, EUR and USD

Opening a saving account, client is eligible for a free of charge debit card Visa Electron and/or credit card Visa Gold. Using ATM of American Bank of Investments or paying with your debit card Visa Electron within all POS in Albania, is free of charge.

2. Saving Account with Fix Interest Rate

Saving Account with Fix Interest Rate is offered in LEK, EUR and USD currency.

Account opening is free of charge, 0 operational commissions and 75lek/monthly maintenance commission.

Minimum amount for saving account opening is: 10’000 Lek, 100 Eur, 100 USD

Minimum amount to earn interest/minimum balance: 10’000 Lek, 100 Eur, 100 USD

Account closure: 10 Eur during first year, 5 Eur after the first year.

0 commission applied and unlimited deposit on every branch of American Bank of Investments.

Printing Account Statement: free of charge

Credit interest calculation: Interest is calculated on daily balance of the account every end of day.

Interest is credited on the account twice a year and for this account no debit interest is applied.

3. Children Saving Account

Children Saving Account is a saving deposit for children under 18 years old. This saving account offers the possibility of unlimited deposits and withdrawal up 30% of the amount from legal representative. Saving account is managed  by child legal representatives, the child has no right to act on the deposit until 18 years old. 14 years old is the maximum age allowed to open a children saving account.

Children Saving Account is offered in LEK, EUR and USD currency.

Account opening is free of charge and are not applied maintenance and operational fees

Minimum amount for account opening is : 5.000 LEK, 50 EUR, 50 USD

Account Closure: 10 Eur during first year, 5 Eur after the first year

0 commission applied and unlimited deposit on every branch of American Bank of Investments.

Printing Account Statement: free of charge

Cash withdrawal up to 30% of the amount and 0 commission applied

Credit interest calculation: Interest is calculated on daily balance of the account every end of day.

Interest is credited on the account twice a year and for this account no debit interest is applied.

 

Saving accounts Interest Rates are published on ABI Bank Bulletin of Interest Rates of time deposits and accounts.

American Bank of Investments is member of Agency of Deposit Insurance.

All deposit accounts of each depositor in Republic of Albania held on American Bank of Investments SHA, are insured from Agency of Deposit Insurance (ASD) up to 2.500.000 lek or equivalent in foreign currency, according to the provisions stipulated in law no. 53/2014, “On Deposit Insurance” as amended.

For more information please follow: http://asd.gov.al/sq/kreu/