Current Account

Current Account

Your Daily usage Account which offers you flexibility with several way to access to your bank.

Usage

You can use the current account for various banking operations:

• Deposits and withdrawals
• Transfers within and outside the country
• Payments to third parties
• Bill payments
• Direct Debit (automatic bill payments)
• Standing Instruction (in fix amounts, within BKT)
• Loan Payment
• Credit Card payment

Access your account through:

• Branches/ Filial of BKT
• "Internet" Branch
• BKT Smart
• ATM of BKT and other banks through BanKomaT debit card

Pay cash from your account through:

• Banking cheque

Advantages

• Flexibility: Deposit and withdraw any time, at each branch in Albania wherever you are with "Internet" Branch.
• Transparency: Get informed for your account balance and transactions anytime.
• Commodity: Free yourself from carrying cash. With debit card withdraw cash from ATM and make payment for purchases through POS.

Benefits:

• Free Debit Card - Maestro or Visa Electron. The debit card is your new wallet. You can withdraw money 24 hours per day, 7 days per week and can pay wherever you see the logo of Master Card/Visa. In our ATMs, you can withdraw ALL or EUR, not only from the main account but from other 3 accounts as well, which you can link to the card.
• "Internet" Branch – The Bank in your computer!
• BKT Smart – The Bank in your smart phone!
• Free Direct Debit – automatic bill payments. You do not have to stress from month to month because the Bank will pay the bills for you.
• Standing Instruction in fix amounts for paying rent, school fee, membership fee, loan payment, savings, etc., directly from current accounts.
• Outgoing and incoming transfers, inside and abroad the country with competitive commissions.

How to open a current account?

• Apply at each branch of BKT by showing identification document*.
• Moreover, if you are already a client of BKT you can open your accounts yourself, by using "Internet" Branch.

The necessary documents for opening a current account:

• Identification Document (Identity Card, Biometric Passport)
• KSHBI signed by the client (Individual Banking Services Contract)
• CIF form signed by the customer (Customer Information File)
• CRS (Customer Self-Declaration of Tax Residence) form signed by the customer
• Current Account Contract

• Identification Document (ID Card, Biometric Passport)
• Identification document of the parent or legal guardian
• KSHBI signed by the client himself and the parent or legal guardian (Individual Banking Services Contract)
• CIF form signed by the client himself and the parent or legal guardian (Client Information File)
• CRS form (customer self-declaration of tax residence) signed by the customer himself and the parent or legal guardian
• Current Account Contract

• Identification Document (Birth Certificate of the last 3 months or Biometric Passport)
• Identification document of the parent or legal guardian
• KSHBI signed by the client himself and the parent or legal guardian (Individual Banking Services Contract)
• CIF form signed by the client himself and the parent or legal guardian (Client Information File)
• CRS form (customer self-declaration of tax residence) signed by the customer himself and the parent or legal guardian
• Current Account Contract

• Identification Document (Birth Certificate of the last 3 months or Biometric Passport)
• Applicant Identification Document (parent or legal guardian)
• Family Certificate (required for identification of parents)
• CIF form signed by the parent or legal guardian (Client Information File)
• CRS form (customer self-declaration of tax residence) signed by the parent or legal guardian
• KSHBI signed by the parent/ legal guardian / Deposit Contract My Child signed by the parent/ legal guardian (Individual Banking Services Contract)
• Current Account Contract

• Identification Document (Letter / Identity Card, Biometric Passport)
• Identification document of the legal guardian
• Court decision on the appointment of the legal guardian
• KSHBI signed by the legal guardian (Individual Banking Services Contract)
• CIF form signed by the legal guardian (Customer Information File)
• CRS (customer self-declaration) form signed by the legal guardian
• Current Account Contract

• Identification document

1.  Passport, within the expiry date;
2.  ID, identity card (only for EU countries), within the expiry date.

• Work permit
• Authorization to stay, authorized stay
• Work contract
• Lease contract
• Fiscal Code
• KSHBI signed by the client (Individual Banking Services Contract)
• CIF form signed by the client (Client Information File)
• CRS (customer self-declaration) form signed by the customer
• Current Account Contract

1. Taxpaying American citizens:

• Form W9 – which must be filled out correctly in all its fields (such as Name, Address, TIN) and signed by the US citizen.
• Declaration of Consent – ​​which must be correctly completed in all its fields and signed by the US citizen.
• Identification document
• KSHBI signed by the client (Individual Banking Services Contract)
• CIF form signed by the client (Client Information File)
• CRS form (customer self-declaration of tax residence) signed by the customer
• Current Account Contract

2. Non-Taxpaying US Citizens:

• Form W8BEN – which must be filled out correctly in all its fields (such as Name, Address) and signed by the US citizen.
•  Declaration of Consent – ​​which must be correctly completed in all its fields and signed by  the US citizen.
•  Identification document
•  KSHBI signed by the client (Individual Banking Services Contract)
• CIF form signed by the client (Client Information File)
• CRS (customer self-declaration) form signed by the customer
• Current Account Contract

• Valid identification document of the representative (Identity Card, Biometric Passport)
•  KSHBI signed by the client (representative) (Individual Banking Services Contract)
•  CIF form signed by the customer (representative) (Customer Information File)
•  CRS (customer self-declaration) form signed by the customer (representative)
•  Valid power of attorney