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Raiffeisen Bank Kosovo debit cards review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Raiffeisen Bank Kosovo is a straightforward current account for teenagers in Kosovo who want everyday banking without a standing charge. The monthly fee of €0 puts it at 1 of 500 on that measure, and the account is supervised by the Central Bank of Kosovo.

Key facts

Best for
Teenagers in Kosovo who want a current account with a monthly fee of €0.
Monthly fee
€0↗
Currencies
7↗
Transfer fee
1 EUR via e-banking, 3 EUR in branch (outgoing payments to other banks up to EUR 10,000)↗
Legal entity
Raiffeisen Bank Kosovo J.S.C.↗
Headquarters
Kosovo↗
Founded
2003↗
Audience
Teens
Pricing model
No monthly fee
Official website
raiffeisen-kosovo.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
Wikidata

Pros and cons

Pros

  • Monthly fee of €0 on the current account, which ranks it 1 of 500 on that measure.
  • Supervised by the Central Bank of Kosovo, and the bank has traded as Raiffeisen Bank Kosovo J.S.C. since 2003.
  • Holds 7 currencies in the same current account, covering euro costs and local spending together.
  • The transfer fee for outgoing payments to other banks is lower in e-banking than in branch.

Cons

  • The currency list is short at 7, placing it 136 of 379 among the brands compared on currency count.
  • The transfer fee is higher for payments made in branch than for the same payment through e-banking.
Raiffeisen Bank Kosovo debit cards

Ready to try Raiffeisen Bank Kosovo debit cards?

Scored 9.1 / 10 by VaultCue.

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Who it suits

  • Teenagers in Kosovo who want a current account with a monthly fee of €0.
  • People who want 7 currencies in one account rather than separate single currency ones.
  • Customers who are happy to send payments through e-banking to keep the lower transfer fee.

Who should look elsewhere

  • Currency list seekers: Skrill covers 47 currencies where this account covers 7.
  • People who would rather hold money with a payment platform than a bank account: PayPal Colombia and eToro sit at a monthly fee of $0 and £0, so decide on the account type rather than the charge.

Fees and FX

The current account carries a monthly fee of €0, which places it at 1 of 500 among the accounts compared on that point. The transfer fee for outgoing payments to other banks is lower in e-banking than in branch, so the route you take decides what a payment costs. Set up e-banking and most transfers run at the cheaper rate.

How Raiffeisen Bank Kosovo debit cards compares

Where Raiffeisen Bank Kosovo debit cards is available

Licence in Kosovo
Central Bank of Kosovo (BQK), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee on this current account?+

No. The current account carries a monthly fee of €0, so keeping it open costs nothing each month. That is the cheapest end of the range most providers sit in, where the highest monthly fee across the site is €449.

What does it cost to send a payment to another bank?+

Outgoing payments to other banks carry a transfer fee, and the channel decides the price. The fee is lower when the payment goes through e-banking and higher when it is made in branch, so the route you take changes what a transfer costs. The monthly fee of €0 does not remove that difference.

How many currencies can I hold in one account?+

The account covers 7 currencies, enough for euro costs and everyday local spending in Kosovo. The list is shorter than some providers carry, with Skrill listing 47, so a wider currency spread points elsewhere.

Who regulates the bank, and how long has it been around?+

The bank is supervised by the Central Bank of Kosovo and trades as Raiffeisen Bank Kosovo J.S.C.. It has been operating since 2003, so it is an established name rather than a new entrant. A bank licence means your balance sits with a bank, not a payment platform.

Who is this account aimed at?+

The audience is teen, so a younger customer new to banking is the natural fit. It is a plain current account with a monthly fee of €0, so there is no standing cost to keep, and the same account can carry on into everyday use.

Where is the bank based?+

The bank is headquartered in Kosovo, and the account is held with Raiffeisen Bank Kosovo J.S.C.. That makes the bank itself the counterparty for your balance, card and payments, rather than an intermediary, which matters if you want one point of contact for a problem.

How does the monthly fee compare with the rest of the market?+

On monthly fee the account ranks 1 of 500 among the providers compared, because the fee is €0 while the highest monthly fee across the site is €449. There is little room below that, and the trade off is currency reach.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.

Raiffeisen Bank Kosovo debit cards

Raiffeisen Bank Kosovo debit cards

Teenagers in Kosovo who want a current account with a monthly fee of €0.

9.1/10See alternatives