United Bank of Albania

Go further with less limitations.

Access 700 ATMs within the country under the MasterCard logo


Why choosing it? Because it is practical, fast, easy to use.


FREE for POS purchases, inside and outside the country.


Access to your account 24 hours a day, 7 days a week.


Withdrawal at any ATM worldwide, it is enough for the ATM to have the MasterCard logo.


Possibility of purchase in all points of sale (POS) in Albania and abroad with MasterCard logos.


No contact, payment without setting the PIN and without signing invoices.

General Information

Your debit card connects directly to your current account by offering you an easier way to access funds in your account. It is your new portfolio. Your money is safe and you have a cozy use. With your card you can pay at any point of sale where you see MasterCard logo both inside and outside the country and you can withdraw cash from the ATM 24 hours a day, 7 days a week.

You don’t have to withdraw money to pay for your purchases or expenses when you can pay directly with a card for them at any store, agency, supermarket, restaurant bar, fuel, hotel, etc. equipped with POS. The debit card is also available for online shopping. You can check the status of the account as well as verify each transaction performed through the statement, having a full control of your expenses.

UBA Bank offer the possibility to equip with a debit card to all the individuals and business client. Debit MasterCard for Business is a debit card designed to facilitate your business activity by helping you with a very good management of the funds you have available. All the authorized people of the business can have DEBIT MASTERCARD. You can present to the branch with an ID card and make your application.

SMS – Service: Introducing the notification to all cardholder client on the transactions even the balance remained.

3D Secure 2.0 is an authentication protocol that aims to reduce fraud and enhance security in online card payments.


With pleasure United Bank of Albania introduce DEBIT MASTERCARD, a card which is secured under CHIP and PIN functionality.

  • Practical, fast and easy usage.
  • Access in your account 24 hours a day 7 days a week.
  • CASH withdraw in ATM worldwide wherever logo of MasterCard is displayed.
  • Possibility to purchase in all points of sale (POS) in Albania and outside of it where MasterCard logos are displayed.
  • FREE Cash withdraw from 700 ATM in Albania.
  • FREE purchases in POS, inside or outside the country.
  • Buy on internet up to 15,000 Lekë.
  • All bank cardholders can deposit through Union Bank ATM (Cash-in) in their account, at any time.

For a safe usage of your cards, take in consideration below advices

  • Treat your card as you would do with the cash – never let it out of your sight.
  • Don’t give your secret PIN to anyone. Don’t write it down, memorize it.
  • Don’t respond to emails that require you to submit your account number, card number or expiry date of your card.
  • Don’t let your friends or family use your cards.
  • Stay vigilant of detecting skimming devices.
  • Keep eyes on your statement: Check your bank debit card statements regularly and thoroughly to see if there has been fraudulent activity.

Advices how to buy/purchase on POS/ATM. Read our considerations

  • Always cover the keyboard with one hand when setting the PIN.
  • Make sure you get your card and bill after completing the purchase or withdrawal at ATMs.
  • Always keep the card under control. Ask to have the POS to your table. Make sure the card is passed only once.
  • Do not distract or hurry when you are performing a transaction.

Advices how to use online shopping. Read our considerations

  • Use a familiar website.
  • Look for the digital certificate. Be sure to use pages that have SSL (secure sockets layer). You will know if the page has SSL after the URL for the page will start with HTTPS:// (instead of HTTP://) once the icon with a closed lock will appear next to the address you opened.
  • Protect your computer by always using the latest antivirus software.
  • Use strong, long, and difficult passwords.
  • Avoid using public computers. There your card data can be easily stolen from fraudsters.
  • When shopping online from your phone, try to always use the apps offered directly by merchants.

If you doubt that your card is copied or lost or stolen, please call us immediately in the phone number back to the card:


*The card will be blocked automatically

General Conditions

Service Fee
Maintenance fee Free of charge
Change of the daily limit of card usage 350 Lekë
Credit refund 0.5% of the amount
Unjustified disputed transaction 2.000 Lekë
Unblocking a card 300 Lekë

Issuing cards

Service Fee
Standard issuing Free of charge
Card re-issuance for other reasons (stolen, lost, damaged etc.) 500 Lekë
PIN re-issuance 400 Lekë
Change PIN on ATM 50 Lekë

ATM transactions

Service Fee
Cash withdrawal from Bank’s ATM Free of charge
From other banks ATM in Albania Free of charge
From ATM abroad 2 % min 350 Lekë
Balance check-up/Union Bank Free of charge
Balance check-up to other banks 50 Lekë

POS transactions

Service Fee
Purchases at POS Free of charge
Purchases at POS abroad Free of charge

Cash withdrawal in POS

Service Fee
From POS terminals in ALBANIA 2 % min 350 Lekë
From POS terminals abroad 2 % min 350 Lekë


Service Fee
Daily limits for withdraw on ATM 50,000 Lekë/day
Daily limits to buy in POS 250,000 Lekë/day
Daily limits to buy in Internet 5,000 Lekë/day