Nature teaches us that change can be beautiful!

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On December 1, 2022, OTP Group announced the completion of the legal merger between Alpha Bank Albania and OTP Bank Albania, continuing as a single bank under the name OTP Bank Albania. The acquisition of Alpha Bank Albania is the result of the OTP Group's strategic goals to strengthen their position in Albania and to create the largest and most powerful banking institution in the country, which will offer a full spectrum of innovative banking products and services.

The integration process is expected to last until 2023.

We have built this dedicated space for you, addressing during this time, the issues you may be interested in.

Branch network

Branch network

We are working to assure you that the merger of the two banks will be very beneficial for the customers of both banks. Our aim is to provide our customers with the ultimate service and easier access to branches and ATMs, at a high level of professionalism and hospitality in any and all of our branches.

The personal banker can be anyone who you like to work with at any branch of OTP Bank Albania. The process and the service shall not be impacted and you as OTP Client shall obtain the highest banking customer service to our highest commitment.

The personal banker can be anyone who you like to work with at any branch of OTP Bank Albania. The process and the service shall not be impacted and you as OTP Client shall obtain the highest banking customer service to our highest commitment.

All branches are open every day of the week, from 08:30 to 15:30. Some branches also offer service on Saturday from 08:30 - 12:00. You can find this information on the bank's website. To find the branch nearest you, visit the web. https://www.otpbank.al/map-locations/

ATM&POS

ATM&POS

ATM location shall not change. You can withdraw at any OTP ATM free of charge. The Locations of ATMs can be found on web and google maps.

https://www.otpbank.al/map-locations/

Online Banking

Online Banking

You will be able to use the same application until May 2023. After that, you will need to log in to a new application with the same functionalities and design as the current OTP Bank Albania application. For this, you will be informed in advance.

To access Online Banking, you can visit: https://www.otpbank.al/en/online-banking/ and then select "Alpha Online Banking".

Transfers via Online Banking will continue to be carried out as they are currently carried out.

For transfer commissions via the platform, please refer to the applicable Terms of Service. https://www.otpbank.al/en/kushtet-e-punes/

Currently, there will be no changes in how you will be provided with new credentials. You can get the password at the branch, or by phone at the Contact Center: 0800 48 48, 068 (69) 40 12 121.

Terms and conditions

Terms and conditions

The working conditions that will be applied are those published in this link:

https://www.otpbank.al/en/kushtet-e-punes/

Account

Account

Your existing account with all terms follows the same. You can perform all possible actions at any moment in one of the branches of OTP Bank Albania or Alpha Bank Albania. For all actions that you will perform, the working conditions in force will be applied: https://www.otpbank.al/en/kushtet-e-punes/

SWIFT is PUPALTR for OTP Bank Albania and CRBAALTR for Alpha Bank Albania.

The IBANs will remain unchanged for each of the accounts you had at OTP Bank and Alpha Bank.

There will be no changes in the preferential conditions offered according to the contracts signed between customers and Alpha Bank Albania. At the maturity of the contracts, an agreement will be signed for the new preferential conditions offered by OTP Bank Albania.

There will be no automatic merging of accounts. For business/customer needs and products associated with these accounts, both accounts can be maintained. In such cases, the accounts will be operational on both systems. If the accounts are not linked to active products, then at the customer's request, the closure can be continued. If you have current accounts with both banks, it is not necessary to maintain both accounts. One of the accounts can be closed at the customer's request. In this case, the applicable commissions of the bank for closing the account will not be applied.

Loan

Loan

Loan contracts with Alpha Bank Albania will continue to be in force. There is no need to sign a new contract.

You will continue to benefit from the same conditions you had at Alpha Bank according to the current agreement. For other conditions, you should meet with the bankers at the branches of OTP Bank Albania.

You can pay the loan installments at any Alpha Bank Albania branch as usual or you can choose the nearest OTP Bank Albania branch.

You can close your loan and the terms of your current loan agreement will apply.

As long as your loan is active with our bank, the relationship with the collateral will not change. In case of closing the loan, the collateral will be released according to the conditions defined in the loan contract.

In the case of new loans, the bank's customers will benefit from all the products offered by OTP Bank Albania.

OTP Bank Albania has agreements with many merchants through which you can benefit from preferential conditions offered by the bank for loans. At every POS of OTP Bank Albania you will find the logo of OTP Bank Albania.

Deposit

Deposit

Your Deposit is 100% safe. OTP Bank Albania and Alpha Bank Albania are both a solid and well capitalized bank. Both of them are part of OTP Group, one of the leading financial groups in the CEE region with an exceptional growth track record, outstanding profitability and solid capital and liquidity positions. As part of its strategy, the group strives to increase its share through organic growth and acquisitions in all of its markets where the group is already present.

With the deposits opened in Alpha Bank Albania, the conditions of the current contract will continue to apply. On the maturity date, if the contract does not have the automatic renewal option, the funds will be transferred to the account designated by the customer as quoted in the deposit contract.

You can merge deposits and for the change that occurs as a result of the merger, the destruction of one and the addition of another, the bank's current conditions and terms of the contract will be applied. https://www.otpbank.al/en/depozita-horizont-me-interes-te-pershkallezuar/

The deposit can be renewed at any OTP branch. For the new deposit, the current working conditions published by OTP Bank will be applied.

Card

Card

You will be able to use your card at every ATM and POS as per the T&C in power.

As part of the integration process, cards will change, therefore, we will send you a new card. The process is automatic, you don't have to do anything about it.

No commission arises concerning the card change.

Card limits are according to the conditions in force: https://www.otpbank.al/en/kushtet-e-punes/

Card bonuses for use at POS will continue to be valid.

Amex will be replaced with another card Visa platinium. All other cards will be the same.