← Back to Business Guide
Banking & Finance
Comprehensive guide to Kosovo's banking infrastructure, licensed banks, and opening a business account.
Banking Sector Overview
CBK
Regulator
EUR (€)
Currency
10
Licensed Banks
Up to €5,000 (FSDK)
Deposit Insurance
>%15
Capital Adequacy
<2%
NPL Ratio
CBK Licensed Banks in Kosovo
All commercial banks licensed and supervised by the Central Bank of Kosovo (CBK)
ProCredit Bank SH.A
Parent Group: ProCredit Holding (DE/Frankfurt)
procreditbank-kos.com
Est. 2000 CBK Licensed
Raiffeisen Bank Kosovo J.S.C
Parent Group: Raiffeisen Bank International (AT/Vienna)
raiffeisen-kosovo.com
Est. 2003 CBK Licensed
Banka Credins Kosovë SH.A
Parent Group: Credins Bank (AL/Tirana)
bankacredins-ks.com
Est. 2020 CBK Licensed
Ziraat Bank Kosova SH.A
Parent Group: T.C. Ziraat Bankası (TR/Ankara)
ziraatbank-kosova.com
Est. 2012 CBK Licensed
Source: Central Bank of Kosovo (CBK), Licensed Banks Registry 2026
Required for Account Opening
- ARBK registration certificate
- Fiscal number from ATK
- ID/Passport of authorized signatories
- Founding act / articles of association
- Proof of business address
- Initial deposit (varies by bank, typically €0–€100)
- Beneficial ownership declaration
- Business plan or description of activity
Need Help Opening a Bank Account?
Our team can guide you through the entire process, from documentation to account activation.