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Privacy Policy

PRIVACY POLICY

  1. PURPOSE
    1. This Privacy Policy outlines how we, IBAS, collect, use, and protect your personal information.

  2. INFORMATION WE COLLECT
    1. We collect personal information from you when you open an account, apply for a loan or credit, use our products or services, or otherwise interact with us. This information may include:
      1. Your name, address, date of birth, bank accounts, and other identifying information
      2. Your employment information, including your occupation and income
      3. Your financial information, including your assets, debts, and credit history
      4. Your transaction history with us and other financial institutions
      5. Your online activity, such as your IP address and browsing history
    2. We may also collect information from third-party sources, such as other private institutions and public records.

  3. HOW WE USE YOUR INFORMATION
    1. We use your personal information to:
      1. Process your account opening, loan application, or other requests
      2. Provide you with our products and services
      3. Verify your identity and prevent fraud
      4. Communicate with you about your account and our products and services
      5. Comply with legal and regulatory requirements
      6. Conduct research and analysis to improve our products and services
    2. We may also use your information for marketing purposes, such as to offer you products and services that may be of interest to you.

  4. SHARING YOUR INFORMATION
    1. We may share your information with:
      1. Our business partners subsidiaries, for business purposes
      2. Service providers who help us provide our products and services, such as processing transactions and sending communications
      3. Central Bank of Kosovo and other third-party sources to verify your information and prevent fraud
      4. Government agencies and law enforcement, as required by law or to protect our legal rights
    2. We do not sell your personal information to third parties for marketing purposes.

  5. PROTECTING YOUR INFORMATION
    1. We take reasonable measures to protect your personal information from unauthorized access, disclosure, and use. These measures include:
      1. Physical safeguards, such as secure buildings and locked file cabinets
      2. Technical safeguards, such as firewalls and encryption
      3. Administrative safeguards, such as policies and procedures for data access and security
    2. We also require our service providers to maintain appropriate security measures to protect your information.

  6. YOUR CHOICES
    1. You may choose not to provide us with certain personal information, but this may limit our ability to provide you with our products and services. You may also opt out of receiving marketing communications from us by following the instructions in the communication.

  7. YOUR RIGHTS
    1. You have certain rights regarding your personal information, including:
      1. The right to access and receive a copy of your personal information
      2. The right to correct any inaccurate or incomplete personal information
      3. The right to request that we delete your personal information
      4. The right to object to the processing of your personal information for certain purposes
      5. The right to restrict the processing of your personal information under certain circumstances

  8. CONTACT US
    1. If you have any questions or concerns about our Privacy Policy or our use of your personal information, please contact us at:
      [email protected]
      +383 38 600 300

  9. CHANGES TO THIS POLICY
    1. We may update this Privacy Policy from time to time. We will notify you of any material changes by posting a notice on our website or by other means. Your continued use of our products and services after such notice constitutes your acceptance of the updated Privacy Policy.

Basic Account

Where the name speaks of cost, but the benefits echo beyond imagination. Designed for those who value simplicity and practicality, this account is tailored to your unique preferences. If Buy Now Pay Later options don't align with your style, and you prefer to send or receive money less often, then this account is your perfect fit. Embrace a bankingexperience that revolves around your needs, making financial management effortless and delightful.

0.00€ /month

Banking services you get from FREE account:

  • British Banking Account Number with access to SEPA (Single European Payment Area)

    Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe.

  • Top-up of your virtual wallet from all local or international banks

    You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

  • All payments for public institutions

    Taxes, Traffic fines, Vehicle registration, Public universities, and others.

  • Utility payments

    Electricity, Water, Waste, Internet, and others.

  • Withdrawing money

    In bank accounts, to IBAS partners, or to individuals.

  • Loans for payments

    Applying for loan to facilitate your payment.

  • Overdraft for payments

    Applying for overdrafts or payday loans to facilitate your payments.

Apply

Plot Account

Where affordability meets unparalleled advantages. Meticulously tailored for those who appreciate seamless simplicity, this account effortlessly adapts to your unique preferences. With the coveted Buy Now Pay Later feature and a generous inclusion of one (1) income or outgoing SEPA transfer absolutely free, rest assured your investment will flourish. Immerse yourself in a banking experience that transforms financial management into an absolute delight. Embrace a groundbreaking era of bespoke banking, exclusively designed to amplify your lifestyle.

Welcome to PLOT Account – your gateway to a banking experience like never before for only:

2.99€ /month

Banking services you get from your PLOT account:

  • British Banking Account Number with access to SEPA (Single European Payment Area)

    Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe. One (1) free incoming/outgoing SEPA transfer per month.

  • Buy Now Pay Later with three months interest-free

    €100 will be automatically credited to your account, ready to fuel your payments. Plus, no interest charges if returned within the next three months.

  • Top-up of your virtual wallet from all local or international banks

    You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

  • All payments for public institutions

    Taxes, Traffic fines, Vehicle registration, Public universities, and others.

  • Utility payments

    Electricity, Water, Waste, Internet, and others.

  • Withdrawing money

    In bank accounts, to IBAS partners, or to individuals.

  • Loans for payments

    Application for Loans to facilitate your payment realizations.

  • Overdraft for payments

    Applying for overdrafts or payday loans to facilitate your payments.

Apply

Integra Account

A world where affordability converges with extraordinary benefits. Tailored for those who seek effortless simplicity, this account seamlesslyadapts to your unique preferences. Experience the coveted interest-free Buy Now Pay Later feature and enjoy the added bonus of two (2) complimentary incoming or outgoing SEPA transfer. Watch your investment flourish with ease. Immerse yourself in a banking journey that transforms financial management into pure delight. Embrace a new era of bespoke banking, meticulously designed to elevate your lifestyle.

Step into the INTEGRA Account – your gateway to an unparalleled banking experience for only:

4.99€ /month

Banking services you get from your INTEGRA account:

  • British Banking Account Number with access to SEPA (Single European Payment Area)

    Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe. Two (2) free incoming/outgoing SEPA transfer per month.

  • Buy Now Pay Later with three months interest-free

    €200 will be automatically credited to your account, ready to fuel your payments. Plus, no interest charges if returned within the next three months.

  • Top-up of your virtual wallet from all local or international banks

    You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

  • All payments for public institutions

    Taxes, Traffic fines, Vehicle registration, Public universities, and others.

  • Utility payments

    Electricity, Water, Waste, Internet, and others.

  • Withdrawing money

    In bank accounts, to IBAS partners, or to individuals.

  • Loans for payments

    Application for Loans to facilitate your payment realizations.

  • Overdraft for payments

    Applying for overdrafts or payday loans to facilitate your payments.

Apply

Premium Account

Where affordability meets unparalleled benefits. Crafted for those who appreciate seamless simplicity, this account effortlessly aligns with your unique preferences. Explore the sought-after interest-free Buy Now Pay Later feature and relish in the added privilege of three (3) complimentary incoming or outgoing SEPA transfers. Witness your investment flourish effortlessly. Immerse yourself in a banking journey that turns financial management into sheer delight. Embrace a new era of bespoke banking, meticulously designed to elevate your lifestyle.

Enter the world of the PREMIUM Account – your exclusive gateway to an unmatched banking experience, for only:

9.99€ /mo

Banking services you get from your PREMIUM account:

  • British Banking Account Number with access to SEPA (Single European Payment Area)

    Easily send or receive money from over 5,000 banks within the European Economic Area or across the globe. Three (3) free incoming/outgoing SEPA transfer per month.

  • Buy Now Pay Later with three months interest-free

    €500 will be automatically credited to your account, ready to fuel your payments. Plus, no interest charges if returned within the next three months.

  • Top-up of your virtual wallet from all local or international banks

    You can top up your wallet in IBAS directly from the bank or through Visa or Mastercard cards.

  • All payments for public institutions

    Taxes, Traffic fines, Vehicle registration, Public universities, and others.

  • Utility payments

    Electricity, Water, Waste, Internet, and others.

  • Withdraw your money

    In bank accounts, to IBAS partners, or to individuals.

  • Loans for payments

    Application for Loans to facilitate your payment realizations.

  • Overdraft for payments

    Applying for overdrafts or payday loans to facilitate your payments.

Apply

Thank you for choosing IBAS for your banking needs!

We're thrilled to welcome you on board. In compliance with regulatory requirements, we kindly request you to download our app and commence the KYC/KYB process, which is a legal prerequisite for opening a banking account.

The process is straightforward and comes with the necessary guidance.

Experience Innovative Banking and Attractive Solutions (IBAS) to the fullest!

Choose the store for downloading the application.