Bank of Albania AIPS Albanian Interbank Payment System - bankofalbania 2026

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The document is a comprehensive user manual for the Albanian Interbank Payment System (AIPS) operated by the Bank of Albania. It outlines the system's main features, components, and functionalities, including account and transaction management, settlement processes, SWIFT message handling, day operations, reporting procedures, security measures, fees, and participant requirements. The manual serves as a guide for participants to effectively utilize AIPS for real-time gross settlement of interbank transactions.

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Click ‘Get Form’ to open it in the editor.
Begin by filling in your institution's details in the designated fields, ensuring accuracy for proper identification within the AIPS system.
Proceed to input transaction details, including amounts and beneficiary information. Use our platform’s tools to validate entries for compliance with AIPS requirements.
Review all entered information carefully. Utilize the commenting feature to add notes or clarifications if necessary.
Once satisfied, click on ‘Submit’ to finalize your form. You can also save a copy for your records directly from our editor.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Who owns the Bank of Albania?

SWIFT acts as a carrier of the messages containing the payment instructions between financial institutions involved in a transaction. However, the organisation does not manage accounts on behalf of individuals or financial institutions, and it does not hold funds from third parties.

What is an interbank payment system?

The Bank of Albania is accountable to the Assembly of the Republic of Albania and its paid-up capital is owned exclusively by the State of Albania. The Bank of Albania is governed by the Supervisory Council, which is chaired by the Governor. The Governor also serves as the General Executive Director of the Bank.

What is the swift interbank payment system?

The SEPA zone also includes three EEA countries (Iceland, Norway, and Liechtenstein), and 11 non-EEA countries that are now included after the geographical scope was extended: Albania, Andorra, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Switzerland, the United Kingdom, and Vatican City State.

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