{"id":39119,"date":"2026-04-18T19:09:17","date_gmt":"2026-04-18T19:09:17","guid":{"rendered":"https:\/\/alprofitconsult.al\/?p=39119"},"modified":"2026-04-18T19:09:47","modified_gmt":"2026-04-18T19:09:47","slug":"llogarite-bankare-pagesat-transfertat-cfare-kerkon-banka","status":"publish","type":"post","link":"https:\/\/alprofitconsult.al\/en\/llogarite-bankare-pagesat-transfertat-cfare-kerkon-banka\/","title":{"rendered":"Llogarit\u00eb bankare, pagesat dhe transfertat: \u00e7far\u00eb k\u00ebrkon banka dhe si t\u00eb jeni gati"},"content":{"rendered":"

Banka ju thot\u00eb se duhet t\u00eb prisni. Ose k\u00ebrkon nj\u00eb dokument tjet\u00ebr q\u00eb nuk e prisnit. Ose transferta juaj nga jasht\u00eb vendit pezullohet dhe asnj\u00eb punonj\u00ebs nuk ju jep shpjegim t\u00eb plot\u00eb.<\/p>\n\n\n\n

Kjo nuk ndodh rast\u00ebsisht dhe nuk \u00ebsht\u00eb shenj\u00eb e di\u00e7kaje t\u00eb gabuar. Shtetet dhe institucionet financiare n\u00eb t\u00eb gjith\u00eb bot\u00ebn ndjekin rregulla t\u00eb harmonizuara nd\u00ebrkomb\u00ebtare p\u00ebr verifikimin e transaksioneve dhe identifikimin e klient\u00ebve. Shqip\u00ebria i zbaton t\u00eb nj\u00ebjtat standarde. \u00c7far\u00eb ndryshon nga rast n\u00eb rast nuk \u00ebsht\u00eb sistemi, por shkalla e p\u00ebrgatitjes suaj.<\/p>\n\n\n\n

Ky udh\u00ebzues ju ndihmon t\u00eb kuptoni se \u00e7far\u00eb ndodh pas skenave kur hapni llogari, kryeni pagesa apo merrni fonde nga jasht\u00eb vendit, dhe \u00e7far\u00eb duhet t\u00eb keni gati q\u00eb procesi t\u00eb kaloj\u00eb pa probleme.<\/p>\n\n\n\n

Si funksionon sistemi i verifikimit financiar<\/h2>\n\n\n\n

\u00c7do bank\u00eb dhe shum\u00eb institucione t\u00eb tjera, si noter\u00ebt, kontabilist\u00ebt dhe agjent\u00ebt e pasurive t\u00eb paluajtshme, operojn\u00eb sipas kuadrit nd\u00ebrkomb\u00ebtar t\u00eb verifikimit t\u00eb klient\u00ebve. Ky kuad\u00ebr \u00ebsht\u00eb i nj\u00ebjti n\u00eb t\u00eb gjitha vendet europiane dhe Shqip\u00ebria e zbaton at\u00eb n\u00ebp\u00ebrmjet ligjit nr. 9917, dat\u00eb 19.5.2008<\/a>, i ndryshuar me ligjet e m\u00ebvonshme, p\u00ebrfshir\u00eb ndryshimet e vitit 2026.<\/p>\n\n\n\n

Sistemi nd\u00ebrtoi dy parime kryesore mbi t\u00eb cilat funksionon. Parimi i par\u00eb \u00ebsht\u00eb identifikimi. \u00c7do institucion financiar duhet t\u00eb dij\u00eb me siguri me k\u00eb po punon, cili \u00ebsht\u00eb burimi i fondeve dhe cili \u00ebsht\u00eb q\u00ebllimi i transaksionit. Parimi i dyt\u00eb \u00ebsht\u00eb monitorimi i vazhduesh\u00ebm. Transaksionet e kryera duhet t\u00eb jen\u00eb t\u00eb q\u00ebndrueshme me profilin e klientit dhe me aktivitetin e deklaruar.<\/p>\n\n\n\n

Kur dyja k\u00ebto kushte plot\u00ebsohen, procesi \u00ebsht\u00eb i shpejt\u00eb. Kur nj\u00ebra prej tyre mungon, verifikimi shtyhet deri sa situata t\u00eb qart\u00ebsohet.<\/p>\n\n\n\n

Sistemin e zbatojn\u00eb jo vet\u00ebm bankat. Edhe noter\u00ebt, kontabilist\u00ebt, agjent\u00ebt e pasurive t\u00eb paluajtshme, avokat\u00ebt kur kryejn\u00eb veprime financiare p\u00ebr klient\u00ebt e tyre dhe shum\u00eb kategori t\u00eb tjera i n\u00ebnshtrohen t\u00eb nj\u00ebjtave detyrime verifikimi. Kjo do t\u00eb thot\u00eb se kontrolli mbi burimin dhe destinacionin e fondeve nuk ndodh vet\u00ebm kur shkoni n\u00eb bank\u00eb.<\/p>\n\n\n\n

\n Request a Free Consultation<\/a>\n<\/div>\n\n\n\n

Opening a bank account<\/h2>\n\n\n\n

Hapja e llogaris\u00eb bankare \u00ebsht\u00eb momenti i par\u00eb ku ndiheni me efektet konkrete t\u00eb sistemit dhe, shpesh, momenti ku bizneset dhe individ\u00ebt hasin befasi t\u00eb panevojshme. Befasit\u00eb vijn\u00eb nga mungesa e dokumentacionit dhe jo nga kompleksiteti i sistemit.<\/p>\n\n\n\n

Individuals<\/h3>\n\n\n\n

Banka k\u00ebrkon kart\u00eb identiteti ose pasaport\u00eb t\u00eb vlefshme, dokumentin e vendbanimit dhe, sipas institucionit, d\u00ebshmi t\u00eb burimit t\u00eb t\u00eb ardhurave si kontrat\u00eb pune ose deklarat\u00eb tatimore. Disa banka k\u00ebrkojn\u00eb edhe ekstrakt llogarie nga institucioni i m\u00ebparsh\u00ebm n\u00ebse keni historik t\u00eb m\u00ebparsh\u00ebm bankar.<\/p>\n\n\n\n

Personat juridik\u00eb<\/h3>\n\n\n\n

Dokumentacioni \u00ebsht\u00eb m\u00eb i gjer\u00eb. K\u00ebrkohen ekstrakti i QKB-s\u00eb jo me shum\u00eb se 30 dit\u00eb, statuti i shoq\u00ebris\u00eb, NIPT-i, dokumenti i identifikimit t\u00eb administratorit dhe dokumentacioni i pronarit p\u00ebrfitues.<\/p>\n\n\n\n

Pronari p\u00ebrfitues \u00ebsht\u00eb personi fizik q\u00eb, drejtp\u00ebrdrejt ose t\u00ebrthorazi, zot\u00ebron ose kontrollon kompanin\u00eb. N\u00ebse kompania juaj ka aksionar\u00eb t\u00eb tjer\u00eb kompani, banka ndjek zinxhirin e pron\u00ebsis\u00eb deri tek individi i fundit. N\u00ebse kjo struktur\u00eb nuk \u00ebsht\u00eb e dokumentuar qart\u00eb, procesi ngec, pavar\u00ebsisht nga sa e mir\u00eb \u00ebsht\u00eb marr\u00ebdh\u00ebnia juaj me bank\u00ebn.<\/p>\n\n\n\n

N\u00ebse keni aksionar\u00eb t\u00eb huaj, shtoni dokumentet e tyre t\u00eb identifikimit t\u00eb noterizuara dhe, n\u00ebse k\u00ebrkohet, me apostil\u00eb.<\/p>\n\n\n\n

Koha e procesimit ndryshon. Llogarit\u00eb e individ\u00ebve zakonisht hapen brenda dit\u00ebs. Ato t\u00eb personave juridik\u00eb, sidomos me struktur\u00eb pron\u00ebsie nd\u00ebrkomb\u00ebtare, mund t\u00eb k\u00ebrkojn\u00eb 3 deri n\u00eb 7 dit\u00eb pune.<\/p>\n\n\n\n

Read also: 10 Steps Businesses Must Follow After Initial Registration.<\/a><\/p>\n\n\n\n

Pagesat hyr\u00ebse nga jasht\u00eb vendit<\/h2>\n\n\n\n

Kur merrni fonde nga jasht\u00eb vendit, banka vler\u00ebson transfert\u00ebn duke u bazuar n\u00eb disa kritere: identitetin e d\u00ebrguesit, vendin prej nga vjen pagesa, vler\u00ebn e transfert\u00ebs dhe pajtueshm\u00ebrin\u00eb e saj me aktivitetin tuaj t\u00eb deklaruar.<\/p>\n\n\n\n

N\u00ebse jeni biznes me klient\u00eb t\u00eb huaj dhe keni historik transaksionesh, banka ju njeh si profil me aktivitet nd\u00ebrkomb\u00ebtar dhe shumica e pagesave kalojn\u00eb pa nd\u00ebrprerje. N\u00ebse merrni fonde p\u00ebr her\u00eb t\u00eb par\u00eb, me vler\u00eb t\u00eb lart\u00eb dhe pa historik transaksionesh, banka do t\u00eb k\u00ebrkoj\u00eb dokumentacion justifikues.<\/p>\n\n\n\n

\u00c7far\u00eb duhet t\u00eb keni gati: kontrat\u00ebn ose marr\u00ebveshjen me pal\u00ebn e huaj, fatur\u00ebn p\u00ebrkat\u00ebse t\u00eb l\u00ebshuar dhe korrespondenc\u00ebn tregtare q\u00eb d\u00ebshmon marr\u00ebdh\u00ebnien. N\u00ebse b\u00ebhet fjal\u00eb p\u00ebr t\u00eb ardhura personale si honorar\u00eb, divident\u00eb apo fitim kapital nga shitja e pasuris\u00eb, dokumenti justifikues i burimit \u00ebsht\u00eb thelb\u00ebsor.<\/p>\n\n\n\n

Kur prisni nj\u00eb transfert\u00eb t\u00eb madhe ose t\u00eb par\u00eb nga nj\u00eb partner i huaj, njoftoni bank\u00ebn tuaj paraprakisht dhe paraqisni kontrat\u00ebn ose fatur\u00ebn. Ky veprim e shkurton ndjesh\u00ebm koh\u00ebn e verifikimit.<\/p>\n\n\n\n

N\u00ebse banka vendos t\u00eb pezulloj\u00eb transfert\u00ebn, pezullimi mund t\u00eb zgjas\u00eb deri n\u00eb 72 or\u00eb. Pas k\u00ebsaj periudhe, n\u00eb munges\u00eb t\u00eb nj\u00eb vendimi formal bllokimi nga autoriteti kompetent, transferta vazhdon automatikisht.<\/p>\n\n\n\n

Read also: Tatimi Zero deri n\u00eb 2029 n\u00eb Shqip\u00ebri: Kush P\u00ebrfiton dhe Si Funksionon.<\/a><\/p>\n\n\n\n

Pagesat dal\u00ebse jasht\u00eb vendit<\/h2>\n\n\n\n

Kur transferoni fonde jasht\u00eb vendit, banka shqyrton destinacionin, vler\u00ebn dhe arsyen e transaksionit.<\/p>\n\n\n\n

P\u00ebr pagesat e biznesit, dokumenti baz\u00eb \u00ebsht\u00eb fatura tatimore dhe kontrata me pal\u00ebn e huaj. N\u00ebse pagesa ka t\u00eb b\u00ebj\u00eb me importin e mallrave, dokumentet doganore plot\u00ebsojn\u00eb dosjen. N\u00ebse pagesa ka t\u00eb b\u00ebj\u00eb me sh\u00ebrbime t\u00eb marra, kontrata dhe fatura jan\u00eb t\u00eb mjaftueshme n\u00eb shumic\u00ebn e rasteve.<\/p>\n\n\n\n

Kufizim formal mbi vler\u00ebn e transfertave dal\u00ebse nuk ekziston si rregull i p\u00ebrgjithsh\u00ebm. \u00c7do bank\u00eb aplikon procedura verifikimi proporcionale me vler\u00ebn dhe destinacionin. Transfertat e m\u00ebdha drejt vendeve me rrezik t\u00eb lart\u00eb kalojn\u00eb n\u00ebp\u00ebr shtresa shtes\u00eb kontrolli dhe k\u00ebrkojn\u00eb dokumentacion m\u00eb t\u00eb plot\u00eb.<\/p>\n\n\n\n

Individ\u00ebt q\u00eb transferojn\u00eb vlera t\u00eb konsiderueshme duhet t\u00eb jen\u00eb t\u00eb p\u00ebrgatitur t\u00eb shpjegojn\u00eb burimin. N\u00ebse fondet vijn\u00eb nga shitja e pasuris\u00eb, trash\u00ebgimia ose kursime t\u00eb akumuluara, dokumentacioni justifikues e b\u00ebn procesin t\u00eb qart\u00eb dhe t\u00eb shpejt\u00eb.<\/p>\n\n\n\n

\n Request a Free Consultation<\/a>\n<\/div>\n\n\n\n

Depozitat n\u00eb cash<\/h2>\n\n\n\n

Depozitat e m\u00ebdha n\u00eb para fizike jan\u00eb kategoria me kontrollin m\u00eb t\u00eb rrept\u00eb. \u00c7do depozit\u00eb cash me vler\u00eb t\u00eb barabart\u00eb ose mbi 1,500,000 lek\u00eb aktivizon automatikisht procedur\u00ebn e raportimit t\u00eb bank\u00ebs pran\u00eb autoritetit kompetent. Kjo nuk do t\u00eb thot\u00eb se depozita refuzohet. Do t\u00eb thot\u00eb se banka ka detyrim ligjor ta raportoj\u00eb dhe, n\u00ebse ka pyetje, t\u00eb k\u00ebrkoj\u00eb shpjegim mbi burimin.<\/p>\n\n\n\n

N\u00ebse jeni biznes me ark\u00eb fizike, si restorantet, tregti me pakic\u00eb, stacionet e karburantit apo \u00e7do aktivitet tjet\u00ebr me pagesa direkte, banka me kalimin e koh\u00ebs ju njeh si profil me aktivitet cash dhe verifikimi b\u00ebhet rutin\u00eb. \u00c7el\u00ebsi \u00ebsht\u00eb t\u00eb mbani evidenca t\u00eb rregullta t\u00eb ark\u00ebtimit dhe librin e ark\u00ebs t\u00eb p\u00ebrdit\u00ebsuar.<\/p>\n\n\n\n

N\u00ebse depozitoni cash n\u00eb raste m\u00eb t\u00eb rralla dhe me vlera t\u00eb papritura, banka do t\u00eb pyes\u00eb. Dokumenti justifikues i burimit, qoft\u00eb fatur\u00eb, kontrat\u00eb shitjeje ose \u00e7do evidenc\u00eb tjet\u00ebr, e zgjidh situat\u00ebn shpejt.<\/p>\n\n\n\n

Mbajtja e cash-it t\u00eb grumbulluar dhe depozitimi i tij nj\u00ebher\u00ebsh, pa evidenc\u00eb ark\u00ebtimi, \u00ebsht\u00eb pik\u00ebrisht skenari q\u00eb krijon vonesat dhe pyetjet e panevojshme.<\/p>\n\n\n\n

Blerja e pron\u00ebs<\/h2>\n\n\n\n

Transaksionet e pasurive t\u00eb paluajtshme i n\u00ebnshtrohen verifikimit t\u00eb shtuar, dhe kjo shpesh befason bler\u00ebsit q\u00eb mendojn\u00eb se procesi mbaron me marr\u00ebveshjen mes pal\u00ebve.<\/p>\n\n\n\n

Zyra Qendrore e Regjistrimit t\u00eb Pasurive t\u00eb Paluajtshme raporton brenda 72 or\u00ebve \u00e7do kontrat\u00eb tjet\u00ebrsimi me vler\u00eb t\u00eb barabart\u00eb ose mbi 6,000,000 lek\u00eb. Noteria, si subjekt i sistemit t\u00eb verifikimit, ka detyrime t\u00eb ngjashme.<\/p>\n\n\n\n

Kur blini ose shisni pron\u00eb, duhet t\u00eb jeni gati t\u00eb shpjegoni burimin e fondeve. N\u00ebse blerja financohet me kredi bankare, procesi \u00ebsht\u00eb i drejtp\u00ebrdrejt\u00eb sepse banka ka kryer vet\u00eb verifikimin e saj. N\u00ebse pagesa b\u00ebhet me fonde proprie, duhet t\u00eb provoni se ato jan\u00eb akumuluar n\u00eb m\u00ebnyr\u00eb t\u00eb rregullt. Dokumentet tipike jan\u00eb deklaratat tatimore t\u00eb viteve t\u00eb fundit, ekstraktet e llogaris\u00eb bankare, kontrata e shitjes s\u00eb pasuris\u00eb s\u00eb m\u00ebparshme ose dokumentacioni i trash\u00ebgimis\u00eb.<\/p>\n\n\n\n

N\u00ebse bler\u00ebsi \u00ebsht\u00eb shtetas i huaj ose kompani me pron\u00ebsi t\u00eb huaj, verifikimi \u00ebsht\u00eb akoma m\u00eb i detajuar dhe k\u00ebrkon dokumentimin e plot\u00eb t\u00eb zinxhirit t\u00eb pron\u00ebsis\u00eb.<\/p>\n\n\n\n

Mos lini dokumentacionin financiar p\u00ebr dit\u00ebn e n\u00ebnshkrimit. Filloni mbledhjen e dokumenteve 2-3 jav\u00eb p\u00ebrpara dhe konsultohuni me kontabilistin tuaj p\u00ebr t\u00eb siguruar se deklaratat tatimore jan\u00eb t\u00eb azhurnuara.<\/p>\n\n\n\n

Read also: Si Hapin Biznes, Punojn\u00eb dhe Q\u00ebndrojn\u00eb Ligj\u00ebrisht t\u00eb Huajt n\u00eb Shqip\u00ebri. <\/a><\/p>\n\n\n\n

Vendet nga vijn\u00eb pagesat dhe zonat me rrezik t\u00eb lart\u00eb<\/h2>\n\n\n\n

Sistemi vler\u00ebson jo vet\u00ebm shum\u00ebn dhe burimin e fondeve, por edhe vendin prej nga vijn\u00eb.<\/p>\n\n\n\n

Ekzistojn\u00eb dy kategori vendesh q\u00eb aktivizojn\u00eb procedura shtes\u00eb. Kategoria e par\u00eb jan\u00eb vendet me rrezik t\u00eb lart\u00eb sipas listave nd\u00ebrkomb\u00ebtare t\u00eb organizatave si FATF (Grupi i Veprimit Financiar Nd\u00ebrkomb\u00ebtar)<\/a>. Transaksionet me k\u00ebto vende nuk bllokohen automatikisht, por i n\u00ebnshtrohen verifikimit m\u00eb t\u00eb rrept\u00eb dhe k\u00ebrkojn\u00eb dokumentacion t\u00eb plot\u00eb. Kategoria e dyt\u00eb jan\u00eb vendet ndaj t\u00eb cil\u00ebve jan\u00eb vendosur sanksione nd\u00ebrkomb\u00ebtare t\u00eb Bashkimit Europian ose Kombeve t\u00eb Bashkuara. P\u00ebr k\u00ebto, transaksionet mund t\u00eb bllokohen t\u00ebr\u00ebsisht.<\/p>\n\n\n\n

N\u00ebse partneri juaj tregtar ndodhet n\u00eb nj\u00eb vend me rrezik t\u00eb lart\u00eb, kjo nuk e b\u00ebn bashk\u00ebpunimin t\u00eb pamundur. E b\u00ebn t\u00eb domosdoshme dokumentacionin e plot\u00eb dhe procesin pak m\u00eb t\u00eb gjat\u00eb.<\/p>\n\n\n\n

Shqip\u00ebria sot: ku q\u00ebndrojm\u00eb n\u00eb syt\u00eb nd\u00ebrkomb\u00ebtar\u00eb<\/h3>\n\n\n\n

Kjo pik\u00eb ka r\u00ebnd\u00ebsi t\u00eb drejtp\u00ebrdrejt\u00eb p\u00ebr bizneset shqiptare me aktivitet nd\u00ebrkomb\u00ebtar dhe p\u00ebr investitor\u00ebt e huaj.<\/p>\n\n\n\n

Shqip\u00ebria u shtua n\u00eb list\u00ebn e vendeve n\u00ebn monitorim t\u00eb shtuar nd\u00ebrkomb\u00ebtar nga FATF-i n\u00eb shkurt 2020<\/a>. Kjo pati pasoja konkrete: disa banka nd\u00ebrkomb\u00ebtare aplikonin procedura shtes\u00eb p\u00ebr transaksionet me Shqip\u00ebrin\u00eb dhe disa partner\u00eb t\u00eb huaj hezitanin.<\/p>\n\n\n\n

Ky kapitull \u00ebsht\u00eb mbyllur. N\u00eb qershor 2023, Shqip\u00ebria u hoq zyrtarisht nga kjo list\u00eb. Sot Shqip\u00ebria nuk klasifikohet si zon\u00eb me rrezik t\u00eb shtuar. Ky ndryshim ka pasoja konkrete pozitive: bizneset shqiptare me aktivitet nd\u00ebrkomb\u00ebtar hasin kontrolle t\u00eb barasvlershme me ato t\u00eb vendeve t\u00eb tjera europiane.<\/p>\n\n\n\n

Mbetet fakt se disa banka europiane, sidomos ato t\u00eb rajonit verior, vazhdojn\u00eb me kujdes shtes\u00eb p\u00ebr arsye institucionale. Kjo pritet t\u00eb normalizohet nd\u00ebrsa reputacioni konsolidohet dhe projektet e reform\u00ebs ligjore jep efekte.<\/p>\n\n\n\n

Kriptovalutat<\/h2>\n\n\n\n

Kriptovalutat jan\u00eb zon\u00eb me rregullim ende n\u00eb zhvillim n\u00eb Shqip\u00ebri dhe gjetiu. Bankat shqiptare nuk pranojn\u00eb transaksione direkte me kriptovaluta.<\/p>\n\n\n\n

N\u00ebse keni fitime nga kriptovaluta dhe doni t’i depozitoni si lek\u00eb ose euro, duhet t\u00eb kaloni n\u00ebp\u00ebr platforma t\u00eb ligjshme konvertimi dhe t\u00eb keni dokumentacion t\u00eb plot\u00eb mbi burimin, dat\u00ebn e blerjes fillestare dhe vler\u00ebn e konvertimit. Pa k\u00ebt\u00eb dokumentacion, banka nuk mund t’i pranoj\u00eb fondet.<\/p>\n\n\n\n

Bizneset q\u00eb operojn\u00eb me kriptovaluta si m\u00ebnyr\u00eb pagese duhet t\u00eb konsultohen me ekspert financiar p\u00ebrpara se t\u00eb hapin llogarin\u00eb bankare ose t\u00eb kryejn\u00eb transaksione t\u00eb tilla.<\/p>\n\n\n\n

Read also: Tregu i kripto-aseteve: p\u00ebrfitimet, rreziqet dhe pse po rregullohet edhe n\u00eb Shqip\u00ebri. <\/a><\/p>\n\n\n\n

Kur banka k\u00ebrkon di\u00e7ka m\u00eb shum\u00eb: vigjilenca e zgjeruar<\/h2>\n\n\n\n

Jo \u00e7do klient dhe jo \u00e7do transaksion trajtohen me t\u00eb nj\u00ebjt\u00ebn procedur\u00eb. Ekzistojn\u00eb situata ku banka aplikon automatikisht shtres\u00eb shtes\u00eb verifikimi.<\/p>\n\n\n\n

Vigjilenca e zgjeruar aktivizohet kryesisht n\u00eb kat\u00ebr raste. I pari \u00ebsht\u00eb kur klienti klasifikohet si person i ekspozuar politikisht, pra funksionar publik i lart\u00eb ose i af\u00ebrt me t\u00eb. I dyti \u00ebsht\u00eb kur transaksionet kryhen me klient\u00eb jorezident\u00eb. I treti \u00ebsht\u00eb kur kryhen transaksione komplekse ose t\u00eb pazakonta pa q\u00ebllim ekonomik t\u00eb qart\u00eb. I kat\u00ebrti \u00ebsht\u00eb kur klienti vjen nga vende me rrezik t\u00eb shtuar nd\u00ebrkomb\u00ebtarisht.<\/p>\n\n\n\n

N\u00eb k\u00ebto raste, banka k\u00ebrkon pranin\u00eb fizike t\u00eb klientit, deklarat\u00ebn e burimit t\u00eb pasuris\u00eb dhe monitorim t\u00eb vazhduesh\u00ebm t\u00eb marr\u00ebdh\u00ebnies. Institucioni nuk mund ta vazhdoj\u00eb marr\u00ebdh\u00ebnien n\u00ebse k\u00ebto kushte nuk plot\u00ebsohen.<\/p>\n\n\n\n

N\u00ebse jeni ose keni qen\u00eb funksionar publik, ose n\u00ebse partneri juaj tregtar i p\u00ebrket k\u00ebsaj kategorie, informohuni paraprakisht mbi dokumentacionin shtes\u00eb dhe llogarisni koh\u00ebn e shtuar p\u00ebr procesim.<\/p>\n\n\n\n

\n Request a Free Consultation<\/a>\n<\/div>\n\n\n\n

\u00c7far\u00eb dokumentacioni duhet t\u00eb keni<\/h2>\n\n\n\n

Pavar\u00ebsisht n\u00ebse jeni duke hapur llogari, duke marr\u00eb pagesa nd\u00ebrkomb\u00ebtare apo duke bler\u00eb pron\u00eb, disa dokumente duhet t’i keni gjithmon\u00eb t\u00eb organizuara.<\/p>\n\n\n\n

Bizneset duhet t\u00eb ken\u00eb gati kontratat aktive me klient\u00ebt dhe furnitor\u00ebt, faturat tatimore t\u00eb l\u00ebshpara dhe t\u00eb marra, ekstraktet bankare t\u00eb 12 muajve t\u00eb fundit, deklaratat tatimore vjetore, dokumentacionin e plot\u00eb t\u00eb pronarit p\u00ebrfitues dhe \u00e7do ndryshim t\u00eb azhurnuar n\u00eb QKB.<\/p>\n\n\n\n

Individ\u00ebt kan\u00eb nevoj\u00eb p\u00ebr dokumentin e identifikimit t\u00eb vlefsh\u00ebm, d\u00ebshmin\u00eb e burimit t\u00eb t\u00eb ardhurave dhe ekstraktet bankare.<\/p>\n\n\n\n

N\u00ebse keni struktur\u00eb nd\u00ebrkomb\u00ebtare, shtoni dokumentet e identifikimit t\u00eb aksionar\u00ebve t\u00eb huaj t\u00eb noterizuara dhe, n\u00ebse k\u00ebrkohet, t\u00eb apostiluara, struktur\u00ebn e zinxhirit t\u00eb pron\u00ebsis\u00eb dhe kontratat e bashk\u00ebpunimit me partner\u00ebt e huaj.<\/p>\n\n\n\n

Deklaratat tatimore t\u00eb azhurnuara jan\u00eb themeli i \u00e7do verifikimi. N\u00ebse deklaratat nuk jan\u00eb dor\u00ebzuar ose jan\u00eb me mang\u00ebsi, procesi i \u00e7do transaksioni b\u00ebhet shum\u00eb her\u00eb m\u00eb i komplikuar.<\/p>\n\n\n\n

Gjithashtu, kur ndodhin ndryshime organizative si ndryshimi i administratorit, adres\u00ebs ose struktur\u00ebs s\u00eb pron\u00ebsis\u00eb, njoftojeni bank\u00ebn menj\u00ebher\u00eb. T\u00eb dh\u00ebnat e vjet\u00ebruara jan\u00eb nd\u00ebr shkaqet kryesore t\u00eb vonesave t\u00eb panevojshme.<\/p>\n\n\n\n

Read also<\/h2>\n\n\n\n

Read also: Shmangia e tatimit t\u00eb dyfisht\u00eb: udh\u00ebzues p\u00ebr bizneset me aktivitet nd\u00ebrkomb\u00ebtar. <\/a><\/p>\n\n\n\n

Frequently Asked Questions (FAQ)<\/h2>\n\n\n\n

M\u00eb posht\u00eb jan\u00eb pyetjet q\u00eb bizneset dhe individ\u00ebt na b\u00ebjn\u00eb m\u00eb shpesh rreth llogarive bankare, pagesave dhe dokumentacionit financiar.<\/p>\n\n\n\n

Pse banka k\u00ebrkon dokumente edhe pse jam klient i vjet\u00ebr?<\/strong><\/h3>\n\n\n\n

Sistemi i verifikimit \u00ebsht\u00eb i vazhduesh\u00ebm, jo vet\u00ebm fillestar. Kur profili juaj ndryshon, vlerat e transaksioneve rriten ose lloji i aktivitetit ndryshon, banka ri-vler\u00ebson automatikisht. Kjo nuk \u00ebsht\u00eb shenj\u00eb dyshimi. \u00cbsht\u00eb procedur\u00eb standarde.<\/p>\n\n\n\n

Sa koh\u00eb mund t\u00eb pezullohet nj\u00eb transfert\u00eb?<\/strong><\/h3>\n\n\n\n

Deri n\u00eb 72 or\u00eb. Pas k\u00ebsaj periudhe, n\u00ebse nuk ka vendim formal bllokimi nga autoriteti kompetent, transferta vazhdon automatikisht. Ligji e parashikon k\u00ebt\u00eb afat si mbrojtje t\u00eb t\u00eb dyja pal\u00ebve.<\/p>\n\n\n\n

N\u00ebse paguaj detyrimet tatimore rregullisht, a jam i mbrojtur automatikisht?<\/strong><\/h3>\n\n\n\n

Respektimi i detyrimeve tatimore \u00ebsht\u00eb tregues i r\u00ebnd\u00ebsish\u00ebm i aktivitetit t\u00eb rregullt, por nuk z\u00ebvend\u00ebson dokumentacionin e \u00e7do transaksioni konkret. Banka vler\u00ebson burimin e fondeve rast pas rasti.<\/p>\n\n\n\n

A mund t\u00eb refuzoj\u00eb banka t\u00eb hap\u00eb llogarin\u00eb time?<\/strong><\/h3>\n\n\n\n

Po. N\u00ebse k\u00ebrkesat e dokumentacionit nuk plot\u00ebsohen, banka ka t\u00eb drejt\u00eb t\u00eb refuzoj\u00eb hapjen. Ka detyrimin t’iu tregoj\u00eb n\u00eb terma t\u00eb p\u00ebrgjithsh\u00ebm se \u00e7far\u00eb mungon, edhe n\u00ebse nuk mund t\u00eb zbuloj\u00eb detaje t\u00eb m\u00ebtejshme.<\/p>\n\n\n\n

N\u00ebse fondet vijn\u00eb nga trash\u00ebgimia, \u00e7far\u00eb duhet?<\/strong><\/h3>\n\n\n\n

Trash\u00ebgimia \u00ebsht\u00eb burim legjitim dhe i dokumentuesh\u00ebm. Keni nevoj\u00eb p\u00ebr vendimin gjyq\u00ebsor t\u00eb trash\u00ebgimis\u00eb ose testamentin e noterizuar dhe vler\u00ebsimin e pasuris\u00eb trash\u00ebgimore. Me k\u00ebt\u00eb dokumentacion, procesi \u00ebsht\u00eb standard.<\/p>\n\n\n\n

A mund t\u00eb d\u00ebrgoj para jasht\u00eb vendit si individ pa kufizime?<\/strong><\/h3>\n\n\n\n

Nuk ka kufizim formal mbi vler\u00ebn. Por transfertat e konsiderueshme aktivizojn\u00eb procedur\u00ebn e verifikimit dhe do t’iu k\u00ebrkohet t\u00eb shpjegoni burimin dhe q\u00ebllimin. Dokumentacioni i gatsh\u00ebm e b\u00ebn procesin t\u00eb shpejt\u00eb.<\/p>\n\n\n\n

\u00c7far\u00eb ndodh n\u00ebse ndryshoj administratorin e shoq\u00ebris\u00eb dhe nuk e njoftoj bank\u00ebn?<\/strong><\/h3>\n\n\n\n

Banka do ta zbuloj\u00eb ndryshimin gjat\u00eb verifikimit periodik dhe do t’iu k\u00ebrkoj\u00eb dokumentacionin e azhurnuar. Nd\u00ebrkoh\u00eb, transaksionet mund t\u00eb ngecin. Njoftimi proaktiv i bank\u00ebs kur ndodhin ndryshime organizative kursen koh\u00eb dhe shmangia e burokracis\u00eb s\u00eb panevojshme.<\/p>\n\n\n

Keni nevoj\u00eb t\u00eb organizoni dokumentacionin financiar t\u00eb biznesit tuaj?<\/h3>
<\/p>\n

Hapja e llogaris\u00eb bankare, marrja e pagesave nga jasht\u00eb vendit dhe organizimi i dokumentacionit financiar k\u00ebrkojn\u00eb p\u00ebrgatitje paraprake. Ekipi i AlProfit Consult<\/strong> mb\u00ebshtet klient\u00ebt tan\u00eb gjat\u00eb gjith\u00eb k\u00ebtij procesi: nga hartimi i dosjes deri te komunikimi me bank\u00ebn, pa surpriza dhe pa vonesa.<\/p>\n

\nRequest a free consultation<\/a><\/p>\n

\n✔ Hapje llogarie bankare  \u00b7  ✔ Organizim dokumentacioni financiar  \u00b7  ✔ Konsulenc\u00eb p\u00ebr pagesa nd\u00ebrkomb\u00ebtare<\/p>\n

Contact us: +355 69 323 2349<\/a>  \u00b7  andi.haxhillari@alprofitconsult.al<\/a><\/p>\n

\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"

Banka ju thot\u00eb se duhet t\u00eb prisni. Ose k\u00ebrkon nj\u00eb dokument tjet\u00ebr q\u00eb nuk e prisnit. Ose transferta juaj nga jasht\u00eb vendit pezullohet dhe asnj\u00eb punonj\u00ebs nuk ju jep shpjegim t\u00eb plot\u00eb. Kjo nuk ndodh rast\u00ebsisht dhe nuk \u00ebsht\u00eb shenj\u00eb e di\u00e7kaje t\u00eb gabuar. Shtetet dhe institucionet financiare n\u00eb t\u00eb gjith\u00eb bot\u00ebn ndjekin rregulla t\u00eb […]<\/p>\n","protected":false},"author":2,"featured_media":39121,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61,443],"tags":[215,912,913,136,707,914,911],"class_list":["post-39119","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-accounting","category-kryesore","tag-alprofit-consult","tag-dokumentacion-financiar","tag-hapje-llogarie","tag-llogari-bankare","tag-pagesa","tag-sistem-financiar","tag-transferta-nderkombetare"],"yoast_head":"\nLlogarit\u00eb bankare dhe transfertat: \u00e7far\u00eb k\u00ebrkon banka<\/title>\n<meta name=\"description\" content=\"Llogarit\u00eb bankare dhe pagesat nd\u00ebrkomb\u00ebtare: \u00e7far\u00eb k\u00ebrkon sistemi financiar, \u00e7far\u00eb dokumentacioni duhet dhe si ta kaloni procesin pa vonesa.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alprofitconsult.al\/en\/llogarite-bankare-pagesat-transfertat-cfare-kerkon-banka\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Llogarit\u00eb bankare dhe transfertat: \u00e7far\u00eb k\u00ebrkon banka\" \/>\n<meta property=\"og:description\" content=\"Llogarit\u00eb bankare dhe pagesat nd\u00ebrkomb\u00ebtare: \u00e7far\u00eb k\u00ebrkon sistemi financiar, \u00e7far\u00eb dokumentacioni duhet dhe si ta kaloni procesin pa vonesa.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alprofitconsult.al\/en\/llogarite-bankare-pagesat-transfertat-cfare-kerkon-banka\/\" \/>\n<meta property=\"og:site_name\" content=\"AlProfit Consult\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AlProfitConsult\/\" 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