Addiko Bank Crna Gora review

Addiko's savings pays 1.4% at a fixed rate on a fixed account. Interest can be paid out monthly or held until the end of the term. The median savings rate across compared brands is 3%, so this sits below the middle of the field.

Terms run 1 to 36 and the rate holds for that period. Terminating the account needs advance notice, and once given the balance earns the on-demand savings rate instead. Locking cash away is the price of the fixed return.

Balances are kept in euro only, so the account suits savers whose money is already in euros. Interest payout is optional and can be monthly or at the end of the term. Support runs on email, phone and help centre for anyone setting up or changing the account.

Yes. Addiko is a direct lender offering personal loans of €40,000 at an APR of 6.16%, aimed at home improvement. Applications get an answer within minutes (Application answer within minutes), and same-day funding is one of its listed features (same day funding).

The arrangement fee is free for online applications, which makes online the cheaper route. The branch product Super kes kredit adds a fee for anyone applying in person. Applicants must be Creditworthy residents of Montenegro, so the loan side is narrow.

The lending side is open to Creditworthy residents of Montenegro, and the bank runs from ME as Addiko Bank AD Podgorica. Savings terms are euro only, so the account is aimed at people already banking in the region rather than savers worldwide.

Addiko pays 1.4% on savings, against 3.01% at bunq and 3.29% at Wise. On rate it ranks 375 of 488 compared brands, which is why the lending terms matter more here than the savings rate.

Support runs on email, phone and help centre, so email, phone and a help centre are all listed. Terminating the savings account needs advance notice, so having the phone and email channels in place helps when a change has to happen at short notice.