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Addiko Bank mKredit review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Addiko mKredit suits existing Addiko customers after a salary lands in an Addiko account, offering a large personal loan at a fixed rate of 10.97% and no arrangement fee. Anyone outside that payroll relationship has no way in, so the deal is narrow but cheap for those already inside.

Key facts

Best for
Existing Addiko customers paid a salary into the account who want a large fixed rate loan with no arrangement fee
APR
10.97%↗
Loan amount
RSD 30,000 to RSD 1,200,000↗
Term
12 to 71 months↗
Arrangement fee
0 RSD - no fee for credit application processing, credit bureau report or bills↗
Credit check
Hard↗
Funding time
Paid to your Addiko account, fully online, same day: working days 07:30-21:00, weekends and holidays 07:30-19:00↗
Representative example
Addiko em-Kredit: 600,000 RSD over 71 months, 71 instalments of 11,366.32 RSD, fixed nominal rate 10.45%, EKS 10.97%, total cost of credit 207,008.53 RSD↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Existing Addiko bank customer with more than 3 salaries received into an Addiko account↗
Origination fee (%)
0%↗
Loan types
Personal↗
Legal entity
Addiko Bank a.d. Beograd↗
Headquarters
Serbia↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
addiko.com

Facts checked September 26, 2026, 2 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInyoutube.com

Pros and cons

Pros

  • No arrangement fee, with no charge for processing the application, the credit bureau report or bills.
  • Fixed rate of 10.97% over a term of 12 to 71.
  • Same day funding, paid fully online into an Addiko account.
  • Borrowing range of RSD 30,000 to RSD 1,200,000.

Cons

  • Eligibility is limited to existing Addiko bank customers with a run of salaries received into an Addiko account.
  • Branches and chat are not among its phone, email and help centre, so help comes by phone, by email or through the help centre.
Addiko Bank mKredit

Ready to try Addiko Bank mKredit?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Existing Addiko bank customers paid a salary into the account.
  • Borrowers who want a fixed rate and a clear term rather than a variable deal.
  • People who need a large sum and would rather not pay an arrangement fee.

Who should look elsewhere

  • Cashspace, if you want published rates of PHP 12 to PHP 36 in a different market.
  • Sofkredit, if a rate range of 10.74% to 18.06% suits you better than a single fixed rate.
  • Creduma ES, if you want a minimum loan amount of from €12,000.

Who runs it

mKredit comes from Addiko Bank a.d. Beograd, a bank based in Serbia. It is offered to the bank's own account holders, with the money paid into the Addiko account the salary arrives in. Support runs on phone, email and help centre, so help on the loan and the account is available by phone, by email or through the help centre.

How Addiko Bank mKredit compares

Where Addiko Bank mKredit is available

Available
Austria, Bosnia and Herzegovina, Croatia, Montenegro, Romania, Serbia, Slovenia
Licence in Austria
Financial Market Authority (FMA), Austria, with the European Central Bank, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Addiko mKredit charge?+

The mKredit personal loan runs at a fixed rate of 10.97% that stays the same across the whole 12 to 71 term. Pricing is fixed rather than variable, so the monthly instalment is predictable, and the bank's own representative example sets out the total cost of credit alongside the instalments.

Is there an arrangement fee?+

The arrangement fee is free, with no charge for processing a credit application, the credit bureau report or the bills you supply. The origination fee is 0% as well, so the fixed rate of 10.97% is the main thing a borrower pays for this loan.

How much can I borrow?+

Borrowing runs RSD 30,000 to RSD 1,200,000 for mKredit. The sum is a personal loan from Addiko Bank a.d. Beograd, a direct lender, and the money is paid into your own Addiko account. Term length and rate are set out and fixed once the agreement is signed.

How fast is the money paid out?+

Funding is same day and fully online, paid straight into your Addiko account, the same account the salary arrives in. Applications are handled across long daily and weekend windows, so the money can be in place without a branch visit.

Who can apply for mKredit?+

Borrowing is reserved for the bank's own customers: you need an Addiko account and a track record of salaries received into it. Eligibility is narrower than an open market lender, and a hard credit check (hard) runs on the application, so the search stays on file afterwards.

How can I get help on the loan?+

Support runs on phone, email and help centre, so questions about the loan, the application or the account it is paid into can be raised by phone, by email or through the help centre. The same channels cover the fixed rate of 10.97% and the 12 to 71 term once repayments start.

Who runs mKredit?+

The lender is Addiko Bank a.d. Beograd, a bank that lends directly rather than acting as a broker, and its home market is RS. One institution handles the application, the offer and the repayments, which keeps the agreement on a single name.

Who regulates the bank?+

The listed regulator is the Financial Market Authority (FMA) in Austria, with the European Central Bank named alongside it. Addiko Bank a.d. Beograd is the lending bank, based in Serbia, and it hands out personal loans rather than brokering them.

Sources

  • addiko.com/imprint checked September 26, 2026

    Backs: Licences

  • addiko.rs/o-nama/o-addiko-banci/osnovni-podaci-o-banci checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Loan types, Support channels

    “Registered seat of head office: Omladinskih brigada 90G, 11070 Beograd, Srbija”

  • addiko.rs/stanovnistvo/krediti/mkredit checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Loan amount - from 30.000 RSD to 1.200.000 RSD”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Addiko Bank mKredit

Addiko Bank mKredit

Existing Addiko customers paid a salary into the account who want a large fixed rate loan with no arrangement fee

9.3/10See alternatives