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Addiko Bank Srbija review

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

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Our verdict

Addiko Bank Srbija suits Serbian residents who want a personal loan and a dinar savings account from the same bank, at the price of a hard credit check. Borrowing costs a 8.56% to 11.51% APR with a processing fee of 0 RSD (0% one-off loan processing fee) and terms of 12 to 71.

Key facts

Best for
Employed or pensioned Serbian residents who want a personal loan or a dinar savings account.
APR
8.56% to 11.51%↗
Loan amount
RSD 30,000 to RSD 3,000,000↗
Term
12 to 71 months↗
Arrangement fee
0 RSD (0% one-off loan processing fee)↗
Credit check
Hard↗
Funding time
Approval in 30 minutes↗
Representative example
Dinarski keš kredit 2 u 1: 1,200,000 RSD over 71 months, EKS 10.96%, total repayable 1,614,017.04 RSD, online application↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Employed or pensioned Serbian citizens resident in Serbia; min. 3 months with current employer; no approval for unemployed; non-residents not eligible↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗
Legal entity
Addiko Bank a.d. Beograd↗
Headquarters
Serbia↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
addiko.rs

Savings

Headline rate
3.85% to 5.57%↗
Minimum deposit
RSD 5,000↗
Access terms
Interest credited and paid at maturity; funds can be withdrawn early without a termination fee; no automatic rollover, no further top-ups↗
Monthly fee
RSD 0↗
Account kind
Fixed↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • A fixed rate on the loan and a fixed savings account, both priced in dinars.
  • A processing fee of 0 RSD (0% one-off loan processing fee) on the loan and a monthly account fee of RSD 0.
  • Speed: the feature list includes same day funding and the stated timing is Approval in 30 minutes.
  • Support runs on email, phone and help centre, and lending is direct rather than brokered.

Cons

  • Every application carries a hard credit check, so an imperfect credit file is the main obstacle to approval.
  • Eligibility stops at Serbian residents who are employed or pensioned, and non-residents are turned away.
  • Access terms pay interest at maturity and rule out automatic rollover and further top-ups, so extra savings added mid-term add nothing.
Addiko Bank Srbija

Ready to try Addiko Bank Srbija?

Scored 9.3 / 10 by SumCue.

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Who it suits

  • Savers who can leave the money untouched until maturity and start from the RSD 5,000 minimum deposit.
  • Borrowers who want a decision and money quickly, given same day funding and Approval in 30 minutes.

Who should look elsewhere

  • Non-residents of Serbia and applicants without income, who fall outside the eligibility rules; Cashspace sits in a different market.
  • Borrowers who want a lighter check than hard, for whom Sofkredit at 10.74% to 18.06% is the alternative to read.

How Addiko Bank Srbija compares

Where Addiko Bank Srbija is available

Available
Serbia

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

Frequently asked questions

What does a loan from Addiko Bank Srbija cost?+

The dinar cash loan carries an APR of 8.56% to 11.51%, held at a fixed rate, with a processing fee of 0 RSD (0% one-off loan processing fee) on the amount borrowed. That puts the top of the range below the personal loans median 14.43%.

Is there a monthly fee on the savings account?+

The dinar savings account carries a monthly fee of RSD 0, and you need a minimum deposit of RSD 5,000 to open it. Interest is credited and paid at maturity, so the balance stays put until the term ends unless you withdraw.

How does the savings account work?+

The dinar account is fixed with a headline rate of 3.85% to 5.57%. Interest is credited and paid at maturity, you can withdraw early without a termination fee, and there is no automatic rollover and no further top-ups.

Can I get the money the same day?+

The feature list includes same day funding, and the stated timing is Approval in 30 minutes. Applying online is part of the published dinar cash loan example, so a decision can come quickly on a complete file.

How much can I borrow and for how long?+

Loan amounts run RSD 30,000 to RSD 3,000,000 and terms run 12 to 71, covering personal and debt consolidation borrowing. Home improvement is the stated use case, and a worked dinar cash loan example is published with the total repayable.

Who am I dealing with, and what support is there?+

The provider trades as Addiko Bank a.d. Beograd with a headquarters in Serbia, and it lends directly rather than through a broker. Support runs on email, phone and help centre, so you can reach the bank by phone, email or the help centre.

How do the rates compare with other lenders?+

The 8.56% to 11.51% loan APR sits below the personal loans median of 14.43%. Sofkredit lists 10.74% to 18.06% and Cashspace PHP 12 to PHP 36, so the reading depends on the currency and market you borrow in.

Sources

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

    Backs: Headquarters, Legal entity, Support channels

    “Adresa centrale: Omladinskih brigada 90G, 11070 Beograd, Srbija”

  • addiko.rs/pregled-usluga-i-naknada checked September 26, 2026

    Backs: Funding time

    “Addiko keš kredite odobravamo za 30 minuta (we approve Addiko cash loans in 30 minutes)”

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

    Backs: Loan amount, Credit check, Eligibility, Features, Lender type, Use cases

    “Minimalni iznos kredita 30.000 rsd. Maksimalni iznos kredita je do 3.000.000 rsd (minimum loan amount 30,000 RSD, maximum up to 3,000,000 RSD)”

  • addiko.rs/stanovnistvo/krediti/dinarski-kes-kredit-2-u-1 checked September 26, 2026

    Backs: APR, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Dinarski keš kredit 2 u 1, effective annual rate (EKS) 8.56% (online, 2,000,000-5,000,000 RSD) to 11.51% (branch application, 1,200,000 RSD)”

  • addiko.rs/stanovnistvo/stednja/dinarska-stednja checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Monthly fee

    “Minimalni ulog je 5.000 RSD”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Addiko Bank Srbija

Addiko Bank Srbija

Employed or pensioned Serbian residents who want a personal loan or a dinar savings account.

9.3/10See alternatives