AikBank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AikBank suits Serbia-based savers and borrowers who want easy access to money and a direct lending relationship from one bank. Its fixed-rate easy-access savings pays a 5% headline rate, and personal and debt-consolidation loans run at an APR of 10.15% with funding Within 1 hour of approval.
Key facts
- Best for
- Serbian residents wanting easy-access savings, a fee-free debit card or direct personal lending.
- Monthly fee
- RSD 0↗
- Card type
- Debit↗
- Card network
- Local↗
- Legal entity
- AIK Banka a.d. Beograd↗
- Headquarters
- Serbia↗
- Founded
- 1976↗
- Support channels
- Phone, Chat↗
- Features
- Multi-currency, Travel
- Official website
- aikbanka.rs
Loans
- APR
- 10.15%↗
- Loan amount
- RSD 200,000 to RSD 5,000,000↗
- Term
- 18 to 71 months↗
- Arrangement fee
- 0 RSD (salary transferred to an AikBank account); 1% or 8,000 RSD on an 800,000 RSD loan (no salary income)↗
- Credit check
- Hard↗
- Funding time
- Within 1 hour of approval↗
- Representative example
- Cash loan 800,000 RSD, 71 months, fixed NKS 8.45%, EKS 10.53%, 71 monthly instalments of 14,356.82 RSD↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Citizen of the Republic of Serbia, over 20 years old, creditworthy, permanently employed for at least 6 months (at least 3 months with current employer), resident of Serbia↗
- Origination fee (%)
- 0% to 1%↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
- Headline rate
- 5%↗
- Minimum deposit
- RSD 0↗
- Access terms
- Non stop savings: funds 100% available at sight, no lock-in, interest credited monthly; 5% EKS offer valid 12 months from contract date, representative example calculated on 15.09.2025↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- instagram.com
Pros and cons
Pros
- Easy-access savings keeps money accessible at sight, with no lock-in and interest credited monthly.
- The savings headline rate is 5% on a fixed rate model.
- The debit card carries a monthly fee of RSD 0 and is built for multi-currency and travel use.
- Loans come straight from the bank, with funding Within 1 hour of approval and an APR of 10.15%.
Cons
- Free early repayment is listed as no, so repaying a loan early is not cost free.
- Borrowing carries a credit check of hard.
- Support runs on phone and chat only, and the card runs on a local network.
Who it suits
- Serbian residents who want savings they can draw on at sight without a lock-in.
- People in Serbia after a personal or debt-consolidation loan arranged by the bank itself.
- Salaried workers, since the arrangement fee is waived when salary is paid into an AikBank account.
Who should look elsewhere
- People who want to clear a loan early at no extra cost, since free early repayment is listed as no.
- Travellers who need a global card network, since the AikBank card runs on a local network.
- Readers who want a euro account with a fee-free tier to compare, where bunq lists a monthly fee of €0.
Rates and terms
AikBank sets a fixed savings rate, with a 5% headline rate on an easy-access account. The stated terms say funds are accessible at sight, with no lock-in and interest credited monthly. Borrowing carries an APR of 10.15%, arranged by a direct lender for personal and debt-consolidation loans over terms of 18 to 71.
How AikBank compares
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Where AikBank is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does AikBank pay on easy-access savings?+
AikBank offers an easy-access savings account with a fixed rate and a 5% headline rate. The stated terms say funds stay accessible at sight, there is no lock-in, and interest is credited monthly. The account is listed as a easy access product.
How much does the AikBank debit card cost?+
The card is a debit card with a monthly fee of RSD 0. It suits multi-currency and travel use, and it runs on a local network rather than a global one. Support runs on phone and chat.
How much can I borrow from AikBank and for how long?+
Borrowing covers RSD 200,000 to RSD 5,000,000 over terms of 18 to 71. The cash loan is arranged directly by the bank, with a credit check of hard, and covers personal and debt-consolidation lending. Home improvement is the listed use case.
What does an AikBank loan cost to arrange?+
The arrangement fee is waived when salary is paid into an AikBank account, and a percentage or flat fee applies when there is no salary income. Borrowing runs at an APR of 10.15%, and the stated representative example shows the monthly instalment on a sample loan.
How fast is an approved AikBank loan funded?+
Funding time is Within 1 hour of approval, with the bank lending from its own book. The credit check is hard, so approval depends on a full credit assessment. The stated term range is 18 to 71.
Can I repay an AikBank loan early?+
Free early repayment is listed as no, so settling a loan ahead of schedule is not cost free. The cash loan runs at a fixed rate with a credit check of hard and terms of 18 to 71.
Who can borrow from AikBank?+
Borrowers must be citizens of Serbia, adults, creditworthy, permanently employed for a minimum period and resident in the country. AikBank has been a bank since 1976, and the lending sits with the same legal entity, AIK Banka a.d. Beograd.
How do I reach AikBank for help?+
Contact runs through phone and chat. A phone line and live chat are the listed channels, so questions about a card, savings or a loan can be raised directly with the bank that holds the account.
Sources
- aikbanka.rs/kontakt-centar checked September 26, 2026
Backs: Support channels
- aikbanka.rs/stanovnistvo/krediti/kes-kredit checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Representative example, Term, Use cases
“Iznos kredita: 200.000 - 5.000.000 RSD”
- aikbanka.rs/stanovnistvo/stednja/non-stop-stednja checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
- en.wikipedia.org/wiki/AikBank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“initially established in Niš in 1976”
- aikbank.rs/en/retail-clients/debit-cards checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“Debit cards”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
AikBank
Serbian residents wanting easy-access savings, a fee-free debit card or direct personal lending.