Alta Banka review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Alta banka pays 5.5% to 5.55% on fixed dinar savings, above the site median 3%, with terms of 6 to 18 months.
Key facts
- Best for
- Serbian savers after a fixed rate, plus anyone who needs a small personal loan the same day.
- Headline rate
- 5.5% to 5.55%↗
- Rate type
- Fixed↗
- Term
- 6 to 18 months↗
- Access terms
- Interest paid at maturity of the term↗
- Account kind
- Fixed↗
- Legal entity
- Alta banka a.d. Beograd↗
- Headquarters
- Serbia↗
- Support channels
- Email, Phone, Chat↗
- Pricing model
- Fixed rate
- Official website
- altabanka.rs
Loans
- APR
- 7.71%↗
- Loan amount
- RSD 15,000 to RSD 600,000↗
- Arrangement fee
- 0 RSD - no fee for processing the loan application↗
- Credit check
- Hard↗
- Funding time
- Under 30 minutes, disbursed online to the customer's account↗
- Representative example
- Online Cash Loan: RSD 600,000 over 71 months at fixed 7.45% nominal rate, no approval, promissory note or credit bureau fee, monthly instalment RSD 10,474.52, total repayment RSD 743,690.96, EKS 7.71%↗
- Lender type
- Direct lender↗
- Eligibility
- Personal ID card and permanent employment required; no existing dinar account at ALTA bank needed; employed by an entrepreneur may apply up to RSD 300,000↗
- Loan types
- Personal↗
- Features
- Same-day funding
Mortgages
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Headline rate of 5.5% to 5.55% sits above the site median 3%.
- No arrangement fee on the cash loan: 0 RSD - no fee for processing the loan application.
- Fast payout, with Under 30 minutes, disbursed online to the customer's account.
- Support runs on email, phone and chat.
Cons
- The account is a fixed deposit and Interest paid at maturity of the term, so the money is tied up for the term.
- Borrowing carries a hard credit check.
- Lending is limited to personal loans.
Who it suits
- Serbian households saving in dinar who want a set rate and can leave the money for the full term.
- Borrowers in Serbia who apply online and need the money the same day.
- People who prefer a bank in their own market over an app-first newcomer such as Wise.
Who should look elsewhere
- Savers who need access at any time: the account is a fixed deposit and Interest paid at maturity of the term.
- Borrowers with a thin credit file, as the cash loan runs a hard credit check.
- Savers after a wider rate spread, since Finteres lists 0% to 36% and Wise lists 3.29%.
Rates and terms
Savings pay a fixed rate of 5.5% to 5.55% over a term of 6 to 18 months, with fixed pricing held for the whole period. Borrowing is priced separately: the online cash loan carries an annual percentage rate of 7.71%. Two very different numbers, so the savings rate should not be read as the cost of the loan.
Who runs it
The provider is Alta banka a.d. Beograd, a bank headquartered in Serbia. It operates in a single market, and savings, a personal cash loan and a home loan sit under the same name rather than a group brand. Support runs on email, phone and chat, which serves questions on the savings side and the borrowing side alike.
How Alta Banka compares
Where Alta Banka is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Alta banka pay on its savings account?+
The dinar savings account pays 5.5% to 5.55% on a fixed basis, so the rate does not move while the term runs. You pick a term of 6 to 18 months when you open it, and the figure sits above the median 3% for savings on the site.
How long do I have to leave my money in the account?+
You choose a term of 6 to 18 months. The account is a fixed deposit rather than an instant access pot, and Interest paid at maturity of the term means there is no monthly credit while you wait. Plan for the money to be out of reach for the length you pick.
What fees does the account or loan carry?+
On the personal cash loan there is 0 RSD - no fee for processing the loan application, and the representative example lists no approval, promissory note or credit bureau fee on top. The home loan carries a product fee of RSD 0. On the savings side, the published rate is what you earn at maturity.
How quickly is a loan paid out?+
The cash loan is disbursed online, with Under 30 minutes, disbursed online to the customer's account. That means you do not wait days for a branch transfer, and the product is listed as same day funding. The application is handled as direct lender lending, so you deal with the bank rather than a broker.
What credit check do I need to pass?+
The cash loan runs a hard credit check, so your file is looked at in full before a decision. Applicants must hold photo identification and a permanent job, while banking with the bank beforehand is not required. The lending offered is personal loans.
How do I contact the bank?+
Support runs on email, phone and chat, so you can reach the team by phone, email or live chat without an appointment. The provider is Alta banka a.d. Beograd, based in Serbia, and handles savings, personal loans and home lending under a single name.
How does the rate compare with other providers?+
The 5.5% to 5.55% here is above the site median 3%, and higher than 3.29% at Wise or 3.01% at bunq. Finteres lists a wider spread of 0% to 36%, so a longer lock-up elsewhere may pay more.
What does the home mortgage offer?+
The home loan starts at an initial rate of 4.5% and carries a product fee of RSD 0. It is aimed at buyers, including purchase and first time buyer. Applications go through the same bank as the savings account, so support stays with Alta banka a.d. Beograd.
Sources
- altabanka.com/stanovnistvo/krediti-za-vas/stambeni-kredit checked September 26, 2026
Backs: Initial rate, Product fee, Purpose
“Home loan for your first property ... Interest rate in RSD with a currency clause in EUR - fixed interest rate: 4.5%”
- altabanka.rs checked September 26, 2026
Backs: Support channels
“Kontakt centar banke: +381 11 220 55 00, Telefon za blokadu kartice: +381 11 30 40 900, info@altabanka.rs”
- altabanka.rs/o-nama checked September 26, 2026
Backs: Headquarters, Legal entity
“ALTA banka a.d. Beograd (Beograd, Serbia)”
- altabanka.rs/stanovnistvo/kes checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Arrangement fee, Representative example
“Online Cash Loan - Loan amount: RSD 15.000,00 - 600.000,00 according to the customer's repayment capacity”
- altabanka.rs/stanovnistvo/stednja-kod-nas/dinarska-stednja checked September 26, 2026
Backs: Access terms, Account kind, Pricing model, Rate type
“Fiksna kamatna stopa.”
- altabanka.rs/stednja-sto-vise-to-bolje checked September 26, 2026
Backs: Headline rate, Term
“STANDARDNO OROČENJE - RSD, Rok 6m 12m 18m, Kamatna stopa 5,50% NKS, 5,55% EKS 5,50% EKS 5,52% EKS”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Deposit protection.
Related by the facts
Alta Banka
Serbian savers after a fixed rate, plus anyone who needs a small personal loan the same day.