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ASA Banka review

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

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Our verdict

ASA Banka is a bank for adults in Bosnia and Herzegovina with term deposits starting at BAM 1,000 and personal loans on a fixed rate of 8.31%, below the site median of 15.5%. Savings and borrowing sit with the same institution, and the account carries a monthly fee of BAM 0.

Key facts

Best for
A domestic bank for fixed-rate term deposits, personal loans and a Mastercard debit card.
Monthly fee
BAM 0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
ASA Banka d.d. Sarajevo↗
Headquarters
Bosnia and Herzegovina↗
Founded
1957↗
Support channels
Phone, Help-centre↗
Official website
asabanka.ba

Loans

APR
8.31%↗
Loan amount
up to BAM 50,000↗
Term
up to 120 months↗
Representative example
Long-term unsecured personal loan of 50,000.00 KM over 36 months, effective annual rate (EKS) 8.31% including related costs and fees↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Accounts for adult citizens of Bosnia and Herzegovina; loan applicants need regular monthly income, and fixed-term employees must have at least 12 months with the same employer↗
Loan types
Personal, Cash-advance, Debt-consolidation, Credit-line, Secured, Student↗
Pricing model
Fixed rate

Savings

Minimum deposit
BAM 1,000↗
Access terms
Term savings in KM, EUR, USD or other listed currencies; option of automatic prolongation on expiry; deposits insured under the Deposit Insurance Law↗
Account kind
Fixed↗

Mortgages

Initial rate
3.29%↗
APRC
3.78%↗
Fixed period
10 years↗
Maximum loan to value
80%↗
Product fee
BAM 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 8 sources

Pros and cons

Pros

  • Personal loans of up to BAM 50,000 at a fixed rate of 8.31%, with terms of up to 120
  • Home loans at an initial rate of 3.29% and an annual percentage rate of 3.78%, with a product fee of BAM 0
  • Term deposits from BAM 1,000 in Comoros, EUR or USD, insured under the Deposit Insurance Law
  • Lending comes straight from the bank as a direct lender, alongside a Mastercard debit card for everyday spending

Cons

  • Support runs on phone and help centre only, so no email or live chat is listed
  • Accounts are for adult citizens of Bosnia and Herzegovina, and loan applicants need regular monthly income
  • The savings side is fixed and starts at BAM 1,000, so it does not suit savers who need access to their money
ASA Banka

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Adults in Bosnia and Herzegovina who want term deposits in Comoros, EUR or USD
  • Borrowers with a regular monthly income who prefer a fixed rate on personal loans
  • Homebuyers who want the rate held at 3.29% for a fixed period of 10

Who should look elsewhere

  • Anyone who is not an adult citizen of Bosnia and Herzegovina, since accounts are limited to that group
  • Savers who need instant access, as the savings account is fixed from BAM 1,000
  • People who want email or live chat help, since support runs on phone and help centre

Rates and card terms

ASA Banka's long-term personal loan runs at 8.31% on a fixed rate, with a term of up to 120. A fixed rate means the repayment stays the same from the first instalment to the last, so budgeting is straightforward. Taking the shortest workable term costs less overall, while the longest term spreads the same borrowing further and adds interest.

The company behind it

ASA Banka d.d. Sarajevo is headquartered in Bosnia and Herzegovina and has been trading since 1957. Support runs on phone and help centre, so you reach the bank by phone or through its help centre. Deposits, loans and cards all sit with the same institution, which matters if you would rather hold one relationship than several.

How ASA Banka compares

Where ASA Banka is available

Available
Bosnia and Herzegovina

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What rate do I pay on a personal loan?+

Long-term personal loans are priced at 8.31% on a fixed rate, with terms of up to 120. The bank shows an unsecured personal loan at that effective annual rate including related costs and fees, so the figure you compare is the all-in one. The site median for borrowing is 15.5%, so this sits below the wider market.

How much can I borrow and for how long?+

up to BAM 50,000 is available to borrow, and terms run to up to 120. ASA Banka is a direct lender, so the decision is made by the bank that holds your account rather than passed to a third party. Loan types include personal, cash advance, debt consolidation, credit line, secured and student lending.

What does a home loan cost?+

Home purchase and remortgage loans carry an initial rate of 3.29% and an annual percentage rate of 3.78%, fixed for 10. The product fee is BAM 0, and the maximum loan to value is 80% against a site median of 90%. Borrowing against a home is the main way to use the low headline rate.

How much do I need to save, and is my money protected?+

Term deposits start at BAM 1,000 and are fixed, so the money is tied up for a set period. Deposits are insured under the Deposit Insurance Law. You can hold the term in Comoros, EUR, USD or another listed currency, and set automatic prolongation on expiry if you would rather not move it yourself.

What card comes with the account?+

The card is debit and runs on the mastercard network, so it is a Mastercard debit card rather than a credit card. Spending draws straight on the account balance instead of building a separate card debt, and the account carries a monthly fee of BAM 0.

How do I get help?+

Support runs on phone and help centre, which means phone and a help centre, with no email or live chat listed. If you hold a home loan or a personal loan, the same phone and help centre cover questions on rates, repayments and early settlement. For a bank of this size that is a narrow set of routes if you prefer writing or messaging.

Who can open an account?+

ASA Banka (ASA Banka d.d. Sarajevo) is a domestic bank headquartered in Bosnia and Herzegovina, and accounts are for adult citizens of Bosnia and Herzegovina. Loan applicants also need a regular monthly income, and fixed-term employees need a minimum period with the same employer before the bank will consider them.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

ASA Banka

ASA Banka

A domestic bank for fixed-rate term deposits, personal loans and a Mastercard debit card.

9.4/10See alternatives