Banca Intesa Serbia review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Banca Intesa Serbia differs from debit cards that handle spending alone by joining card use with personal borrowing for purchases. It is a debit card choice for employees on permanent and fixed term contracts plus pensioners who want transactions and borrowing arranged through a direct lender.
Key facts
Loans
- Loan amount
- up to RSD 4,000,000↗
- Term
- up to 71 months↗
- Arrangement fee
- Processing fee (Naknada za obradu kredita), already included in the total amount the customer repays↗
- Credit check
- Hard↗
- Funding time
- as little as 15 minutes↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Employed permanently or on a fixed-term contract, or pensioner; at least 20 years old at application and not older than 68 at final repayment (pensioners: at least 55, not older than 79); minimum monthly salary 200 EUR↗
- Loan types
- Personal↗
- Credit needed
- Good↗
- Pricing model
- Fixed rate
Mortgages
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 9 sources
Pros
Pros
- Joins everyday debit spending with personal borrowing arranged for purchases
- Serves permanent staff, fixed term staff and pensioners seeking combined cover
Ready to try Banca Intesa Serbia?
Who it suits
- Employees wanting card spending joined to purchase borrowing
- Pensioners wanting card spending joined to direct borrowing
How Banca Intesa Serbia compares
Frequently asked questions
What does Banca Intesa Serbia provide alongside its debit card?+
Banca Intesa Serbia provides a debit card linked with personal borrowing for purchases through a direct lender. The card supports everyday transactions while the borrowing supports purchase plans. Buyers should weigh combined convenience against the responsibility of borrowing before choosing.
Who can apply for this card and linked borrowing?+
Applications suit people employed permanently, people employed on fixed term contracts, and pensioners. Good credit is needed and a hard credit check applies. Applicants should confirm employment standing and credit position align with these requirements before proceeding.
What kind of borrowing links to the debit card?+
The linked borrowing is personal borrowing intended for purchase purposes and arranged directly with the lender. Support is available through phone, email and a help centre. Borrowers should consider whether purchase borrowing matches plans and whether direct arrangement appeals.
Which company operates Banca Intesa Serbia?+
Banca Intesa Serbia is operated by Banca Intesa ad Beograd. (Source, checked September 26, 2026)
Where is Banca Intesa Serbia based?+
Banca Intesa Serbia is based in Serbia. (Source, checked September 26, 2026)
When was Banca Intesa Serbia founded?+
Banca Intesa Serbia was founded in 1991. (Source, checked September 26, 2026)
How can I contact Banca Intesa Serbia support?+
Banca Intesa Serbia offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- bancaintesa.rs checked September 26, 2026
Backs: Headquarters
“Banca Intesa Beograd”
- bancaintesa.rs/en/stanovnistvo/opsti-uslovi-poslovanja/na... checked September 26, 2026
Backs: Legal entity
“Tarifa_naknada_za_usluge_Banca_Intesa_ad_Beograd_za_fizicka_lica”
- bancaintesa.rs/en/stanovnistvo/stambeni-krediti/stambeni-... checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose
“Option 2: Fixed interest rate for the first 36 months of loan repayment 4.35% ... EKS from 5.04% to 5.15%”
- bancaintesa.rs/stanovnistvo/digitalno-bankarstvo/online-k... checked September 26, 2026
Backs: Credit check, Credit needed, Eligibility, Features, Funding time
- bancaintesa.rs/stanovnistvo/kontakt.html checked September 26, 2026
Backs: Support channels
“Kontakt Centar: + 381 11 3108888; Imejl podrška: kontaktcc@bancaintesa.rs; Pitanja i odgovori”
- bancaintesa.rs/stanovnistvo/krediti/potrosacki-krediti.html checked September 26, 2026
Backs: Loan amount, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Term
“Putem jednog Banca Intesa potrošačkog kredita možete istovremeno kupiti usluge i robu”
- bancaintesa.rs/stanovnistvo/nasa-grupa/ko-smo-mi.html checked September 26, 2026
Backs: Founded
- bancaintesa.rs/stanovnistvo/platne-kartice.html checked September 26, 2026
Backs: Card kind
“Odaberite platnu karticu | Banca Intesa”
- bancaintesa.rs/stanovnistvo/platne-kartice/debitne-kartic... checked September 26, 2026
Backs: Card type
“Debitne kartice | Banca Intesa”
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Banca Intesa Serbia
Household debit spending linked to purchase borrowing