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Banca Intesa Srbija review

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

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Our verdict

Banca Intesa Srbija lends directly in Serbia, offering fixed rate personal loans with a ceiling of up to RSD 4,000,000 over a term of up to 71 and funding in as little as 15 minutes. A fit for earners with a good credit record who want a set rate and fast access to cash.

Key facts

Best for
Serbian earners with good credit who want a fixed rate and quick disbursement on a planned purchase.
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↗
Legal entity
Banca Intesa ad Beograd↗
Headquarters
Serbia↗
Founded
1991↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
bancaintesa.rs

Mortgages

Initial rate
4.35%↗
APRC
5.04% to 5.15%↗
Fixed period
3 years↗
Maximum loan to value
80%↗
Purpose
Purchase↗

Credit cards

Card kind
Credit↗

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • The rate is fixed, so instalments stay level across the up to 71 term
  • Speed: as little as 15 minutes once an application is approved, with same-day funding listed among the features
  • A direct lender rather than a broker, so Banca Intesa ad Beograd handles the application and the decision
  • The arrangement fee is a processing fee already included in the total amount you repay

Cons

  • The credit check is hard, so a missed payment elsewhere is weighed in the decision
  • Terms stop at up to 71, well short of the 480 maximum listed across the site
  • Support runs on phone, email and help centre only, with no live chat

Ready to try Banca Intesa Srbija?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Permanent employees, fixed-term contract workers and pensioners in Serbia who meet a minimum age and salary
  • People with a good credit record who want the money quickly rather than a long repayment window
  • Homebuyers, since home purchase lending carries an initial rate of 4.35% for 3

Who should look elsewhere

  • Borrowers who want a longer repayment window: the term stops at up to 71, while Sofkredit runs €12,000 to €300,000 and Creduma ES starts at from €12,000
  • Cashspace, whose amounts run PHP 500 to PHP 25,000, sits far below the up to RSD 4,000,000 ceiling here
  • Anyone after a credit line or a variable rate: the personal loans here sit at a fixed rate, while Cashspace is a different product again

How Banca Intesa Srbija compares

Where Banca Intesa Srbija is available

Available
Serbia

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

Frequently asked questions

What rate do I pay on a Banca Intesa Srbija loan?+

The rate is fixed for the length of the loan rather than a headline that reprices later, so instalments stay predictable. For context, the site median APR is 15.5%, and the wider range runs 7.85% to 27.8%.

How much can I borrow and for how long?+

The personal loan ceiling is up to RSD 4,000,000 and the longest term is up to 71, a shorter window than the 480 some lenders on the site allow. Borrowing near the ceiling across a shorter term keeps monthly payments high, so size the sum to a term you can comfortably carry.

Are there arrangement fees on top?+

There is a processing fee on the loan, and it is already included in the total amount you repay rather than charged later as well. Nothing else is listed under the arrangement fee for these personal loans, so ask for the total repayable figure and work from that.

How quickly does the money arrive?+

Once an application is approved, funding can take as little as 15 minutes, and same-day funding is listed among the features. Speed is common here, offered by 30.8% of the brands on the site, so compare the rate and the term rather than the wait.

What credit check and credit record do I need?+

The credit check is hard and the credit bar is good. On the site, 34.3% of lenders ask for the same and 44.9% will take a weaker file, but a hard check means a missed payment elsewhere shows up in the decision.

Who is eligible to apply?+

Permanent employees, people on a fixed-term contract and pensioners can all apply. There is a minimum age at application, a maximum age at final repayment, a separate age band for pensioners, and a minimum monthly salary. The contracting entity is Banca Intesa ad Beograd, so check the paperwork matches your job status.

Is Banca Intesa Srbija a bank or a broker?+

It is the lender itself, a direct lender rather than a broker or a marketplace, so your application and the decision sit with the bank. Founded in 1991 and headquartered in Serbia, it runs its personal lending through its own channels.

How do I get help once I have applied?+

Support runs on phone, email and help centre, meaning phone, email and a help centre, with no live chat listed. A help centre is the most widespread channel across the site, appearing for 79.6% of the brands listed, so written answers are the default route.

Does it lend for a home purchase as well?+

It lends for home purchases at an initial rate of 4.35% fixed for 3, with an APRC of 5.04% to 5.15% and a maximum loan to value of 80%. That means a deposit is required on the purchase, and the short fixed period leaves the rate afterwards open to change.

Sources

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

Not confirmed yet: APR, Representative example.

Banca Intesa Srbija

Serbian earners with good credit who want a fixed rate and quick disbursement on a planned purchase.

9.4/10See alternatives