Erste Bank Serbia review

The deposit asks for a minimum deposit of RSD 100,000, which is more than many easy-access savings accounts. In return it pays a fixed rate of 5.2% for a term of 6 to 12. If that minimum sits above your spare cash, an easy-access account may suit you better.

Yes. Funds can be withdrawn before maturity, though the interest is then paid at the sight-deposit rate rather than the fixed rate of 5.2%. The term itself runs for 6 to 12, and at maturity you choose whether the balance rolls over or is paid out.

Interest is credited at maturity, or you can take it monthly, quarterly, semi-annually or annually. The headline rate is 5.2% and the rate type is fixed, so choosing an earlier payout does not change what you earn over the full term.

The dinar current account charges a monthly fee of RSD 290. Against that, spending on the linked card earns cashback of 5%. For a fee-free everyday account, bunq lists €0 and Wise lists £0, so both sit below this account's monthly cost.

The card is a debit card on the visa network, drawn straight from the current account balance. Spending on it earns cashback of 5%. The bank also lists a credit card in its range if you would rather carry credit than spend from savings.

Yes. Erste Bank Serbia lends directly, offering personal loans of up to RSD 4,500,000 at 9% to 10.95%. The arrangement fee is 0 RSD and the percentage element is 0%. As a direct lender you deal with the bank itself rather than a broker, which keeps the decision on one desk.

The home loan starts at an initial rate of 4.9%, held for 3, with an annual percentage rate of 5.76% as the headline cost figure. It serves purchases, remortgages and first-time buyers, and sets a maximum loan to value of 90%.

Support runs on phone and chat, so you can call or start a chat. The institution behind the brand is Erste Bank a.d., headquartered in Serbia, and it lends as a direct lender rather than through an intermediary. Questions on the deposit, the card and a loan can go to the same team.