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Hakrinbank review

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

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Our verdict

Hakrinbank is a Surinamese bank for adults with a salaried job whose salary lands in a bank account and who want a direct lender for home improvement or other personal borrowing. Personal loans run SRD 150,000 over 12 to 48, with a hard credit check on the application.

Key facts

Best for
Salaried workers in Suriname borrowing for home improvement, plus savers who want easy access to their money.
Loan amount
SRD 150,000↗
Term
12 to 48 months↗
Credit check
Hard↗
Funding time
Money available 2 working days after approval; total process 4 working days↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Age 18-57; salary must be paid into a bank account; preferably at least 2 years in permanent employment; monthly repayment max 35% of net household income↗
Loan types
Personal, Credit-line, Car, Secured↗
Use cases
Home-improvement↗
Legal entity
Hakrinbank N.V.↗
Headquarters
Suriname↗
Founded
1936↗
Support channels
Email, Phone, Help-centre, Chat↗
Official website
hakrinbank.com

Savings

Headline rate
4%↗
Minimum deposit
SRD 100↗
Access terms
Free withdrawals at any time, including ATM cash withdrawal from the SRD savings account up to SRD 1,000 per day with the bank card; interest credited quarterly↗
Account kind
Easy access↗

Mortgages

Initial rate
7%↗
Fixed period
5 to 30 years↗
Maximum loan to value
100%↗
Purpose
Purchase↗

Credit cards

Card kind
Credit↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
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Pros and cons

Pros

  • It lends direct rather than acting as a broker, covering personal, credit line, car and secured loans
  • Borrowing runs SRD 150,000 over a term of 12 to 48, with a hard credit check
  • Savings pay a headline rate of 4% on a variable basis, and withdrawals are free at any time
  • Support runs through email, phone and help centre

Cons

  • A hard credit check means the application leaves a trace on the credit file
  • The savings rate is variable, so the return can move over time
  • Repayment has to fit inside a share of net household income, and your salary must be paid into a bank account

Ready to try Hakrinbank?

Scored 9.6 / 10 by SumCue.

See alternatives

Who it suits

  • Adults with a salaried job whose salary is paid into a bank account
  • People financing home improvement rather than everyday spending
  • Surinamese savers who want free withdrawals and quarterly interest

Who should look elsewhere

  • Anyone without a salaried job paid into a bank account, since that condition sits on the loan side
  • Self-employed applicants with irregular income
  • Borrowing on a card rather than a loan

How Hakrinbank compares

Where Hakrinbank is available

Available
Suriname
Licence in Suriname
Centrale Bank van Suriname (CBvS), checked September 26, 2026

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

Frequently asked questions

How much can I borrow from Hakrinbank?+

Personal loans go up to SRD 150,000, and the legal entity is Hakrinbank N.V.. Hakrinbank is a direct lender, not a broker, so the money comes straight from the bank. Loan types include personal, credit line, car and secured borrowing.

What is the credit check like?+

The application runs a hard credit check, which is the same approach as 75% share of lenders on the site. A hard check leaves a record on the credit file, so it suits people with a steady salary and a settled credit history.

How long does the loan process take?+

Money is available a couple of working days after approval, and the whole process takes a few working days. Terms run 12 to 48, so the balance is repaid monthly once the money lands.

What savings rate does Hakrinbank pay?+

The headline rate is 4% and the rate type is variable, which is the same rate type as 52.8% share of lenders in the field, so the rate can move. The minimum deposit is SRD 100.

Can I withdraw from my savings account at any time?+

Yes. Withdrawals are free at any time, including ATM cash withdrawals against the bank card, and interest is credited quarterly. The account kind is easy access, a kind shared with 74.4% share of lenders compared here.

How is Hakrinbank regulated?+

It is supervised by the Centrale Bank van Suriname in the country where it operates. Contact runs through email, phone and help centre, so you can reach the bank by phone, email, chat or the help centre.

Who can get a loan?+

Applicants must be adults, with a salary paid into a bank account. Permanent employment is preferred, and the monthly repayment has to stay within a set share of net household income. The bank has traded since 1936.

Does Hakrinbank offer a mortgage?+

A mortgage runs at an initial rate of 7% for 5 to 30, with a maximum loan to value of 100%. The stated purpose is purchase, so it suits people buying property rather than remortgaging.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Representative example.

Hakrinbank

Salaried workers in Suriname borrowing for home improvement, plus savers who want easy access to their money.

9.6/10See alternatives