NLB Komercijalna Banka review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
NLB Komercijalna Banka suits people banking in dinars: fixed savings paying 0.41% to 4.84% with a minimum deposit of RSD 0, a monthly fee of RSD 0 and a debit card on the mastercard network. Borrowing sits below the site median, with a personal loan APR of 7.77% and a mortgage APRC of 5.32%.
Key facts
Loans
- APR
- 7.77%↗
- Loan amount
- RSD 5,000,000↗
- Term
- 1 to 36 months↗
- Arrangement fee
- 0 RSD↗
- Funding time
- Paid out to the current account shortly after online signing↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Existing and new customers; new customers transferring their salary to NLB or existing customers already paid by NLB↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal↗
- Pricing model
- No monthly fee, Fixed rate
Savings
Pros and cons
Pros
- Fixed savings pay 0.41% to 4.84% over 1 to 36 with a minimum deposit of RSD 0, and the deposit plus interest return to the dinar account at maturity.
- Consumer loans cost 7.77%, under the site median of 15.5%, with an origination fee of 0 RSD.
- The housing loan starts at 4.3% with an APRC of 5.32%, a product fee of RSD 0 and lending to 90% loan to value.
- The account carries a monthly fee of RSD 0, and the card is a debit card on the mastercard network.
Cons
- Support runs on email and help centre only: email and a help centre, with no phone line or live chat.
- Savings tie money up for 1 to 36, and the deposit plus interest move back to the dinar account at maturity rather than staying available to withdraw.
- Consumer credit is aimed at existing customers and at new customers who move their salary to the bank, which narrows who can borrow.
Who it suits
- Serbian households paid in dinars who want a fixed return and no monthly account charge
- Existing customers, or newcomers willing to route their salary to the bank for consumer credit
- Buyers and remortgagers in Serbia comparing an APRC of 5.32% with other lenders
Who should look elsewhere
- Anyone holding several currencies: Wise charges a monthly fee of £0 and is built for money that is not in dinars.
- Readers who want a euro account rather than dinar savings, where bunq's monthly fee is €0.
How NLB Komercijalna Banka compares
8.3 vs 9.4
8.3 vs 9.0
8.3 vs 8.9
8.3 vs 9.4
8.3 vs 8.7
8.3 vs 9.2
8.3 vs 9.4
8.3 vs 8.7
8.3 vs 9.3
8.3 vs 8.9
8.3 vs 8.6
8.3 vs 9.2
8.3 vs 8.4
8.3 vs 8.5
8.3 vs 8.8
8.3 vs 9.0
8.3 vs 8.6
8.3 vs 8.3
8.3 vs 9.5
8.3 vs 9.4
8.3 vs 9.4
8.3 vs 9.3
8.3 vs 9.3
8.3 vs 9.3
8.3 vs 9.3
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.2
8.3 vs 9.1
8.3 vs 9.1
8.3 vs 9.1
8.3 vs 9.1
8.3 vs 9.0
8.3 vs 9.0
8.3 vs 9.0
8.3 vs 8.9
8.3 vs 8.8
8.3 vs 8.7
8.3 vs 8.5
8.3 vs 8.4
8.3 vs 8.0- 8.3 vs 8.0
Where NLB Komercijalna Banka is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep the account?+
The monthly fee is RSD 0, so the account itself is free to hold. Consumer loans carry an origination fee of 0 RSD, and the housing loan has a product fee of RSD 0, so the cost sits in the borrowing rather than in running the account day to day.
What rate does the fixed savings pay?+
Rates run 0.41% to 4.84% on a fixed basis. Terms last 1 to 36 with a minimum deposit of RSD 0, and the rate stays locked for the whole term. At maturity the deposit and the interest move automatically to the dinar account.
How much can I borrow and what does it cost?+
Consumer loans are priced at 7.77%, below the site median of 15.5%, and run up to RSD 5,000,000. Lending is direct from the bank rather than through a broker, and the money is paid to the current account shortly after signing online.
What are the mortgage rates?+
The housing loan starts at 4.3% and carries an APRC of 5.32%, with the rate fixed for 3 and lending up to 90% of the property. It covers buying, remortgaging and first-time buyers, and the bank is based in Serbia, so it is aimed at a domestic purchase.
What kind of card do I get?+
It is a debit card on the mastercard network, so it draws on the money in the account rather than building a balance. It comes with the account, whose monthly fee is RSD 0, and bunq offers a similar card at €0 for anyone working in euros.
How do I get help?+
Support runs on email and help centre, which covers email and a help centre. Questions about the savings, the card or a loan application therefore go in writing rather than down a phone line, and the help centre is the reference for the terms and tariff details.
Who qualifies for the consumer loan?+
Existing customers and new customers both qualify, with the loan aimed at people who move their salary to the bank or are already paid by it. The amount available runs up to RSD 5,000,000 at 7.77%, and the money is paid to the current account shortly after online signing.
Can I hold currencies other than dinars?+
The savings terms are set in dinars, and the deposit plus interest return to the dinar account at maturity, so the 0.41% to 4.84% return only suits money you plan to leave in dinars. Readers wanting a sterling or euro account should look at Wise, at £0 a month.
Sources
- nlb.rs/en/about-us checked September 26, 2026
Backs: Founded
“Chief Executive Officer of NLB Banka since the legal merger of NLB and Komercijalna banka, that was completed in April 2022”
- nlb.rs/kontakt-centar checked September 26, 2026
Backs: Support channels
“Kontakt kontakt.centar@nlbkb.rs”
- nlb.rs/o-nama checked September 26, 2026
Backs: Headquarters, Legal entity, Lender type
“NLB Komercijalna banka AD Beograd”
- nlb.rs/stanovnistvo/krediti/kes-krediti checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Loan types, Arrangement fee, Origination fee (%)
“Kes kredit vam omogućava sigurnu i predvidivu otplatu”
- nlb.rs/stanovnistvo/krediti/online-kes-kredit checked September 26, 2026
Backs: Features, Funding time
- nlb.rs/stanovnistvo/platne-kartice checked September 26, 2026
Backs: Card type
“Mastercard Standard - NLB Start paket debit card”
- nlb.rs/stanovnistvo/stednja-i-investicije/dinarska-stednja checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Dinarska štednja: 6 meseci NKS 4,80% EKS 4,84%; 1 mesec NKS 0,40% EKS 0,41% (rates as of 01.08.2026)”
- nlbkb.rs/content/dam/nlb/nlbkb-rs-serbia/documents/opsti-... checked September 26, 2026
Backs: Monthly fee
“NLB Start paket Bez naknade”
- nlbkb.rs/content/dam/nlb/nlbkb-rs-serbia/documents/opsti-... checked September 26, 2026
Backs: Card network
“Mastercard Standard bez naknade”
- nlbkb.rs/en/retail/loans/housing-loans/housing-loan-with-... checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Uninsured housing loan - 36 months fixed interest rate ... Effective interest rate 5,32%”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
NLB Komercijalna Banka
Fixed-term dinar savings and a personal loan with no monthly account charge