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NLB review

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

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Our verdict

NLB suits adults banking in Slovenia who want a plain easy-access account and a personal loan from one bank. The account takes a minimum deposit of €0, and the personal loan runs at an APR of 5.65% with a straightforward application.

Key facts

Best for
One bank in Slovenia for an easy-access account, a Visa debit card and a personal loan.
Monthly fee
€3.39↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Nova Ljubljanska banka d.d.↗
Headquarters
Slovenia↗
Support channels
Phone, Chat, Email, Help-centre↗
Features
Same-day funding
Official website
nlb.si

Loans

APR
5.65%↗
Loan amount
€40,000↗
Term
120 months↗
Arrangement fee
0 EUR (no approval or management fees)↗
Credit check
Hard↗
Funding time
Immediately after successful approval↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Customers of all banks can apply, subject to approval conditions↗
Loan types
Personal↗
Pricing model
No monthly fee

Savings

Minimum deposit
€0↗
Access terms
Until account closure; withdrawals in the domestic currency after 7 days from the day of deposit, in foreign currency immediately↗
Account kind
Easy access↗

Credit cards

Annual fee
€20↗
Card kind
Credit↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • An easy access account with a minimum deposit of €0, so cash is there when it is needed.
  • The personal loan offers €40,000 over 120, and funding is Immediately after successful approval once an application is approved.
  • Fees on the personal loan are 0 EUR (no approval or management fees).
  • Support covers phone, chat and email.

Cons

  • The current account is not free to hold: €3.39 a month, where bunq charges €0 and Wise charges £0.
  • Every loan application runs a hard credit check, and approval is subject to the bank's conditions.
  • The credit card adds €20 a year on top of the account cost.
NLB

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Adults in Slovenia who want everyday banking and a personal loan from the same bank.
  • Borrowers comfortable with a hard credit check who need their money Immediately after successful approval.
  • Customers who want help on phone, chat and email.

Who should look elsewhere

  • bunq, if the monthly fee decides it: bunq charges €0 against NLB's €3.39.
  • Wise, for anyone who puts the running cost first, since Wise charges £0 a month.
  • Varo Believe Secured Credit Card, if you want a secured card at $0 a month rather than a current account.

How NLB compares

Where NLB is available

Available
Slovenia

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

Frequently asked questions

What does the NLB current account cost each month?+

The current account charges €3.39 a month. It is an easy access account with a minimum deposit of €0 and a variable rate, so the money sits there for day to day spending rather than being locked away.

Can I get at my money quickly?+

Withdrawals in the domestic currency become available after a waiting period from the day of deposit, and withdrawals in foreign currency are available right away. Access lasts until the account is closed. The account is easy access and the minimum deposit is €0.

What card comes with the account?+

The card is a debit card that runs on the visa network, so it works wherever Visa is accepted. NLB also issues a credit card, and that one carries an annual fee of €20.

How much can I borrow with the personal loan?+

The personal loan covers €40,000 over 120 at an APR of 5.65%. NLB is a direct lender, so the money comes straight from the bank rather than a broker, and the fee is 0 EUR (no approval or management fees).

Who can apply for the personal loan?+

Banking elsewhere is no barrier, since the lending offer is open beyond the bank's own customers and the decision rests with NLB. Every application goes through a hard credit check, and the borrowing offered is personal.

How quickly does the loan money arrive?+

Funding happens Immediately after successful approval, and the loan includes same day funding. Approval still rests on a hard credit check, so the speed applies once the bank says yes rather than before, with €40,000 available over 120.

Who is behind the account and the loan?+

Both come from Nova Ljubljanska banka d.d., a bank headquartered in Slovenia. The account is the deposit side of the relationship and the personal loan is the lending side, so a customer can hold a balance and borrow from the same provider.

How do I get help from NLB?+

Support runs on phone, chat and email, and the same channels cover the current account and the personal loan. Phone, chat, email and a help centre are all offered, so questions about fees or a loan application go to the bank itself.

Sources

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

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

NLB

NLB

One bank in Slovenia for an easy-access account, a Visa debit card and a personal loan.

8.9/10See alternatives