OTP banka Slovenia review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OTP banka Slovenia suits adults living in Slovenia who want a euro deposit account and a personal loan from one bank. The saving account pays a headline rate of 0.01% to 0.1% from a minimum deposit of €50, the account package charges a monthly fee of €3.10, and personal loans price at 6.53%.
Key facts
- Best for
- A euro deposit account, a debit card on visa and a personal loan from one Slovenian bank.
- Monthly fee
- €3.10↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- OTP banka d.d.↗
- Headquarters
- Slovenia↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Features
- Same-day funding, Credit line
- Official website
- otpbanka.si
Loans
- APR
- 6.53%↗
- Loan amount
- up to €50,000↗
- Term
- up to 119 months↗
- Arrangement fee
- 0 EUR (no approval, loan administration or collateral fee until revocation)↗
- Credit check
- Hard↗
- Funding time
- Within 60 minutes, digitally without a branch visit↗
- Representative example
- Kredit Naprej: EUR 10,000 over 60 months at 5.70% nominal, 0 EUR approval fee, monthly instalment EUR 191.94, total cost EUR 1,702.11, EOM 6.56%↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Slovenian residents with regular salary or pension income; valid photo ID, 6 months of account statements at the bank, non-committents also 12 payslips, plus a SISBON creditworthiness check↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal↗
- Use cases
- Home-improvement↗
- Pricing model
- No monthly fee, Fixed rate
Savings
Pros and cons
Pros
- Personal loans price at 6.53% for up to €50,000 across terms of up to 119, with direct lender lending straight from the bank.
- Loans can be drawn down Within 60 minutes, digitally without a branch visit, and the features listed are same-day funding and a credit line (same day funding and credit line).
- Support runs on phone, chat and email, so help is available by phone, chat, email or the help centre.
- Housing lending covers purchase and remortgage, with a fixed period of up to 20 and a product fee of €0.
Cons
- The account package charges a monthly fee of €3.10, while bunq and Wise list €0 and £0.
- The saving account is fixed, not easy access, and each deposit can only be withdrawn after a notice period (fixed).
- The loan is aimed at people living in Slovenia who earn a regular wage or pension, and the credit check is hard (hard).
Who it suits
- People living in Slovenia who earn a regular wage or pension and want everyday euro payments plus borrowing from the same bank.
- Borrowers in a hurry, since personal loans can be drawn down Within 60 minutes, digitally without a branch visit.
- Savers who can leave money in place, as the account pays a fixed rate and the balance is saved for an indefinite period.
Who should look elsewhere
- Anyone who wants a fee free everyday account: bunq and Wise list monthly fees of €0 and £0.
- Credit card shoppers, since the card on the account package here is a debit card on visa while Varo Believe Secured Credit Card is a secured credit card.
- Anyone outside Slovenia, since loan eligibility here is limited to people living in Slovenia, so Wise or bunq is the comparison to read instead.
How OTP banka Slovenia compares
8.9 vs 9.4
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Where OTP banka Slovenia is available
- Available
- Slovenia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the account cost each month?+
The account package charges a monthly fee of €3.10, which sits well above the fee free accounts at bunq and Wise. The saving account needs a minimum deposit of €50 to stay open, and the interest it pays is a fixed rate rather than a variable one.
What do I earn on savings here?+
Savings earn a fixed rate, with a headline rate of 0.01% to 0.1%. Because the rate type is fixed, the return does not move with market rates. The money is designed to be saved rather than spent, and the account kind is fixed rather than easy access.
Can I get at my savings quickly?+
Not quickly. The account kind is fixed, and each deposit becomes withdrawable only after a waiting period, so the balance is not an instant access pot. The minimum balance also has to stay at €50.
What card comes with the account?+
The account package includes a debit card on the visa network. Spending draws down the balance held in the account rather than borrowing against it, so the card works as a payment tool instead of a credit line.
How much can I borrow and at what rate?+
Personal loans price at 6.53% for up to €50,000 across terms of up to 119, which is well under the site figure 15.5%. Lending is direct from the bank rather than through a broker, so the account holder deals with one institution.
Are there fees on the loan itself?+
There is no approval, loan administration or collateral fee on the personal loan, and the origination fee is 0%. The worked example for the Kredit Naprej loan shows the same, so the cost of borrowing sits in the rate rather than in upfront charges.
Who can apply for a loan?+
Applicants must live in Slovenia and have a regular wage or pension income, plus photo ID and account statements kept at the bank. People without salary income add payslips to the file, and the decision rests on a SISBON creditworthiness check alongside a hard credit check (hard).
How fast is a loan funded?+
Loans can be drawn down Within 60 minutes, digitally without a branch visit, and the application runs entirely online. The features listed for the loan are same-day funding and a credit line (same day funding and credit line), which suits someone who wants money quickly without a branch visit.
Sources
- otpbanka.si/downloadfile.ashx checked September 26, 2026
Backs: Monthly fee
“Transakcijski racun 3,10 EUR - main retail Transakcijski racun in fee schedule”
- otpbanka.si/gotovinski-krediti checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Loan types, Arrangement fee, Origination fee (%), Representative example, Term, Use cases
“Efektivna obrestna mera (EOM) 6,53 % (Kredit NAPREJ, 15.000 EUR, 60 mesecev)”
- otpbanka.si/kontaktni-center checked September 26, 2026
Backs: Support channels
“Kontaktni center: automatic services are available 24 hours a day via the voice responder on 080 17 70 or the web chat Niko; advisers available on 080 17 70 and +386 2 229 2760”
- otpbanka.si/o-banki checked September 26, 2026
Backs: Headquarters, Legal entity
“O banki: STREET: Slovenska cesta 58, CITY: SI-1000 Ljubljana, COUNTRY: Slovenia”
- otpbanka.si/pravno-obvestilo checked September 26, 2026
Backs: Lender type
“OTP banka, d.d. Slovenska ulica 58 1000 Ljubljana”
- otpbanka.si/racuni-paketi checked September 26, 2026
Backs: Card type, Card network
“S Premium ali Private banking debetno kartico”
- otpbanka.si/stanovanjski-krediti checked September 26, 2026
Backs: Fixed period, Product fee, Purpose
“Namen: Nakup, prenova ali gradnja nepremicnine, poplacilo obstojecih stanovanjskih kreditov pri nasi ali drugi banki.”
- otpbanka.si/varcevalni-racun-trojni-plus checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
“Varčevalni račun Trojni Plus: after 31 days the saved funds are available (down to a minimum balance of 50 EUR on the account)”
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.
OTP banka Slovenia
A euro deposit account, a debit card on visa and a personal loan from one Slovenian bank.