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ProCredit Bank Srbija review

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

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Our verdict

ProCredit Bank Srbija suits readers in Serbia who want a free account, an easy access savings pot and a dinar cash loan from a single bank. The savings account pays 3.04% at a fixed rate, and the current account carries no monthly fee.

Key facts

Best for
A free current account, easy access savings and a dinar cash loan under a single roof.
Monthly fee
RSD 0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
ProCredit Bank a.d. Beograd↗
Headquarters
Serbia↗
Founded
2005↗
Support channels
Email, Phone, Help-centre↗
Official website
procreditbank.rs

Loans

APR
8.71% to 14.29%↗
Loan amount
RSD 120,000 to RSD 5,850,000↗
Term
12 to 71 months↗
Arrangement fee
0% credit application processing fee (disbursement fee 0.00%)↗
Credit check
Hard↗
Funding time
Approval in one day↗
Representative example
Cash loan RSD 120,000 over 12 months, fixed nominal 7.95%, EIR 11.31%, monthly instalment RSD 10,440.93, total repayable RSD 125,291.11↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Minimum salary RSD 36,000 and permanent employment of at least 6 months↗
Origination fee (%)
0%↗
Loan types
Personal↗
Use cases
Home-improvement↗
Pricing model
Fixed rate

Savings

Headline rate
3.04%↗
Minimum deposit
RSD 0↗
Access terms
100% availability of savings funds; add and withdraw indefinitely, interest calculated daily and paid monthly; up to EUR 5,000 per day in Zone 24/7↗
Account kind
Easy access↗

Mortgages

Initial rate
4.99%↗
APRC
5.39%↗
Fixed period
3 to 5 years↗
Maximum loan to value
80%↗
Product fee
€0↗
Purpose
Purchase, First-time-buyer, Remortgage↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • The current account is free to hold, with a monthly fee of RSD 0.
  • Savings pay 3.04% at a fixed rate, and funds can be added or withdrawn whenever the holder wants, with interest worked out daily and credited monthly.
  • Cash loans cover RSD 120,000 to RSD 5,850,000 with an origination fee of 0%, and housing loans carry a product fee of €0.

Cons

  • Cash loan applications use a hard credit check, hard, so the credit file matters more than the rate.
  • Housing loans top out at 80%, under the site median 90%, which leaves buyers funding more of the purchase themselves.
  • Everything is built for a single market, RS, so the savings rate and the card are scoped to that market.
ProCredit Bank Srbija

Ready to try ProCredit Bank Srbija?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Readers in Serbia who want a free current account, easy access savings and a debit card from the same bank.
  • People with permanent employment and a minimum salary who want a dinar cash loan for home improvement.
  • First time buyers and remortgagers weighing an initial rate of 4.99% fixed for 3 to 5.

Who should look elsewhere

  • Anyone budgeting in euros: bunq prices its free plan at a monthly fee of €0.
  • Borrowers wanting a secured card route rather than a debit card: Varo Believe Secured Credit Card is a secured card, with a monthly fee of $0.
  • Households keeping savings in sterling: Wise has a monthly fee of £0.

The company behind it

The provider is ProCredit Bank a.d. Beograd, a bank based in Serbia and trading since 2005. Savings, the debit card and personal lending all sit with the same bank, so a single relationship covers everyday money and borrowing. Help runs through email, phone and help centre, covering phone, email and a help centre, so account and loan questions go to the same place.

How ProCredit Bank Srbija compares

Where ProCredit Bank Srbija is available

Available
Serbia

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does the current account cost to run?+

The current account is free to hold, with a monthly fee of RSD 0. The same bank issues a Mastercard debit card and pays a rate on savings, so a current account, a card and a cash loan can all sit with a single provider. Borrowing stays a separate decision, and the account carries nothing beyond that monthly fee.

What rate does the savings account pay?+

Savings pay 3.04% at a fixed rate, and the account is classed as easy access. Funds can be added and withdrawn whenever the holder wants, with interest worked out daily and credited monthly. That makes it a home for money held between jobs or ahead of a large purchase, rather than a product that locks the balance away.

Do I need to put money in to open the savings account?+

No minimum is needed, since the minimum deposit is RSD 0, so an account can be opened and then topped up in small amounts. Combined with interest worked out daily and credited monthly, a small balance still earns. That suits readers who save in dribs rather than one lump sum.

What kind of card comes with the account?+

The card is a debit card on the mastercard network, so spending comes straight out of the current account balance. Card use is therefore governed by what sits in the account rather than by a credit line, which suits readers who clear their bills in full each month.

How much can I borrow and what does it cost?+

Cash loans cover RSD 120,000 to RSD 5,850,000 at an annual rate of 8.71% to 14.29% over terms of 12 to 71. There is nothing to pay for the application itself, with an origination fee of 0%, and the lending is personal lending aimed at uses such as home improvement. Compare the quoted rate with secured alternatives before signing.

How quickly does a loan decision come through?+

Speed is the strong point: Approval in one day on cash loans. The trade off is the credit check, which is a hard credit check, hard, so the applicant's file carries more weight than the headline rate. Borrowers also need a minimum salary and a period of permanent employment to qualify.

Can I get a mortgage from this bank?+

Housing loans carry an initial rate of 4.99% with an annual rate of 5.39%, fixed for 3 to 5. They cover purchase, purchase, first time buyer and remortgage, and the product fee is €0. The loan to value cap is 80%, so buyers put down more of their own money than they would at a lender that lends a higher share.

How do I get help with the account or a loan?+

Support runs through email, phone and help centre, so questions can go by phone, by email or through the help centre. Those routes cover account, card and lending queries, and phone and email suit borrowers chasing an application. The same provider handles the savings rate, so there is a single place to ask about the whole relationship.

Sources

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.

ProCredit Bank Srbija

ProCredit Bank Srbija

A free current account, easy access savings and a dinar cash loan under a single roof.

9.1/10See alternatives