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Raiffeisen Bank BH digital banking review

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

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Our verdict

Raiffeisen Bank BH pairs a fee free current account with fixed rate savings, consumer lending and home mortgages for people living and working in Bosnia and Herzegovina. The EKONOMIK account package carries a monthly fee of BAM 0, and the mortgages open at an initial rate of 3.49%.

Key facts

Best for
One local bank for a fee free account, fixed rate saving and borrowing.
Monthly fee
BAM 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Raiffeisen BANK d.d. Bosna i Hercegovina↗
Headquarters
Bosnia and Herzegovina↗
Founded
1992↗
Support channels
Email, Chat, Phone↗
Features
Travel
Official website
raiffeisenbank.ba

Loans

APR
5.89% to 7.28%↗
Loan amount
BAM 400 to BAM 50,000↗
Term
from 13 months↗
Arrangement fee
0.00 BAM processing fee (naknada za obradu)↗
Credit check
Hard↗
Representative example
EKS 5.89% on 50,000 BAM over 60 months for the Cash and Integral loans↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
BiH citizens, creditworthy, with regular monthly income↗
Loan types
Personal↗
Pricing model
Fixed rate

Savings

Minimum deposit
BAM 500↗
Access terms
Funds available only when the agreed term expires; interest income can be withdrawn monthly↗
Account kind
Fixed↗

Mortgages

Initial rate
3.49%↗
APRC
3.92%↗
Fixed period
20 years↗
Product fee
BAM 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 9 sources

Pros and cons

Pros

  • The EKONOMIK account package has a monthly fee of BAM 0, and the debit card on the visa network adds a travel feature.
  • Term deposits are fixed rate products at a fixed rate, taking a minimum deposit of BAM 500 and a term from from 13 months, with interest income withdrawable each month.
  • Personal loans run at an APR of 5.89% to 7.28% on amounts of BAM 400 to BAM 50,000, with a processing fee of 0.00 BAM processing fee (naknada za obradu).
  • Home mortgages for a purchase or a remortgage start at an initial rate of 3.49% with a product fee of BAM 0.

Cons

  • Term deposits are fixed accounts running from from 13 months, so the deposit money stays put until the agreed term expires.
  • The credit check on the personal loans is hard, and applicants must be BiH citizens, creditworthy, with regular monthly income.
Raiffeisen Bank BH digital banking

Ready to try Raiffeisen Bank BH digital banking?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • People in Bosnia and Herzegovina who want day to day banking, saving and borrowing at one lender
  • Savers who can leave money in a fixed rate deposit and collect the interest income each month
  • Homebuyers and remortgagers who want a long fixed period on the loan

Who should look elsewhere

  • People who need savings access at short notice, since the term deposit releases funds only when the term ends; bunq, at a monthly fee of €0, suits everyday banking instead
  • Applicants who want a light credit check, because the check on these personal loans is hard, and a secured card such as Varo Believe Secured Credit Card is a different product for credit building
  • Readers with balances held outside the local market, where Wise runs a pounds account with a monthly fee of £0

The company behind it

Raiffeisen Bank BH is run by Raiffeisen BANK d.d. Bosna i Hercegovina, a bank headquartered in Bosnia and Herzegovina and trading since 1992. The same institution supplies the current account, the savings products, the personal loans and the mortgages here, so the range sits inside one Bosnian lender rather than a marketplace. Support runs on email, chat and phone.

How Raiffeisen Bank BH digital banking compares

Where Raiffeisen Bank BH digital banking is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What does the current account cost each month?+

The EKONOMIK current account package charges a monthly fee of BAM 0. The card offered with it is a debit card on the visa network, and the bank lists a travel feature as its selling point, which points at spending abroad rather than rewards.

What can I earn on a term deposit?+

The term deposit is a fixed rate product and the rate type is listed as fixed. The minimum deposit is BAM 500 and the term runs from from 13 months, so the return is known from the start and the rate does not move with markets.

Can I take my money out before the term ends?+

Not from the deposit itself. Funds become available only when the agreed term expires, so the fixed account and the from 13 month minimum term are the price of a rate that stays put. Interest income can be withdrawn each month in the meantime.

How much do the personal loans cost?+

The APR runs 5.89% to 7.28% on amounts of BAM 400 to BAM 50,000, and the processing fee is 0.00 BAM processing fee (naknada za obradu). The worked example the bank publishes pairs the top of that rate with the largest loan over a multi year repayment, which is the cautious figure to plan around.

Who can borrow, and what credit check applies?+

Applicants need to be BiH citizens, creditworthy, with regular monthly income, and the bank runs a hard credit check on the application. Raiffeisen Bank BH is the lender itself rather than a broker, and the product is a personal loan, so one bank makes the decision.

What do the home mortgages offer?+

The mortgages cover a purchase and a remortgage, with an initial rate of 3.49% and an APRC of 3.92%. The fixed period runs 20 years and the product fee is BAM 0, so a long lock on the rate is already reflected in those figures.

How do I reach the bank for help?+

Support runs on email, chat and phone, so email, chat and phone are all listed routes. The bank is Raiffeisen BANK d.d. Bosna i Hercegovina, headquartered in Bosnia and Herzegovina and trading since 1992, which matters for anyone applying from outside the country.

Sources

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

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

Raiffeisen Bank BH digital banking

Raiffeisen Bank BH digital banking

One local bank for a fee free account, fixed rate saving and borrowing.

9.4/10See alternatives