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Raiffeisen Bank BiH iKes review

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

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Our verdict

Raiffeisen Bank BiH is a direct lender in Bosnia and Herzegovina offering a personal loan at 5.89% to 7.28% with a 0.00 BAM processing fee (naknada za obradu) arrangement fee. It suits borrowers with regular monthly income and a creditworthy record who want a fixed rate over 1 to 120.

Key facts

Best for
A fixed-rate personal loan of BAM 400 to BAM 50,000 over 1 to 120 with an arrangement fee of 0.00 BAM processing fee (naknada za obradu).
APR
5.89% to 7.28%↗
Loan amount
BAM 400 to BAM 50,000↗
Term
1 to 120 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↗
Legal entity
Raiffeisen BANK d.d. Bosna i Hercegovina↗
Headquarters
Bosnia and Herzegovina↗
Founded
1992↗
Support channels
Phone, Email↗
Pricing model
Fixed rate
Features
Travel
Official website
raiffeisenbank.ba

Savings

Minimum deposit
BAM 500↗
Access terms
Funds available only when the agreed term expires; interest income can be withdrawn monthly↗
Monthly fee
BAM 0↗
Account kind
Fixed↗

Mortgages

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

Debit cards

Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.comyoutube.comtiktok.com

Pros and cons

Pros

  • Loans come straight from the bank, a direct lender arrangement, so no broker sits in the middle.
  • APR of 5.89% to 7.28% sits well under the 15.5% median for personal loans across the site.
  • The rate is fixed, so the monthly payment holds steady across a term of 1 to 120.
  • The arrangement fee is 0.00 BAM processing fee (naknada za obradu), and the EKONOMIK account's monthly fee is BAM 0.

Cons

  • The credit check is hard, which rules out anyone without a creditworthy record.
  • Loan amounts run BAM 400 to BAM 50,000, so a larger sum has to go to another provider.
  • Support runs on phone and email only, where 35.2% of listings add live chat.
Raiffeisen Bank BiH iKes

Ready to try Raiffeisen Bank BiH iKes?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • Borrowers with a creditworthy record and regular monthly income, as BiH citizens, creditworthy, with regular monthly income requires.
  • Anyone who wants a fixed rate across a term of 1 to 120 rather than one that resets.
  • People who want the EKONOMIK current account package, where the monthly fee is BAM 0.

Who should look elsewhere

  • Philippine borrowers, who should look at Cashspace: its APR runs PHP 12 to PHP 36.
  • Spanish borrowers chasing a bigger sum, since Creduma ES lends from from €12,000.
  • Rate shoppers after the lower figure: Sofkredit runs 10.74% to 18.06%, above the 5.89% to 7.28% here.

How Raiffeisen Bank BiH iKes compares

Where Raiffeisen Bank BiH iKes is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What rate would I pay on a personal loan?+

The personal loan runs on a fixed rate, and the APR on offer is 5.89% to 7.28%. Fixed means the monthly payment stays the same for the whole repayment, so a rate rise elsewhere in the market would not change what you pay. The rate type is fixed and the model is fixed rate.

How much can I borrow, and for how long?+

Loan amounts run BAM 400 to BAM 50,000, and the term can stretch 1 to 120. Borrowing is in BAM, so a bigger sum means more interest across the life of the loan, not just a higher monthly payment. The rate holds for that whole term.

Is there an arrangement fee or a monthly charge?+

The arrangement fee on the personal loan is 0.00 BAM processing fee (naknada za obradu), and the home loan product fee is BAM 0. The EKONOMIK current account package carries a monthly fee of BAM 0. Beyond those, the borrowing cost sits in the interest rate itself at 5.89% to 7.28% APR.

What credit check applies, and who can apply?+

The credit check is hard, a full review rather than a soft prequalification, and eligibility is stated as BiH citizens, creditworthy, with regular monthly income. Regular monthly income and a creditworthy record are the only criteria the bank names, so applicants without them are likely to be turned away at the first step.

Do I deal with the bank or a broker?+

Raiffeisen Bank BiH is a direct lender, so you deal with the bank directly rather than a broker who shops rates around on your behalf. The legal entity behind the products is Raiffeisen BANK d.d. Bosna i Hercegovina, which is the name to check when you read the terms.

Can I get at my money early from a term deposit?+

A term deposit is a fixed account taking a minimum deposit of BAM 500, so the money is tied up. Funds become available only when the agreed term expires, which suits savers who will not need the balance, and interest income can be withdrawn monthly while the deposit runs.

What does the bank offer if I am buying a home?+

The home loan side runs an initial rate of 3.49% with an APRC of 3.92% over a fixed period of 20, aimed at purchases and remortgages. The product fee is BAM 0, so nothing is charged to set the loan up, and the cost sits in the rate instead.

Sources

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

Not confirmed yet: Funding time.

Raiffeisen Bank BiH iKes

Raiffeisen Bank BiH iKes

A fixed-rate personal loan of BAM 400 to BAM 50,000 over 1 to 120 with an arrangement fee of 0.00 BAM processing fee (naknada za obradu).

9.1/10See alternatives