Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Raiffeisen Bank Serbia review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Raiffeisen Bank Serbia suits people in Serbia who want a straightforward current account and a fixed rate cash loan from the same bank. The online account carries a monthly fee of RSD 0, and cash loans run at 7.57% to 8.35% on fixed terms.

Key facts

Best for
Serbian residents who bank and borrow in dinars through one direct lender.
Monthly fee
RSD 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Raiffeisen banka a.d. Beograd↗
Headquarters
Serbia↗
Founded
2001↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Same-day funding
Official website
raiffeisenbank.rs

Loans

APR
7.57% to 8.35%↗
Loan amount
RSD 80,000 to RSD 4,000,000↗
Term
6 to 70 months↗
Arrangement fee
0.00% (0 RSD) application processing fee↗
Credit check
Hard↗
Funding time
Money within 30 minutes for online cash loan applications (up to 1,200,000 RSD online)↗
Representative example
Dinar cash loan 1,000,000 RSD over 70 months at 7.90% fixed, monthly instalment 17,875.46 RSD, total payable 1,251,578.20 RSD, EKS 8.03% (as of 09.09.2025)↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Employed permanently or fixed-term, min net salary 20,000 RSD, min 6 months total work experience, min 3 months in current job, age 20 at application and max 70 at final instalment↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Car, Secured, Credit-line↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Savings

Access terms
Deposits up to 50,000 EUR insured by the Deposit Insurance Agency; account switching to Raiffeisen bank is free of charge↗
Account kind
Easy access↗

Credit cards

Rewards type
None↗
Card kind
Credit↗

Mortgages

Initial rate
1.5%↗
Fixed period
6 years↗
Maximum loan to value
99%↗
Product fee
€0↗
Purpose
Purchase, First-time-buyer↗

Facts checked September 26, 2026, 12 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The online current account charges a monthly fee of RSD 0 and carries no monthly fee pricing.
  • Cash loan amounts run RSD 80,000 to RSD 4,000,000 at 7.57% to 8.35% on a fixed rate, with an application processing fee of 0.00% (0 RSD) application processing fee.
  • Early repayment is free, so a loan can be cleared ahead of schedule without a charge.
  • Support runs through email, chat and phone, and the bank lends directly as a direct lender across personal, debt consolidation and car.

Cons

  • The cash loan runs a hard credit check, so approval is not guaranteed.
  • Cards carry a none rewards setup, so there is nothing to earn back on spending.
  • The cash loan suits home improvement rather than a wider spread of purposes.
Raiffeisen Bank Serbia

Ready to try Raiffeisen Bank Serbia?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Serbian households wanting a fee free online current account and a Visa debit card on the same balance
  • Borrowers who want a fixed rate dinar cash loan with a free early repayment option
  • People who prefer dealing directly with the lender that holds their account

Who should look elsewhere

  • Anyone wanting a rewards card, since rewards are none here
  • Borrowers who cannot pass a hard credit check
  • Readers after savings, investment or insurance products, which this bank does not list in the outline

The company behind it

The legal entity is Raiffeisen banka a.d. Beograd, based in Serbia and operating since 2001. It lends directly, so applications and any follow up go through the bank itself rather than a broker. Support is offered across email, chat and phone, giving account and loan questions a phone line, email, live chat and a help centre. Switching an existing account to the bank is free of charge, and the bank's own funds are a different matter from your money: deposits are insured by the Deposit Insurance Agency as stated in its access terms.

How Raiffeisen Bank Serbia compares

Where Raiffeisen Bank Serbia is available

Available
Serbia

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

Frequently asked questions

What does the online current account cost each month?+

The online account charges a monthly fee of RSD 0, and the account is priced on a no monthly fee basis. Switching an existing account to Raiffeisen bank is free of charge under its access terms, so the move itself adds nothing to the cost.

How much can I borrow and what would I pay?+

Cash loan amounts run RSD 80,000 to RSD 4,000,000 in dinars, priced at 7.57% to 8.35% on a fixed rate. Terms last 6 to 70, and the 0.00% (0 RSD) application processing fee application processing fee adds nothing to the headline cost.

How quickly is money delivered?+

The bank lists same day funding for online cash loan applications, and its funding time fact says money can arrive within a matter of minutes for online applications up to a stated limit. A hard credit check still sits in front of that speed.

Can I pay a loan off early without a charge?+

Yes. Free early repayment is listed as a yes, so clearing a dinar cash loan ahead of schedule carries no extra fee. The fixed rate still applies to the balance outstanding up to the point of settlement.

What cards come with the account?+

The debit card is a debit card on the visa network, and a credit card is also offered. Spending rewards are none, so the cards work as payment tools rather than as a way to earn back money.

What kinds of loans are on offer?+

The lending line covers personal, debt consolidation and car. The cash loan is aimed at home improvement, so it is worth checking that your planned spend matches the purpose the product is aimed at.

Is there a housing loan for younger buyers?+

There is a home loan product for young buyers with an initial rate of 1.5% fixed for 6, and the maximum loan to value is 99%. It is aimed at purchase and first time buyer. The product fee is €0.

Who can apply and how is the bank regulated?+

Applicants need permanent or fixed term employment and a minimum net salary, with adults only, and the bank is a direct lender applying a hard credit check. No regulator or licence is listed for this brand, and deposits are covered by the Deposit Insurance Agency under its stated access terms.

Sources

Compiled from 12 source pages, checked September 26, 2026. We did not open an account.

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

Raiffeisen Bank Serbia

Raiffeisen Bank Serbia

Serbian residents who bank and borrow in dinars through one direct lender.

9.4/10See alternatives