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 banka Srbija 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 banka Srbija serves salaried borrowers in Serbia with a fixed-rate dinar cash loan, and its rates sit below most of the market. Terms run 6 to 70 with amounts of RSD 80,000 to RSD 4,000,000, early repayment is free, and approved online cash loan applications can be funded the same day.

Key facts

Best for
Salaried Serbs who want a fixed-rate dinar loan paid out fast.
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↗
Legal entity
Raiffeisen banka a.d. Beograd↗
Headquarters
Serbia↗
Founded
2001↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
raiffeisenbank.rs

Savings

Access terms
Deposits up to 50,000 EUR insured by the Deposit Insurance Agency; account switching to Raiffeisen bank is free of charge↗
Monthly fee
RSD 0↗
Account kind
Easy access↗

Mortgages

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

Credit cards

Rewards type
None↗
Card kind
Credit↗

Debit cards

Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Free early repayment, so clearing the balance before the end of the term costs nothing.
  • Approved online cash loan applications can be funded the same day, which suits urgent spending needs.
  • The rate is fixed for the whole term, so the monthly instalment does not move with market rates.
  • The current account is easy access with a monthly fee of RSD 0 and a debit card on visa.

Cons

  • Credit checks are hard, so an application leaves a full search on the file.
  • Card rewards are none, so spending on the card earns nothing back.
  • The range RSD 80,000 to RSD 4,000,000 is priced in dinar, so the cash loan is of limited use to anyone needing a different currency.
Raiffeisen banka Srbija

Ready to try Raiffeisen banka Srbija?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Permanent or fixed-term employees in Serbia who clear a minimum net salary, a minimum age and a minimum period in the role.
  • Borrowers funding home improvement, the stated use case on the cash loan, and anyone consolidating existing debts into one instalment.
  • First-time buyers drawn to the young home loan, fixed for 6 at a maximum loan to value of 99%.

Who should look elsewhere

  • Cashspace, listed at PHP 12 to PHP 36 in Philippine pesos, if you need a peso loan rather than a dinar one from Serbia.
  • Creduma ES, whose lending starts at from €12,000, if a euro balance held in Spain works better for you.
  • Sofkredit, listed at 10.74% to 18.06%, for readers who will trade a higher rate for a different product setup.

Safety of your money

The published representative example covers a dinar cash loan repaid over a long term at a fixed rate, with the total repayable sitting well above the sum advanced, which is where the cost of stretching the term shows. The lender is a direct lender, so the money and the decision sit with the bank rather than a broker or a marketplace, with no third party in between.

Who runs it

The lender is Raiffeisen banka a.d. Beograd, headquartered in Serbia and on the market since 2001. Support runs on email, chat and phone, so help arrives by phone, email, chat or a help centre rather than one channel. The same company holds the current account, issues the cards and services the loans, so one institution handles the relationship from application to instalment.

How Raiffeisen banka Srbija compares

Where Raiffeisen banka Srbija is available

Available
Serbia

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

Frequently asked questions

What does a Raiffeisen banka Srbija cash loan cost?+

The dinar cash loan is priced at 7.57% to 8.35% and the rate is fixed, so the percentage holds for the whole term. The application processing fee is 0.00% (0 RSD) application processing fee, and the current account carries a monthly fee of RSD 0, which keeps the running cost predictable.

How much can I borrow and for how long?+

Cash loan amounts run RSD 80,000 to RSD 4,000,000 in dinar, with terms of 6 to 70, so the instalment can be shaped to a budget. The wider lending list covers personal, debt consolidation, car, secured and credit line products, and home improvement is the stated use case.

Is my deposit protected?+

Deposits are insured by the Deposit Insurance Agency, so balances on the current account carry deposit protection. Switching an account to Raiffeisen is free of charge, which removes the usual switching cost, and the same bank lends the money, so the account and the loan sit with one institution.

How quickly does the money arrive?+

Approved online cash loan applications can be funded the same day, and same day funding is one of the listed features on the cash loan. That quick route applies to the online cash loan product, while larger amounts follow the standard processing path.

Can I repay the loan early?+

Early repayment is free, so clearing the balance before the end of the agreed term carries no charge. That matters when income changes, because the fixed rate and the 6 to 70 term keep the instalment predictable and the loan can end sooner without a penalty.

What credit check and eligibility rules apply?+

The cash loan uses a hard credit check, so an application leaves a full search that other lenders can see. Applicants also need permanent or fixed-term employment, a minimum net salary, a minimum age and a minimum period in the current role.

Does the bank lend for a home?+

Yes, through the young home loan, which starts at an initial rate of 1.5% and stays fixed for 6, with a maximum loan to value of 99%. It targets purchase and first-time buyers, and the product fee is €0.

What account and card come with it?+

The current account is easy access with a monthly fee of RSD 0. Cards sit on the visa network, with a credit card and a debit card, and rewards are none on spending, so cardholders pay for the card rather than earning back on it.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Raiffeisen banka Srbija

Raiffeisen banka Srbija

Salaried Serbs who want a fixed-rate dinar loan paid out fast.

9.3/10See alternatives