Addiko Bank mKredit review

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

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Our verdict

Addiko Bank mKredit is a personal loan built for existing customers whose salary lands in an Addiko account, priced at 10.97%. The trade-off is entry: the account and a salary history come first, and only then does the RSD 30,000 to RSD 1,200,000 range open up.

Key facts

Best for
Existing Addiko customers with a salary history in the account who want a lump sum at a fixed rate.
APR
10.97% (Source, checked September 26, 2026)
Loan amount
RSD 30,000 to RSD 1,200,000 (Source, checked September 26, 2026)
Term
12 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD - no fee for credit application processing, credit bureau report or bills (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Paid to your Addiko account, fully online, same day: working days 07:30-21:00, weekends and holidays 07:30-19:00 (Source, checked September 26, 2026)
Representative example
Addiko em-Kredit: 600,000 RSD over 71 months, 71 instalments of 11,366.32 RSD, fixed nominal rate 10.45%, EKS 10.97%, total cost of credit 207,008.53 RSD (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Existing Addiko bank customer with more than 3 salaries received into an Addiko account (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Addiko Bank a.d. Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
addiko.com

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInyoutube.com

Pros and cons

Pros

  • The arrangement fee is free, covering the credit application, the credit bureau report and the bills.
  • The money lands in your Addiko account on the same day, fully online, with same day funding.
  • The rate is fixed for the whole term (fixed), so the instalment does not drift with the market.
  • Borrowing of RSD 30,000 to RSD 1,200,000 over 12 to 71 lets a large cost be spread rather than repaid at once.

Cons

  • Eligibility is limited to existing Addiko customers with a salary paid into the account, so new customers cannot apply.
  • The credit check is hard (hard), so there is no soft prequalification step before a full search.
  • Support runs on phone, email and help centre only, with no branch counter or live chat.
Addiko Bank mKredit

Ready to try Addiko Bank mKredit?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Existing Addiko Bank a.d. Beograd customers whose salary is paid into the account.
  • Borrowers after a fixed lump sum at a fixed rate (fixed) over terms of 12 to 71.
  • Anyone who needs the cash in the account the same day rather than after a payout wait.

Who should look elsewhere

  • Borrowers with no Addiko account and no salary paid into one, since eligibility shuts them out. Monzo Flex lists rates of 10% to 23%.
  • Anyone hoping to see an offer before a full credit search, because the credit check is hard (hard). Cashspace lists PHP 12 to PHP 36.

Safety and regulation

mKredit is a direct lender (direct lender), so the contract is with the bank itself rather than a broker or a marketplace. The published representative example sets out the amount borrowed, the fixed nominal rate, the EKS and the total cost of credit, which makes the true cost readable before you apply. The licence sits with the Financial Market Authority in Austria, with the European Central Bank.

Who runs it

mKredit is issued by Addiko Bank a.d. Beograd, Addiko Bank a.d. Beograd, which is headquartered in Serbia. Support runs through phone, email and help centre, so help arrives by phone, by email or in the help centre. One institution lends the money and holds the deposit account, which keeps the whole arrangement inside a single banking relationship.

How Addiko Bank mKredit compares

Where Addiko Bank mKredit is available

Available
Austria, Bosnia and Herzegovina, Croatia, Montenegro, Romania, Serbia, Slovenia
Licence in Austria
Financial Market Authority (FMA), Austria, with the European Central Bank, checked September 26, 2026

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

Frequently asked questions

What does mKredit cost to take out?+

The arrangement fee is free, so the credit application, the credit bureau report and the bills carry no charge, and origination reads as 0%. The published annual rate is 10.97%, held at a fixed rate (fixed) across the term, so the instalment is set when you agree it.

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

Borrowing runs RSD 30,000 to RSD 1,200,000 and terms run 12 to 71, so a large cost can be spread over years rather than repaid quickly. The amount offered depends on the salary history the bank already holds on your account, which is also the entry condition for the product.

Who is eligible to apply?+

Eligibility is limited to existing customers of Addiko Bank a.d. Beograd with a salary paid into an Addiko account. The income has to arrive in that account, so a bank customer whose salary lands elsewhere falls outside the criteria, and new customers to the bank cannot use this loan.

How quickly is the money paid out?+

The loan goes straight into your Addiko account on the same day, fully online, with same day funding. Applications are handled on working days and on weekends and holidays, so the same-day payout is not confined to office hours. If something stalls, phone, email and help centre cover the query.

What kind of credit check is used?+

The check is hard (hard), so the decision runs on a full search of your credit file rather than a soft prequalification step. That means an application can affect your file straight away, and the credit bureau report behind the decision carries no charge under the arrangement fee.

Is the rate fixed or variable?+

It is fixed: the rate type is fixed and the model is fixed-rate (fixed rate), so repayments stay level for the life of the loan. The published rate is 10.97%, and the representative example on the bank's own figures sets out the nominal rate, the EKS and the total cost of credit.

How does this compare with other lenders?+

The published rate here is 10.97% with a free arrangement fee. For a second reading, Monzo Flex lists rates of 10% to 23%, and Cashspace lists PHP 12 to PHP 36 in a different currency, so both are useful as direction rather than as direct equivalents.

Sources

  • addiko.com/imprint checked September 26, 2026

    Backs: Licences

  • addiko.rs/o-nama/o-addiko-banci/osnovni-podaci-o-banci checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Loan types, Support channels

    “Registered seat of head office: Omladinskih brigada 90G, 11070 Beograd, Srbija”

  • addiko.rs/stanovnistvo/krediti/mkredit checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Loan amount - from 30.000 RSD to 1.200.000 RSD”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Related by the facts

Addiko Bank mKredit

Addiko Bank mKredit

Existing Addiko customers with a salary history in the account who want a lump sum at a fixed rate.

9.2/10See alternatives

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