Addiko Bank Srbija review

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

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Our verdict

Addiko Bank Srbija suits employed and pensioned Serbian residents who want a personal or debt consolidation loan with no arrangement fee. Interest runs at 8.56% to 11.51% on a fixed rate, and the bank lends directly, so one application goes straight to the lender.

Key facts

Best for
Employed and pensioned Serbian residents wanting a fee free fixed rate personal or consolidation loan.
APR
8.56% to 11.51% (Source, checked September 26, 2026)
Loan amount
RSD 30,000 to RSD 3,000,000 (Source, checked September 26, 2026)
Term
12 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD (0% one-off loan processing fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Approval in 30 minutes (Source, checked September 26, 2026)
Representative example
Dinarski keš kredit 2 u 1: 1,200,000 RSD over 71 months, EKS 10.96%, total repayable 1,614,017.04 RSD, online application (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Employed or pensioned Serbian citizens resident in Serbia; min. 3 months with current employer; no approval for unemployed; non-residents not eligible (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (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
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
addiko.rs

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Arrangement fee is 0 RSD (0% one-off loan processing fee) on the personal and debt consolidation loan
  • Fixed rate borrowing at 8.56% to 11.51% on the personal and debt consolidation loan
  • Approval in Approval in 30 minutes, and same day funding sits in same day funding
  • Lends as a direct lender, so the application goes straight to the bank

Cons

  • Eligibility is tight, and unemployed applicants are not approved and non-residents are not eligible
  • Credit check is a hard one, which sits alongside a fixed rate of 8.56% to 11.51%
  • Borrowing runs RSD 30,000 to RSD 3,000,000 and the term runs 12 to 71
Addiko Bank Srbija

Ready to try Addiko Bank Srbija?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Employed Serbian citizens with a settled job who want a fixed rate personal loan at 8.56% to 11.51%
  • Pensioners living in Serbia who want to fund home improvement from RSD 30,000 to RSD 3,000,000
  • Borrowers consolidating existing debts into one loan with an arrangement fee of 0 RSD (0% one-off loan processing fee)

Who should look elsewhere

  • Unemployed applicants, who are not approved
  • Anyone living outside Serbia, since non-residents are not eligible
  • People wanting a revolving credit line, since the product sits inside same day funding

Who runs it

Addiko Bank a.d. Beograd is the legal entity behind the lending, and it is based in Serbia. It is a direct lender, so an application goes to the bank rather than through a broker or marketplace. Support runs on email, phone and help centre. The products are personal and debt consolidation loans, fixed rate, with home improvement a listed use of the money.

How Addiko Bank Srbija compares

Where Addiko Bank Srbija is available

Available
Serbia

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

Frequently asked questions

Is there an arrangement fee on the loan?+

No. The personal and debt consolidation loan is advertised with an arrangement fee of 0 RSD (0% one-off loan processing fee), and the one-off loan processing charge is 0%. What borrowers repay is the interest and the loan itself.

What interest rate does the loan carry and is it fixed?+

The personal and debt consolidation loan runs at a fixed rate of 8.56% to 11.51%. Fixed pricing means each instalment stays predictable, so a rate rise elsewhere does not change what the loan costs.

How long does approval and funding take?+

The bank states approval in Approval in 30 minutes, and same day funding appears in same day funding. Personal and home improvement borrowing are the listed uses, with the application made online.

How much can I borrow and over what term?+

Borrowing runs RSD 30,000 to RSD 3,000,000 and the term runs 12 to 71. Home improvement is one of the listed uses for the money, and the product covers personal and debt consolidation needs.

Does the application run a credit check?+

Yes, the credit check is a hard one. A hard search is recorded against the file, so it is worth weighing before applying, especially alongside a fixed rate of 8.56% to 11.51%.

Who can apply for a loan?+

The applicant must be an employed or pensioned Serbian citizen living in Serbia, and a minimum time with the current employer is required. Unemployed applicants are not approved and non-residents are not eligible.

Can the loan be used to consolidate other debts?+

Yes, debt consolidation is one of the listed loan types, so several balances can be rolled into a single fixed rate loan. The arrangement fee on that product is 0 RSD (0% one-off loan processing fee).

How do I get help from the bank?+

Support runs on email, phone and help centre, so a phone call, an email or the help centre all work. The bank lends from Serbia, and questions about an existing loan go through those channels.

Sources

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

    Backs: Headquarters, Legal entity, Support channels

    “Adresa centrale: Omladinskih brigada 90G, 11070 Beograd, Srbija”

  • addiko.rs/pregled-usluga-i-naknada checked September 26, 2026

    Backs: Funding time

    “Addiko keš kredite odobravamo za 30 minuta (we approve Addiko cash loans in 30 minutes)”

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

    Backs: Loan amount, Credit check, Eligibility, Features, Lender type, Use cases

    “Minimalni iznos kredita 30.000 rsd. Maksimalni iznos kredita je do 3.000.000 rsd (minimum loan amount 30,000 RSD, maximum up to 3,000,000 RSD)”

  • addiko.rs/stanovnistvo/krediti/dinarski-kes-kredit-2-u-1 checked September 26, 2026

    Backs: APR, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Dinarski keš kredit 2 u 1, effective annual rate (EKS) 8.56% (online, 2,000,000-5,000,000 RSD) to 11.51% (branch application, 1,200,000 RSD)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Addiko Bank Srbija

Addiko Bank Srbija

Employed and pensioned Serbian residents wanting a fee free fixed rate personal or consolidation loan.

9.3/10See alternatives

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