AikBank review
Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AikBank lends directly to Serbia residents in permanent work, at a fixed rate of 10.15% that holds for the whole term. Borrowers who move salary to an AikBank account pay no arrangement fee, and approved money can arrive Within 1 hour of approval after a decision is made.
Key facts
- Best for
- Serbian salary earners who want a fixed-rate loan with no arrangement fee.
- APR
- 10.15% (Source, checked September 26, 2026)
- Loan amount
- RSD 200,000 to RSD 5,000,000 (Source, checked September 26, 2026)
- Term
- 18 to 71 months (Source, checked September 26, 2026)
- Arrangement fee
- 0 RSD (salary transferred to an AikBank account); 1% or 8,000 RSD on an 800,000 RSD loan (no salary income) (Source, checked September 26, 2026)
- Credit check
- Hard (Source, checked September 26, 2026)
- Funding time
- Within 1 hour of approval (Source, checked September 26, 2026)
- Representative example
- Cash loan 800,000 RSD, 71 months, fixed NKS 8.45%, EKS 10.53%, 71 monthly instalments of 14,356.82 RSD (Source, checked September 26, 2026)
- Rate type
- Fixed (Source, checked September 26, 2026)
- Lender type
- Direct lender (Source, checked September 26, 2026)
- Free early repayment
- No (Source, checked September 26, 2026)
- Eligibility
- Citizen of the Republic of Serbia, over 20 years old, creditworthy, permanently employed for at least 6 months (at least 3 months with current employer), resident of Serbia (Source, checked September 26, 2026)
- Origination fee (%)
- 0% to 1% (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
- AikBank a.d. Beograd (Source, checked September 26, 2026)
- Headquarters
- Serbia (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- aikbanka.rs
Apps and profiles
- Elsewhere
- appgallery.huawei.com
Pros and cons
Pros
- AikBank is the lender itself, so the rate, the fee and the decision come from the bank rather than a broker.
- Same-day funding is a listed feature, with Within 1 hour of approval once approval is given.
- Loans of RSD 200,000 to RSD 5,000,000 cover personal spending, debt consolidation and home improvement, over 18 to 71.
- Support runs on phone, chat and email, so a stalled application can be chased by whichever route suits.
Cons
- Free early repayment is a no, so settling sooner than the schedule costs money.
- The credit check is hard, the same approach as 76.5% of the lenders in the category, so a formal search lands on the file.
- Arrangement fees of 0% to 1% apply to borrowers outside the salary transfer route, so fee-free pricing is tied to holding an AikBank account.
Who it suits
- Permanently employed Serbia residents with a settled credit history who want a predictable monthly repayment.
- Anyone whose salary already lands in an AikBank account, or who can move it there, since that removes the fee.
- Borrowers replacing several smaller debts with a longer repayment, or paying for home improvement.
Who should look elsewhere
- Anyone outside Serbia, since eligibility is limited to citizens and residents of Serbia. Monzo Flex at 10% to 23% is the listed comparison.
- Borrowers who plan to clear the debt early, because free early repayment is a no. Cashspace at PHP 12 to PHP 36 is worth weighing.
How AikBank compares
9.2 vs 8.9- 9.2 vs 8.7
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9.2 vs 8.9
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Where AikBank is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate do I pay?+
AikBank's cash loan runs at a fixed rate of 10.15%, under the 12.25% median for the personal loans tracked here. Because the rate is fixed, the instalment does not move with market rates. Terms run 18 to 71, and the published example repays in equal instalments.
Is there an arrangement fee?+
A salary transferred to an AikBank account carries no arrangement fee, while borrowers outside that route face fees of 0% to 1%. Ask which case applies before signing, since the published example sits in the paying group. Support runs on phone, chat and email.
How fast does the money arrive?+
Same-day funding is a listed feature, and the stated timing is Within 1 hour of approval. That timing applies to 82.9% of the lenders tracked here. Approval comes first, so the clock starts at the decision rather than at application.
Does the application run a credit check?+
The check is hard, the same approach as 76.5% of the lenders in this category. A formal search is recorded whether the application goes through or not, so it pays to know the file first. Applicants must also be creditworthy and in permanent employment.
Can I repay the loan early?+
Free early repayment is a no, so clearing the balance ahead of the schedule carries a cost. Instalments are set across a 18 to 71 term, and the published example repays in equal monthly amounts. Treat early settlement as something to price in beforehand.
Who can apply?+
Eligibility sits in Serbia. Applicants must be adults, citizens and residents of Serbia, creditworthy, and in permanent employment for a waiting period, with a shorter period at their current employer. The lender is AikBank a.d. Beograd, a direct lender in Serbia.
What can I use the loan for?+
The listed loan types are personal and debt consolidation and the stated use cases are home improvement, covering a personal cash loan, debt consolidation and home improvement work. Consolidation suits a reader replacing several smaller debts with a longer single repayment.
How do I get help with an application?+
Support runs on phone, chat and email, so a question can be raised by phone, chat, email or the help centre. On a loan of RSD 200,000 to RSD 5,000,000 it pays to confirm the fee position and the Within 1 hour of approval in writing before signing.
Sources
- aikbanka.rs/o-nama checked September 26, 2026
Backs: Headquarters, Legal entity
“najveca domaca privatna banka u Srbiji”
- aikbanka.rs/stanovnistvo/digitalne-usluge/mbanking checked September 26, 2026
Backs: Support channels
- aikbanka.rs/stanovnistvo/krediti/kes-kredit checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases
“Iznos kredita: 200.000 - 5.000.000 RSD”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Reviews
AikBank
Serbian salary earners who want a fixed-rate loan with no arrangement fee.