Alta Banka review

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

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Our verdict

Alta Banka lends directly, so a personal loan runs on a fixed rate with the money sent to your account online. It suits permanently employed adults who want a straightforward application and a same day payout, at an APR of 7.71%.

Key facts

Best for
A fixed rate personal loan with 0 RSD - no fee for processing the loan application and a same day payout.
APR
7.71% (Source, checked September 26, 2026)
Loan amount
RSD 15,000 to RSD 600,000 (Source, checked September 26, 2026)
Term
6 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD - no fee for processing the loan application (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Under 30 minutes, disbursed online to the customer's account (Source, checked September 26, 2026)
Representative example
Online Cash Loan: RSD 600,000 over 71 months at fixed 7.45% nominal rate, no approval, promissory note or credit bureau fee, monthly instalment RSD 10,474.52, total repayment RSD 743,690.96, EKS 7.71% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Personal ID card and permanent employment required; no existing dinar account at ALTA bank needed; employed by an entrepreneur may apply up to RSD 300,000 (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
ALTA banka a.d. Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
altabanka.rs

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInyoutube.com

Pros and cons

Pros

  • Same day funding: same day funding, with money disbursed online to your account in Under 30 minutes, disbursed online to the customer's account.
  • Borrowing of RSD 15,000 to RSD 600,000 over a term of 6 to 71, so a large sum can be spread across a long repayment period.
  • The bank is a direct lender (direct lender), so the rate and terms come from one agreement rather than a broker's panel.

Cons

  • Every application runs a hard credit check (hard), so your file is searched in full.
  • The rate is fixed, so there is no variable alternative to weigh up if market rates fall.
Alta Banka

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Permanently employed adults with a personal ID card who hold no dinar account at the bank.
  • Borrowers who need cash quickly, since same day funding sends funding out in Under 30 minutes, disbursed online to the customer's account.
  • Anyone who wants one predictable number, given the rate is fixed and the application carries 0 RSD - no fee for processing the loan application.

Who should look elsewhere

  • Readers chasing the lowest headline rate here: Cashspace ES shows an APR of 0%.
  • Borrowers who want a wider rate band to weigh up: Cashspace lists APR of PHP 12 to PHP 36.
  • Anyone put off by a hard credit check (hard) may prefer to look at Monzo Flex, whose personal loan APR runs 10% to 23%.

How Alta Banka compares

Where Alta Banka is available

Available
Serbia

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

Frequently asked questions

What rate does Alta Banka charge on a personal loan?+

It lists an APR of 7.71% on its personal loans, and that rate is fixed, so the figure does not move with market rates. Alta Banka ranks 122 of 350 brands on rate, which places its offer in the cheaper part of the personal loan field.

Is there any fee to apply?+

Processing the loan application comes with 0 RSD - no fee for processing the loan application. The representative example also shows no approval, promissory note or credit bureau charge, so the cost of taking this loan is the interest itself rather than a bundle of setup fees.

How quickly is the money paid out?+

Funding is listed as same day, with Under 30 minutes, disbursed online to the customer's account and the money disbursed online straight to your account rather than collected in person. same day funding is the single feature listed, and that speed is the reason this lender suits anyone short of cash.

How much can I borrow and over what period?+

Loan amounts of RSD 15,000 to RSD 600,000 sit alongside terms of 6 to 71, so a large sum can be spread across a long repayment period. The rate stays fixed for the whole term, which keeps the instalment predictable from the first payment.

What credit check will I go through?+

Applications run a hard credit check (hard), so your file is searched in full rather than softly prequalified. 72.7% of the personal loans on this site use a hard check, so this is the standard route rather than an unusual one.

Who can apply for one of these loans?+

Applicants need a personal ID card and a permanent job, and the bank is based in Serbia. Having a dinar account with the bank is not a condition, which helps anyone not paid into one, while someone working for an entrepreneur may be offered a smaller amount.

Is the rate fixed or can it change?+

The rate is fixed, and fixed rate is the only model listed, so the interest and the instalment hold for the life of the loan. There is no variable alternative here, which suits people who want a single figure to plan their budget around.

How do I get help with the loan?+

Support runs on phone, email and chat, so you can reach the bank by phone, email or live chat as well as through its help centre. Eligibility questions, the fixed rate and the repayment plan can all be raised on those channels before you apply.

Sources

  • altabanka.rs checked September 26, 2026

    Backs: Support channels

    “Kontakt centar banke: +381 11 220 55 00; info@altabanka.rs; online chat button; FAQ pages (Česta pitanja)”

  • altabanka.rs/o-nama checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Banka se danas nalazi među deset vodećih na tržištu Srbije (the bank is now among the ten leading in the Serbian market)”

  • altabanka.rs/stanovnistvo/kes checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “Online Cash Loan - Loan amount: RSD 15.000,00 - 600.000,00 according to the customer's repayment capacity”

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

Related by the facts

Alta Banka

Alta Banka

A fixed rate personal loan with 0 RSD - no fee for processing the loan application and a same day payout.

9.2/10See alternatives

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