ASA Banka review

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

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Our verdict

ASA Banka suits borrowers in Bosnia and Herzegovina who want a fixed rate they can plan around, with unsecured personal loans at 8.31% and a long repayment window. Adults with regular monthly income, including fixed-term employees, can apply, and the lender also offers a free arrangement fee on its mortgage range.

Key facts

Best for
Borrowers with steady monthly income who want a fixed rate from a bank based in Bosnia and Herzegovina.
APR
8.31% (Source, checked September 26, 2026)
Loan amount
up to BAM 50,000 (Source, checked September 26, 2026)
Term
up to 120 months (Source, checked September 26, 2026)
Representative example
Long-term unsecured personal loan of 50,000.00 KM over 36 months, effective annual rate (EKS) 8.31% including related costs and fees (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Accounts for adult citizens of Bosnia and Herzegovina; loan applicants need regular monthly income, and fixed-term employees must have at least 12 months with the same employer (Source, checked September 26, 2026)
Loan types
Personal, Cash-advance, Debt-consolidation, Credit-line, Secured, Student (Source, checked September 26, 2026)
Legal entity
ASA Banka d.d. Sarajevo (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1957 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
asabanka.ba

Mortgages

Initial rate
3.29% (Source, checked September 26, 2026)
APRC
3.78% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
BAM 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
ASA Banka d.d. Sarajevo (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1957 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Unsecured personal loans priced at 8.31%, under the site median of 12%
  • Repayment windows of up to 120 on a fixed rate
  • Arrangement fee of BAM 0 on the home purchase and remortgage range
  • A direct lender covering personal, secured, student and credit line lending

Cons

  • Support runs through phone and help centre only
  • Eligibility for accounts is limited to adult citizens of Bosnia and Herzegovina
  • The home purchase rate of 3.29% needs a deposit reaching 80%
ASA Banka

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Who it suits

  • Adults in Bosnia and Herzegovina with regular monthly income
  • Borrowers who want a fixed rate rather than a variable one
  • Homebuyers comfortable putting a larger deposit down

Who should look elsewhere

  • Anyone without a steady monthly income, or fixed-term applicants who have not yet built a waiting period with their employer
  • Borrowers priced in another currency who want a fee-free personal loan, since BAM 0 applies to the home purchase and remortgage range
  • Readers wanting a lender with a wider choice of support channels than phone and help centre

How your money is protected

ASA Banka is a direct lender rather than a broker, so the agreement sits with the bank itself and there is no third party between the application and the offer. Its representative example for long-term unsecured personal borrowing runs at 8.31% including related costs and fees, so the headline rate is the figure that includes charges. Deposits and lending sit in Bosnia and Herzegovina under ASA Banka d.d. Sarajevo, with support through phone and help centre.

How ASA Banka compares

Where ASA Banka is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What rate do ASA Banka personal loans charge?+

Unsecured personal loans run at 8.31%, and that rate is fixed rather than variable, so monthly payments stay level for the life of the loan. The representative example given covers long-term unsecured personal borrowing and states 8.31% including related costs and fees.

How much can I borrow and for how long?+

Unsecured personal loans reach up to BAM 50,000 and run for up to 120. The same bank also offers cash advance, debt consolidation, credit line, secured and student lending, so a larger purchase can be covered through a secured product instead.

Does ASA Banka charge an arrangement fee?+

The arrangement fee on the home purchase and remortgage range is BAM 0. Personal loan pricing is described through 8.31% with related costs and fees built into the representative example, so ask the bank for the full personal loan breakdown.

Who can apply for a loan from ASA Banka?+

Accounts are for adult citizens of Bosnia and Herzegovina, and loan applicants need regular monthly income. Fixed-term employees also need a waiting period with the same employer before they can be considered.

What is the cheapest part of the ASA Banka range?+

The home purchase and remortgage range carries an initial rate of 3.29% and an annual rate of 3.78%, with BAM 0 charged. Borrowing is secured on the property, which is why the deposit reaches 80%.

Is ASA Banka a bank or a broker?+

ASA Banka is a direct lender, so the borrower deals with the bank rather than a middleman who shops lenders on their behalf. Its legal entity is ASA Banka d.d. Sarajevo, founded in 1957 and based in Bosnia and Herzegovina.

How can I reach ASA Banka?+

Support runs through phone and help centre, which means a phone line and a help centre. There is no branch network listed beyond those channels, so plan to handle questions by phone or online rather than in person.

What types of loan does ASA Banka lend on?+

The range covers personal, cash advance, debt consolidation, credit line, secured and student borrowing. That spread means a consolidation loan or a credit line can sit alongside a standard personal loan, and the home range covers purchase and remortgage purposes.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time.

ASA Banka

ASA Banka

Borrowers with steady monthly income who want a fixed rate from a bank based in Bosnia and Herzegovina.

9.1/10See alternatives

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