Updated September 28, 2026 · BorrowCue Editorial Team
ASA Banka vs Bosna Bank International
Where ASA Banka and Bosna Bank International differ
| Compare |  ASA Banka |  Bosna Bank International |
|---|---|---|
| Loan amount | up to BAM 50,000 | BAM 500 to BAM 500,000Higher |
| Term | up to 120 months | up to 360 monthsHigher |
| 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 | ID card and CIPS certificate of residence required; three last payslips or current account statements |
| Loan types | Personal, Cash advance, Debt consolidation, Credit line, Secured, Student | Personal, Secured, Car, Business, Cash advance |
| APR | 8.31% | Not confirmed |
| Arrangement fee | Not confirmed | 0 BAM |
| 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 | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- Bosna Bank International scores higher overall: 9.2 vs 9.1.
- Founded is lower at ASA Banka: 1957 vs 2000.
- Loan amount is higher at Bosna Bank International: BAM 500 to BAM 500,000 vs up to BAM 50,000.
- Term is higher at Bosna Bank International: up to 360 months vs up to 120 months.
- Support channels: only Bosna Bank International offers Email.
- Loan types: only ASA Banka offers Debt consolidation, Credit line, Student.
- Loan types: only Bosna Bank International offers Car, Business.
Our verdict on each
ASA Banka
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.
Bosna Bank International
Bosna Bank International is a Sarajevo bank that suits people chasing fixed rates and an origination fee of 0 BAM on property purchase and remortgage. Personal, secured, car, business and cash advance lending all sit under one roof, with loan sizes of BAM 500 to BAM 500,000.
Score breakdown
| Area | ASA Banka | Bosna Bank International |
|---|---|---|
| Cost | 9.1Unsecured personal loans at 8.31% sit under the site median of 12%, and the home range charges BAM 0. | Not confirmed |
| Offer | 8.5 | 9.2Higher |
| Trust | 9.5Higher | 9.2 |
Ranges side by side
| Fact | ASA Banka | Bosna Bank International |
|---|---|---|
| Loan amount | up to BAM 50,000 | BAM 500 to BAM 500,000 |
| Term | up to 120 months | up to 360 months |
Positions in our rankings
| Ranking | ASA Banka | Bosna Bank International |
|---|---|---|
| Personal loans | 502 of 1932 | 414 of 1932 |
| Secured loans | 127 of 472 | 99 of 472 |
| Mortgages | 152 of 719 | 120 of 719 |
| Remortgage deals | 105 of 351 | 84 of 351 |
| Cash advance apps | 12 of 53 | 8 of 53 |
A third option
Evaloan.ba has loan amount at BAM 10,000 to BAM 2,000,000, against up to BAM 50,000 for ASA Banka and BAM 500 to BAM 500,000 for Bosna Bank International.
Evaloan.ba reviewEvery fact side by side
| Fact | ASA Banka | Bosna Bank International |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | ASA Banka d.d. Sarajevo | Bosna Bank International d.d. Sarajevo |
| Headquarters | Bosnia and Herzegovina | Bosnia and Herzegovina |
| Founded | 1957Lower | 2000 |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Mortgages
| Fact | ASA Banka | Bosna Bank International |
|---|---|---|
| Initial rate | 3.29% | Not confirmed |
| APRC | 3.78% | Not confirmed |
| Fixed period | 10 years | 10 years |
| Maximum loan to value | 80% | 100%Higher |
| Product fee | BAM 0 | BAM 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | ASA Banka | Bosna Bank International | Median |
|---|---|---|---|
| APR | 8.31%below the median | Not confirmed | 8.99% |
| Loan amount | up to BAM 50,000at the median | BAM 500 to BAM 500,000highest quarter | BAM 50,000 |
| Term | up to 120 monthshighest quarter | up to 360 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
ASA Banka
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
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%
Bosna Bank International
Pros
- Fixed pricing across the range, with a rate type of fixed and a model of fixed rate.
- An origination fee of 0 BAM and a product fee of BAM 0 on residential financing.
- Support runs on email, phone and help centre.
Cons
- Every product is fixed rate, so a fixed rate book rules out a variable rate deal.
- Repayment terms of up to 360 sit below the site maximum of 480.
- Eligibility asks for an ID card, a CIPS certificate of residence and recent payslips or current account statements.
Who each suits
ASA Banka
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
Bosna Bank International
Who it suits
- People buying, building or remortgaging property who want a fixed rate and a set monthly payment.
- Borrowers who want property lending with an origination fee of 0 BAM.
- Anyone who needs a personal, secured, car, business or cash advance loan without approaching several lenders.
Who should look elsewhere
- Monzo Flex, whose amounts of £10,000 to £35,000 sit in a different currency, if you want a loan outside the BAM market.
- Cashspace ES, whose amounts of €100 to €5,000 are far smaller than the BAM 500 to BAM 500,000 range, if your borrowing need is modest.
Current offers
ASA Banka
Current offer
Bonus
Akcija stambenih kredita (mortgage loan campaign)
Source, checked September 26, 2026
Bonus
Poštedi se briga - Ostvari dodatni prihod i osiguraj novac (savings action with free ASA Central insurance): Free ASA Central insurance
Source, checked September 26, 2026
Discount code
Naša srijeda - Wednesday benefits for ASA Bank card customers
Applies to users of ASA Bank cards every Wednesday
Source, checked September 26, 2026
Country by country
| Country | ASA Banka | Bosna Bank International |
|---|---|---|
| Bosnia and Herzegovina | Yes | Yes |
Questions about each
ASA Banka
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.
Bosna Bank International
What kinds of loans does Bosna Bank International offer?+
The book covers personal, secured, car, business and cash advance lending, so most everyday borrowing needs sit with one bank rather than a broker. The full set of loan types is personal, secured and car, and each product can carry its own term and security.
How much can I borrow?+
Loan sizes are BAM 500 to BAM 500,000, so the range stretches from a modest personal loan to a large property purchase. The spread matters more than the headline figure: what you can actually receive depends on the product and the security behind it.
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