Banca Intesa Serbia review

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

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Our verdict

Banca Intesa Serbia is a direct lender offering fixed rate personal loans of up to RSD 4,000,000 and home purchase mortgages, with money landing in as little as 15 minutes. It suits Serbia based borrowers with a good credit record who value a rate that holds steady and a deposit they can cover.

Key facts

Best for
Fixed rate personal loans and home purchase mortgages for Serbia based borrowers with a good credit record.
Loan amount
up to RSD 4,000,000 (Source, checked September 26, 2026)
Term
up to 71 months (Source, checked September 26, 2026)
Arrangement fee
Processing fee (Naknada za obradu kredita), already included in the total amount the customer repays (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
as little as 15 minutes (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Employed permanently or on a fixed-term contract, or pensioner; at least 20 years old at application and not older than 68 at final repayment (pensioners: at least 55, not older than 79); minimum monthly salary 200 EUR (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Banca Intesa ad Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
bancaintesa.rs

Mortgages

Initial rate
4.35% (Source, checked September 26, 2026)
APRC
5.04% to 5.15% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banca Intesa ad Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • It lends directly, so you deal with the lender itself and the rate is fixed for the whole term.
  • Same-day funding is a listed same day funding, with money in the account in as little as 15 minutes.
  • Home purchase mortgages open at 4.35% and run at an annual rate of 5.04% to 5.15%.
  • Support runs through phone, email and help centre, so phone, email and a help centre are all open to you.

Cons

  • The credit check is hard, so a weak credit file is a real obstacle to an offer.
  • A home purchase mortgage caps at a maximum loan to value of 80%, so the deposit has to be sizeable.
  • The processing fee sits inside the total you repay, so the amount paid back exceeds the amount received.

Ready to try Banca Intesa Serbia?

Scored 9.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Serbia with a permanent job, a fixed-term contract or a pension, who clear a hard credit check.
  • Home buyers who can cover the deposit, since mortgages stop at a maximum loan to value of 80%.
  • People who need cash quickly, because funding can arrive in as little as 15 minutes.

Who should look elsewhere

  • Anyone after a small loan in another currency: Cashspace offers PHP 500 to PHP 25,000 and Cashspace ES offers €100 to €5,000.
  • Borrowers wanting a larger single sum in pounds, since Monzo Flex lends £10,000 to £35,000.

Who runs it

The lender behind these loans is Banca Intesa ad Beograd, a bank based in Serbia that has traded since 1991. Applications, balances and questions sit with the bank itself rather than a broker, so support comes through phone, email and help centre, which covers phone, email and a help centre for questions on an existing or new loan.

How Banca Intesa Serbia compares

Where Banca Intesa Serbia is available

Available
Serbia

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

Frequently asked questions

How much can I borrow, and for how long?+

Personal loans from Banca Intesa Serbia reach up to RSD 4,000,000, and the term runs up to 71. The processing fee already sits inside the total you repay, so the quoted figure covers the whole cost. A longer term spreads the balance, so weigh that against what you can comfortably pay each month.

Is the rate fixed or variable?+

Personal loans are priced on a fixed fixed rate basis, so the rate you sign at is the rate you keep for the whole term, which steadies a tight monthly budget. Home purchase mortgages work differently, opening at 4.35% and running at an annual rate of 5.04% to 5.15%.

What will I pay in fees?+

Personal loans carry a processing fee, and it is already included in the total amount the customer repays, so there is no separate charge added at the end. On home purchase mortgages the figure to compare across lenders is the annual percentage rate, which sits at 5.04% to 5.15%.

How fast can I get the money?+

Speed is the strong point here. Apply for a personal loan online and funding can be in your account in as little as 15 minutes, with same-day funding listed as a same day funding of the product. That suits a repair bill or a car that will not wait.

What credit check do they run?+

Every application goes through a hard credit check, so a search is recorded on your credit file. The bank also looks for a good credit record, which narrows who comfortably qualifies, so tidy the file before applying and check the details you submit.

Who is eligible to borrow here?+

Applicants need to be adults, either permanently employed, on a fixed-term contract, or drawing a pension, with a minimum monthly salary. The bank sets a minimum age at application and an upper age at final repayment, with a wider band for pensioners. Personal loans of up to RSD 4,000,000 sit inside those rules.

Sources

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

Not confirmed yet: APR, Representative example.

Related by the facts

Banca Intesa Serbia

Fixed rate personal loans and home purchase mortgages for Serbia based borrowers with a good credit record.

9.3/10See alternatives

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