Erste Bank Serbia review

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

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Our verdict

Erste Bank Serbia suits borrowers who want a fixed rate and a personal loan arranged directly by a bank. Personal loan APRs of 9% to 10.95% sit below the site figure of 12%, and the mortgage adds an initial rate of 4.9% with a maximum loan to value of 90%.

Key facts

Best for
A fee-free fixed-rate personal loan, or a home loan priced off a low initial rate.
APR
9% to 10.95% (Source, checked September 26, 2026)
Loan amount
up to RSD 4,500,000 (Source, checked September 26, 2026)
Term
up to 70 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Erste Bank a.d. Novi Sad (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Help-centre, Email, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
erstebank.rs

Mortgages

Initial rate
4.9% (Source, checked September 26, 2026)
APRC
5.76% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Erste Bank a.d. Novi Sad (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Help-centre, Email, Chat (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Arrangement fees are 0 RSD on the personal loan.
  • Personal loans reach up to RSD 4,500,000 over terms of up to 70.
  • Pricing is fixed, so the quoted rate is not reset mid term.
  • It lends directly, direct lender, so the rate and the decision sit with the bank.

Cons

  • Terms stop at up to 70, so longer borrowing has to go elsewhere.
  • The listing covers personal lending only, so anyone after another loan type must look further afield.
  • Pricing is fixed only, with no variable rate to weigh against the fixed one.
Erste Bank Serbia

Ready to try Erste Bank Serbia?

Scored 9.4 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers who want a fixed-rate personal loan dealt with by a bank rather than an intermediary.
  • Homebuyers and movers financing a purchase or a remortgage.
  • People who want help by phone or chat before and after applying.

Who should look elsewhere

  • Anyone who wants the widest rate spread to pick from should look at Monzo Flex, whose APRs run 10% to 23%.
  • Borrowers chasing the lowest printed rate: Cashspace ES lists 0% APR.
  • Readers who want to borrow in a different currency: Cashspace prices at PHP 12 to PHP 36.

Who runs it

Erste Bank Serbia trades as Erste Bank a.d. Novi Sad, a bank headquartered in Serbia. Support runs through phone, help centre and email, covering phone, a help centre, email and chat, so questions can be raised before an application and while a loan is running. The named legal entity is the same company that lends the money and holds the account.

How Erste Bank Serbia compares

Where Erste Bank Serbia is available

Available
Serbia

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

Frequently asked questions

Is there an arrangement or setup fee?+

The arrangement fee is listed as 0 RSD and the fee percentage as 0%, so the cost of taking a personal loan sits in the interest rate instead: 9% to 10.95% on a personal loan and an initial rate of 4.9% on the mortgage.

Is the rate fixed or variable?+

The rate type is fixed and the model is fixed rate. On the personal loan the quoted APR of 9% to 10.95% therefore holds for the term you sign, and on the mortgage the initial rate of 4.9% is fixed for 3.

Do you lend for a home purchase or a remortgage?+

Yes, both. The stated purposes are purchase, remortgage and first time buyer, which covers buying, moving and first-time buyers. Borrowing can reach a maximum loan to value of 90%, and the headline cost is an initial rate of 4.9% with an APRC of 5.76%.

How do I get help with the loan?+

Support runs through phone, help centre and email, so you can ring the bank, use the help centre, send an email or open a chat. That covers questions before an application as well as servicing once a loan is running.

Who am I dealing with, and where is it based?+

The lender is Erste Bank a.d. Novi Sad, a bank headquartered in Serbia. It is a direct lender, direct lender, so the agreement is with the bank itself rather than with a comparison service or a broker.

Should I compare this with another lender?+

Worth doing. Personal loan APRs elsewhere are set at 10% to 23%, while one alternative lists 0% APR, so the range here sits at the cheaper end. A separate option, PHP 12 to PHP 36, is priced in another currency.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time, Representative example.

Erste Bank Serbia

Erste Bank Serbia

A fee-free fixed-rate personal loan, or a home loan priced off a low initial rate.

9.4/10See alternatives

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