OTP Banka Srbija review

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

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Our verdict

OTP Banka Srbija lends direct to Serbian residents at a fixed annual rate of 8.68% to 8.8%, with an arrangement fee of 0 RSD. It suits salaried borrowers who want a predictable repayment and money within the day.

Key facts

Best for
A fixed-rate cash loan in Serbia with quick payout and no arrangement fee.
APR
8.68% to 8.8% (Source, checked September 26, 2026)
Loan amount
RSD 150,000 to RSD 5,000,000 (Source, checked September 26, 2026)
Term
13 to 71 months (Source, checked September 26, 2026)
Arrangement fee
0 RSD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Request processed within minutes in m-bank and money paid to the account shortly after final approval (Source, checked September 26, 2026)
Representative example
Dinar cash loan with fixed rate and salary transfer: 600,000 RSD over 60 months, NKS 8.45%, monthly instalment 12,296 RSD, EKS 8.81%, total 738,123 RSD (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Adult individuals residing in the Republic of Serbia (residents) with a valid ID card; employees need at least 6 months in a permanent contract with the same employer; online mKeš requires salary transfer to an OTP bank current account (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
OTP banka Srbija a.d. Novi Sad (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
otpbanka.rs

Mortgages

Initial rate
4.8% (Source, checked September 26, 2026)
APRC
5.58% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
OTP banka Srbija a.d. Novi Sad (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedIn

Pros and cons

Pros

  • Arrangement fee of 0 RSD on the cash loan, and a product fee of €0 on the combined housing loan
  • Fixed rate of fixed on a fixed rate product, so instalments do not shift
  • Same-day funding: a request is processed within minutes in the mobile app and the money lands shortly after final approval
  • Lends as a direct lender rather than through a broker

Cons

  • A hard credit check on the application, so a search is recorded against the file
  • Support runs on phone, chat and help centre only, so help is by phone, chat or the help centre rather than in person
OTP Banka Srbija

Ready to try OTP Banka Srbija?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Salaried adults resident in the Republic of Serbia with a valid ID card who can move salary to an OTP bank current account
  • Borrowers planning home improvement who want a fixed monthly cost
  • First-time borrowers with a minimum time in a permanent job

Who should look elsewhere

  • Anyone outside the Republic of Serbia, since eligibility is limited to residents
  • Self-employed applicants who cannot meet the salary transfer condition
  • Borrowers who want a softer credit search, as the check is hard

Safety and regulation

OTP Banka Srbija is a direct lender, so the money comes from the bank rather than a broker. A representative example is published for the dinar cash loan with a fixed rate and salary transfer, the version quoted at the headline rate. The credit check is hard, so a search is recorded rather than a soft pre-qualification. No licence or regulator is listed for this brand, so no named protection scheme appears behind the money.

Who runs it

The legal entity is OTP banka Srbija a.d. Novi Sad, headquartered in Serbia. Loans are written as personal cash products, so the same bank handles the application, the credit decision and the payout. Help runs on phone, chat and help centre, covering phone, chat and a help centre. Applicants need a valid ID card, a minimum time in a permanent contract, and a salary transfer to an OTP bank current account for the online route.

How OTP Banka Srbija compares

Where OTP Banka Srbija is available

Available
Serbia

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

Frequently asked questions

What rate do I pay on a cash loan from OTP Banka Srbija?+

The advertised annual rate runs at 8.68% to 8.8% on the dinar cash loan, and the rate type is fixed, so the instalment holds steady across the term of 13 to 71. The lowest quoted rate is the one that assumes salary is transferred to an OTP bank current account.

Is there an arrangement fee?+

The arrangement fee on the fixed-rate cash loan promotion is 0 RSD, and the percentage fee on the same product is 0%. On the combined housing loan the product fee is €0. Both are set at nothing, so the cost of borrowing here is the interest rather than upfront charges.

How long does it take to get the money?+

Same-day funding is offered, and a request is processed within minutes in the mobile app. The money is paid to your account shortly after final approval. The representative example published runs on a dinar cash loan with a fixed rate and a salary transfer condition.

What credit check will be run?+

A hard credit check is carried out, so the search is recorded against the file and can affect other borrowing. A soft pre-qualification is not offered on this product. Applicants also need a valid ID card and a minimum time in a permanent contract with the same employer.

Who can apply for a loan?+

The loan is aimed at adults living in the Republic of Serbia who hold a valid ID card. Applicants who are employees need a minimum time in a permanent contract with the same employer, and the online route in mKeš also asks that salary is paid into an OTP bank current account.

How much can I borrow and for how long?+

Borrowing runs RSD 150,000 to RSD 5,000,000 on the fixed-rate cash loan, with a term of 13 to 71. The product is a personal cash loan listed for home improvement, and the headline rate assumes a salary transfer to an OTP bank current account.

How do I reach the bank for help?+

Help is offered through phone, chat and help centre, so phone, chat and a self-service help centre are all available. Questions about the cash loan can be raised before applying, and the mobile app also handles the request and the payout.

Sources

  • otpbanka.rs/en/retail/housing-loans checked September 26, 2026

    Backs: Purpose

    “Combined housing loan with fixed interest over the first 5 years for the purchase of the first real estate; Refinancing housing loans”

  • otpbanka.rs/en/retail/housing-loans/combined-housing-loan... checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee

    “Representative example of a combined housing loan with initial fixed interest rate over the first 5 years: EIR annually 5.58 %”

  • otpbanka.rs/najcesca-pitanja-o-kes-kreditima checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Funding time

    “then give consent for the bank to obtain a Credit Bureau report”

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

    Backs: Lender type

    “OTP banka Srbija is one of the key players on the national banking market”

  • otpbanka.rs/o-nama/osnovni-podaci checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Registered seat: Novi Sad, Trg slobode 5”

  • otpbanka.rs/stanovnistvo/ponuda-kes-kredita checked September 26, 2026

    Backs: APR, Loan types, Support channels, Use cases

    “For loan amounts up to 1,200,000 dinars EKS from 8.80%; for amounts over 1,200,000 dinars EKS from 8.68%”

  • otpbanka.rs/stanovnistvo/promo-ponuda-kes-kredita-sa-fiks... checked September 26, 2026

    Backs: Loan amount, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “Amount from 150,000 to 5,000,000 dinars (dinar cash loan with fixed rate)”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

OTP Banka Srbija

OTP Banka Srbija

A fixed-rate cash loan in Serbia with quick payout and no arrangement fee.

9.3/10See alternatives

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