Raiffeisen Bank BiH iKes review

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

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Our verdict

Raiffeisen Bank BiH lends directly, with a fixed rate on personal loans and a processing fee of 0.00 BAM processing fee (naknada za obradu). It suits borrowers in Bosnia and Herzegovina with regular monthly income who want a straightforward bank loan rather than a broker deal.

Key facts

Best for
A fixed-rate personal loan in BAM from a bank you can reach by phone or email.
APR
5.89% to 7.28% (Source, checked September 26, 2026)
Loan amount
BAM 400 to BAM 50,000 (Source, checked September 26, 2026)
Term
1 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0.00 BAM processing fee (naknada za obradu) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
EKS 5.89% on 50,000 BAM over 60 months for the Cash and Integral loans (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
BiH citizens, creditworthy, with regular monthly income (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Raiffeisen BANK d.d. Bosna i Hercegovina (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
raiffeisenbank.ba

Mortgages

Initial rate
3.49% (Source, checked September 26, 2026)
APRC
3.92% (Source, checked September 26, 2026)
Fixed period
20 years (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
Raiffeisen BANK d.d. Bosna i Hercegovina (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.comyoutube.comtiktok.com

Pros and cons

Pros

  • Personal loans from BAM 400 to BAM 50,000 at a fixed rate of 5.89% to 7.28%
  • Arrangement costs nothing extra: 0.00 BAM processing fee (naknada za obradu)
  • Home loans priced at an initial rate of 3.49% with a 3.92% APRC
  • Support runs on phone and email

Cons

  • A hard credit check means hard on your file before a decision
  • Support runs on phone and email only, with no branch or chat route listed
Raiffeisen Bank BiH iKes

Ready to try Raiffeisen Bank BiH iKes?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Bosnia and Herzegovina with regular monthly income and a good credit record
  • Anyone who wants a fixed rate rather than a rate that moves with the market
  • Applicants who would rather deal with the bank itself than a broker

Who should look elsewhere

  • Borrowers who cannot take a hard credit check, as the process runs a hard search
  • Anyone who needs a variable rate, since the personal loan is fixed
  • People looking for loan amounts outside BAM 400 to BAM 50,000, the range the bank publishes

How your money is protected

Raiffeisen Bank BiH is a direct lender, so the loan comes straight from the bank and the terms are set by them rather than by a broker's panel. The published representative example sits at the cheaper end of the 5.89% to 7.28% range, and the published terms describe the pricing rather than any protection scheme, so ask the bank directly what sits behind the loan.

The company behind it

The lender is Raiffeisen BANK d.d. Bosna i Hercegovina, based in Bosnia and Herzegovina and operating since 1992, which puts it in the middle range for how long lenders in the comparison have been trading. Questions go to the bank on phone and email, so an application is handled by the lender itself. A long trading record also means the same team handles the loan for its whole life.

How Raiffeisen Bank BiH iKes compares

Where Raiffeisen Bank BiH iKes is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What rate will I pay on a personal loan from Raiffeisen Bank BiH?+

The personal loan runs at a fixed rate of 5.89% to 7.28%, the same whichever amount you take within the range. The published representative example sits at the cheaper end of that range, on the top of the BAM 400 to BAM 50,000 range with a term of 1 to 120 for the Cash and Integral loans.

How much can I borrow and how long can I take to repay?+

Personal loans run from BAM 400 to BAM 50,000, and the term runs from 1 to 120. That gives a wide spread of monthly commitments, from a short bridge to a long-term loan, though the amount and term you get depend on your income and credit record.

Are there arrangement or processing fees?+

The processing fee on a personal loan is 0.00 BAM processing fee (naknada za obradu), so nothing is added on top for handling the application. On a home loan the product fee is BAM 0. The APR is what to watch in both cases, since it folds the cost of borrowing into one figure.

How does the credit check work?+

The process runs a hard search, which means an application is based on a full check rather than a soft one. Applicants should expect the search to leave a mark, so it pays to check your own position before applying. Eligibility is limited to BiH citizens, creditworthy, with regular monthly income.

What is a home loan from this bank priced at?+

The home loan opens at an initial rate of 3.49%, with an APRC of 3.92% that captures the full cost over a longer period. The fixed period runs 20, and the loan covers both purchase and remortgage purposes.

Who does Raiffeisen Bank BiH lend to?+

The stated eligibility is BiH citizens, creditworthy, with regular monthly income. In practice that points to adults living in Bosnia and Herzegovina with a steady monthly income and a sound credit history, since the process runs a hard search. Borrowing is in BAM, the local currency.

How do I reach the bank about an application?+

Questions go through phone and email, so phone and email are the listed routes. The bank is a direct lender, which means the application is handled by the bank itself rather than passed to a panel of lenders. A bank contact is the quickest way to confirm what a rate quote would look like for a specific amount.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Raiffeisen Bank BiH iKes

Raiffeisen Bank BiH iKes

A fixed-rate personal loan in BAM from a bank you can reach by phone or email.

9.1/10See alternatives

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