Raiffeisen Bank Serbia review

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

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Our verdict

Raiffeisen Bank Serbia suits borrowers in Serbia who want a direct-lender cash loan at a fixed rate with no processing fee. The dinar cash loan runs at 7.57% to 8.35% with terms of 6 to 70, and money can arrive quickly for online cash loan applications.

Key facts

Best for
A fixed-rate dinar cash loan in Serbia with a fast payout and no processing fee.
APR
7.57% to 8.35% (Source, checked September 26, 2026)
Loan amount
RSD 80,000 to RSD 4,000,000 (Source, checked September 26, 2026)
Term
6 to 70 months (Source, checked September 26, 2026)
Arrangement fee
0.00% (0 RSD) application processing fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money within 30 minutes for online cash loan applications (up to 1,200,000 RSD online) (Source, checked September 26, 2026)
Representative example
Dinar cash loan 1,000,000 RSD over 70 months at 7.90% fixed, monthly instalment 17,875.46 RSD, total payable 1,251,578.20 RSD, EKS 8.03% (as of 09.09.2025) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Employed permanently or fixed-term, min net salary 20,000 RSD, min 6 months total work experience, min 3 months in current job, age 20 at application and max 70 at final instalment (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Secured, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Raiffeisen banka a.d. Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
raiffeisenbank.rs

Mortgages

Initial rate
1.5% (Source, checked September 26, 2026)
Fixed period
6 years (Source, checked September 26, 2026)
Maximum loan to value
99% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Raiffeisen banka a.d. Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Fixed-rate cash loan with APR of 7.57% to 8.35% and terms of 6 to 70
  • Free early repayment on the cash loan
  • No application processing fee on the cash loan: 0.00% (0 RSD) application processing fee
  • A direct lender rather than a broker, with direct lender lending in its own name

Cons

  • Hard credit check on the cash loan, since applications run a hard check
  • Repayment starts quickly on the shortest term of 6 to 70, which suits steady income only
  • Support runs on email, chat and phone rather than a single channel
Raiffeisen Bank Serbia

Ready to try Raiffeisen Bank Serbia?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Serbia with permanent or fixed-term employment and a minimum net salary
  • Anyone planning home improvement work, since the cash loan covers home improvement

Who should look elsewhere

  • Cashspace or Cashspace ES, where the listed APR of PHP 12 to PHP 36 or 0% may suit a different market
  • Monzo Flex, whose APR of 10% to 23% is far higher than the 7.57% to 8.35% here

How your money is protected

The lender here is Raiffeisen banka a.d. Beograd, a direct lender rather than an intermediary, so direct lender means the decision and the funds sit with the same bank. Its representative example is a dinar cash loan over 6 to 70 at a fixed rate, with total payable shown on the loan terms. Read the representative example on the cash loan page before you sign.

The company behind it

Raiffeisen Bank Serbia operates as Raiffeisen banka a.d. Beograd, based in Serbia and founded in 2001. It lends in its own name across personal, debt consolidation, car, secured and credit line products. Support runs on email, chat and phone, so help is available by email, chat, phone and help centre.

How Raiffeisen Bank Serbia compares

Where Raiffeisen Bank Serbia is available

Available
Serbia

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

Frequently asked questions

What APR does the Raiffeisen Bank Serbia cash loan charge?+

The dinar cash loan is priced at 7.57% to 8.35% and the rate is fixed, so the instalment stays level for the whole term of 6 to 70. Its representative example shows a fixed rate on a dinar cash loan with the monthly instalment and total payable set out on the loan page.

Is there a fee to apply for the cash loan?+

No. The application processing fee is 0% on the cash loan, and the published fee line reads 0.00% (0 RSD) application processing fee. Early repayment is free, so settling the loan early carries no charge. That keeps the total cost close to interest alone.

How much can I borrow and for how long?+

The cash loan runs from RSD 80,000 to RSD 4,000,000 in dinars, and terms stretch 6 to 70. Online cash loan applications are capped lower than the overall range, and the size you get depends on income and credit checks rather than on the published range alone.

How quickly is the money sent?+

Money can arrive within a short window for online cash loan applications, and the cash loan is listed with same-day funding among its features. The online application limit sits below the top of the RSD 80,000 to RSD 4,000,000 range, so larger sums follow a different route.

Who can apply for the cash loan?+

Applicants need permanent or fixed-term employment, a minimum net salary, a minimum period of total work experience and time in the current job, plus a minimum age at application and a maximum age at the final instalment. A hard credit check runs on the application.

Is Raiffeisen Bank Serbia a lender or a broker?+

It is a direct lender, recorded as direct lender, and the legal entity is Raiffeisen banka a.d. Beograd. That means you deal with the bank that funds the loan, and it is headquartered in Serbia as shown by RS.

What kinds of loan does the bank offer?+

The range covers personal, debt consolidation and car loans, so a personal cash loan sits alongside car, secured, debt consolidation and credit line borrowing. Purpose is broad, with home improvement named as a use for the cash loan.

How can I get help if something is unclear?+

Support runs on email, chat and phone, covering email, chat, phone and a help centre. The bank has operated since 2001, so the contact options sit alongside a long presence in the Serbian market.

Sources

  • raiffeisenbank.rs checked September 26, 2026

    Backs: Features, Funding time

    “Get money in 30 minutes online”

  • raiffeisenbank.rs/sr/common/kontakt.html checked September 26, 2026

    Backs: Support channels

    “Ask Rea, our digital assistant, via chat icon on Viber or Messenger; send an email info@raiffeisenbank.rs; call our Contact centre +381 11 3202 100; find answers in the knowledge base”

  • raiffeisenbank.rs/sr/common/o-banci.html checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “As the first domestic bank in 100 percent foreign ownership, we began operating in Serbia in 2001”

  • raiffeisenbank.rs/sr/stanovnistvo/krediti.html checked September 26, 2026

    Backs: Loan types

    “Cash loan, refinancing loan, mortgage loan, car loan, web instalment loan, pensioner cash loan, allowed overdraft and credit cards”

  • raiffeisenbank.rs/sr/stanovnistvo/krediti/kes-kredit.html checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Free early repayment, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Loan amount: from 80,000 RSD to 4,000,000 RSD (dinar cash loan)”

  • raiffeisenbank.rs/sr/stanovnistvo/krediti/stambeni-kredit... checked September 26, 2026

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

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

Raiffeisen Bank Serbia

Raiffeisen Bank Serbia

A fixed-rate dinar cash loan in Serbia with a fast payout and no processing fee.

9.2/10See alternatives

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