Raiffeisen banka Srbija review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Raiffeisen banka Srbija suits employed borrowers who want a fixed rate cash loan with quick online payout and free early repayment. You can borrow within RSD 80,000 to RSD 4,000,000 on predictable monthly payments, with eligibility and income checks before approval.

Key facts

Best for
Fixed rate cash loan with quick payout for employed applicants
APR
7.57% to 8.35% (Source, checked September 29, 2026)
Loan amount
RSD 80,000 to RSD 4,000,000 (Source, checked September 29, 2026)
Term
6 to 70 months (Source, checked September 29, 2026)
Arrangement fee
0% (Source, checked September 29, 2026)
Credit check
Hard (Source, checked September 29, 2026)
Funding time
30 minutes online (Source, checked September 29, 2026)
Representative example
Loan 1000000 RSD, 70 months, fixed 7.9%, EKS 8.35%, monthly 17875.46 RSD (Source, checked September 29, 2026)
Rate type
Fixed (Source, checked September 29, 2026)
Lender type
Direct lender (Source, checked September 29, 2026)
Free early repayment
Yes (Source, checked September 29, 2026)
Eligibility
Age 20-70, employed, min net salary 20000 RSD (Source, checked September 29, 2026)
Origination fee (%)
0% (Source, checked September 29, 2026)
Loan types
Car, Debt-consolidation, Personal (Source, checked September 29, 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
Chat, Email, Help-centre, Phone (Source, checked September 29, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
raiffeisenbank.rs

Mortgages

Initial rate
4.2% (Source, checked September 29, 2026)
APRC
4.75% (Source, checked September 29, 2026)
Fixed period
5 years (Source, checked September 29, 2026)
Maximum loan to value
90% (Source, checked September 29, 2026)
Product fee
RSD 0 (Source, checked September 29, 2026)
Purpose
Purchase, First-time-buyer, Remortgage (Source, checked September 29, 2026)
Lender type
Direct lender (Source, checked September 29, 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
Chat, Email, Help-centre, Phone (Source, checked September 29, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Funding can arrive within 30 minutes online for eligible online requests
  • Rate stays predictable through fixed across 6 to 70
  • Mortgage setup carries product costs of RSD 0 alongside APRC of 4.75%

Cons

  • Approval needs a hard inquiry shown by hard, which leaves a mark on your credit file
  • Eligibility is tied to employment and income rules in Age 20-70, employed, min net salary 20000 RSD, which excludes applicants outside those rules
  • Funding is quick but still requires full checks within 30 minutes online, not money without review
Raiffeisen banka Srbija

Ready to try Raiffeisen banka Srbija?

Scored 9.4 / 10 by BorrowCue.

See alternatives

Who it suits

  • Employed borrowers choosing Raiffeisen banka Srbija over Ibancar Prestamos for APR of 7.57% to 8.35% and quick funding
  • Borrowers consolidating debts who pick Raiffeisen banka Srbija over Mi Prestamo for fixed terms of 6 to 70
  • Car buyers comparing Raiffeisen banka Srbija with AXI Card Tarjeta y Credito for a direct bank loan with clear schedule

Who should look elsewhere

  • Applicants wanting soft prequalification rather than review under hard may prefer Mi Prestamo after checking terms
  • Applicants outside income rules in Age 20-70, employed, min net salary 20000 RSD may look at AXI Card Tarjeta y Credito for a different credit product

Who runs it

Raiffeisen banka Srbija operates as Raiffeisen banka a.d. Beograd with home base in RS and activity since 2001. It serves retail borrowers directly rather than through brokers. You can reach the team through chat, email and help centre, which covers chat, email, help centre and phone for product and repayment questions.

How Raiffeisen banka Srbija compares

Where Raiffeisen banka Srbija is available

Available
Serbia

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does the Raiffeisen cash loan cost?+

The cash loan carries APR of 7.57% to 8.35% with a fixed rate structure shown by fixed. The arrangement charge is 0%, so you do not pay extra to set up the loan. Your monthly payment stays stable because the rate does not change during repayment.

How much can I borrow and for how long?+

You can borrow within RSD 80,000 to RSD 4,000,000 and repay over 6 to 70. That span lets you match the monthly payment to your budget, with longer schedules lowering each payment while raising total interest. Your approved amount and schedule depend on income and credit review.

Will applying affect my credit record?+

Applications face a hard inquiry shown by hard. That check lets the bank review your credit history before approval and it may affect your credit record. You should apply when you meet the employment and income rules and want to proceed.

How fast is the payout?+

Online decisions can be ready within 30 minutes online where conditions are met. Payout speed still depends on document checks, approvals and bank transfer times. You can track progress through support on chat, email and help centre if additional proof is requested.

Can I repay early without a penalty?+

Early repayment carries no extra charge under the free early repayment rule. You can shorten the term or clear the balance when funds allow and reduce remaining interest. Ask support to confirm the updated schedule before you send the final payment.

What mortgage terms are shown?+

The mortgage option shows an initial rate of 4.2% with APRC of 4.75% and a fixed period of 5. Maximum loan to value is 90%, with use for purchase, first time buyer and remortgage. Your final rate and limit depend on property value and credit review.

How do I get help with my loan?+

Support is available through chat, email and help centre. You can ask about eligibility, documents, repayment dates and early settlement by phone, chat, email or help centre. Keep loan details ready so the team can give advice linked to your application.

Sources

Compiled from 7 source pages, checked September 29, 2026. We did not open an account.

Raiffeisen banka Srbija

Raiffeisen banka Srbija

Fixed rate cash loan with quick payout for employed applicants

9.4/10See alternatives

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