UniCredit Bank BiH review

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

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Our verdict

UniCredit Bank BiH lends directly in Bosnia and Herzegovina, offering a personal cash loan of up to BAM 50,000 at a fixed rate with an origination fee of 0 BAM (no loan processing fee for online loans). It suits borrowers who want no arrangement charge and a quick release.

Key facts

Best for
A fixed rate personal cash loan of up to BAM 50,000, funded Within 24 hours.
Loan amount
up to BAM 50,000 (Source, checked September 26, 2026)
Term
120 months (Source, checked September 26, 2026)
Arrangement fee
0 BAM (no loan processing fee for online loans) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 24 hours (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Retired-person cash loan repayable up to 75 years of age; bank serves customers throughout Bosnia and Herzegovina (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
UniCredit Bank d.d. (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
unicredit.ba

Mortgages

Fixed period
20 years (Source, checked September 26, 2026)
Maximum loan to value
100% (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
UniCredit Bank d.d. (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • fixed rate borrowing over a 120 term, so the payment holds steady
  • Online loans carry an origination fee of 0 BAM (no loan processing fee for online loans)
  • Funding is Within 24 hours rather than a wait measured in working days
  • Home lending runs a 20 fixed period with a 100% maximum loan to value

Cons

  • A hard credit check is required, so a refusal can mark other borrowing
  • Lending covers personal loans only, with no listed debt consolidation, car or revolving line
UniCredit Bank BiH

Ready to try UniCredit Bank BiH?

Scored 9.5 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers in Bosnia and Herzegovina wanting a fixed rate personal loan of up to BAM 50,000
  • Retired customers needing a cash loan repayable to a stated maximum age
  • Applicants comfortable with a hard credit check and money arriving Within 24 hours

Who should look elsewhere

  • Borrowers wanting pesos, since Cashspace deals in PHP 500 to PHP 25,000 not BAM
  • Anyone needing euros, since Cashspace ES runs €100 to €5,000
  • Borrowers planning a sterling loan, as Monzo Flex works to £10,000 to £35,000

Who runs it

UniCredit Bank BiH is the brand on the advert, while the legal entity behind it is UniCredit Bank d.d., a bank based in Bosnia and Herzegovina. Support runs on phone, email and chat, so an application can be followed up by phone, by email, through live chat or with the help centre, and the same channels handle questions once the loan is drawn.

How UniCredit Bank BiH compares

Where UniCredit Bank BiH is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

How much can I borrow from UniCredit Bank BiH?+

Personal cash loans run to up to BAM 50,000, with a term set at 120. The range is fixed rate, so the cost of the loan is known from the start and does not drift with market moves. Readers who need less than the ceiling can ask the bank what it will lend in practice.

What fees does the bank charge?+

Online applications carry an origination fee of 0 BAM (no loan processing fee for online loans), and the fee on the home loan product is BAM 0. Both come through as free, so the interest rate rather than an upfront charge is what a borrower is really paying for. Interest on the fixed cash loan is the main item to compare.

Does applying need a credit check?+

The bank runs a hard credit check on cash loan applications, which is the strictest type of search and stays on file. A hard search is the norm in this category, with 76.5% of personal loans on the site working the same way, so it pays to review existing borrowing first.

How quickly would the money arrive?+

Funding is Within 24 hours for a cash loan, so the wait is measured in hours once a decision is made. Fast payouts are normal across the site, where 82.9% of offers pay out on the same day, which makes a slow release stand out.

Is the rate fixed or variable?+

The cash loan is fixed rate and the model is fixed rate, so the payment stays the same for the whole 120 term. Fixed rate dominates the market here, covering 80.5% of the offers on the site, which is why most comparisons line up fixed products against each other.

Can I borrow if I am retired?+

There is a cash loan aimed at retired people, repayable to a stated maximum age, and the bank serves customers throughout Bosnia and Herzegovina. Amounts follow the up to BAM 50,000 range and the term runs to 120, which spreads repayments over a long period. The fixed rate still applies to that product.

Can I borrow against a home?+

Home lending runs over a 20 fixed period, with a maximum loan to value of 100% and a product fee of BAM 0. The stated purposes are purchase and remortgage, so the loan covers buying a home or moving an existing one. Across the site the typical cap is lower, at 90%.

Sources

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

Not confirmed yet: APR, Representative example.

UniCredit Bank BiH

UniCredit Bank BiH

A fixed rate personal cash loan of up to BAM 50,000, funded Within 24 hours.

9.5/10See alternatives

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