Yettel Bank review

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

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Our verdict

Yettel Bank is a Serbian lender worth a look if you live in the Republic of Serbia and want a fixed-rate personal or debt consolidation loan. An APR of 8.6% sits below the site median of 12%, and free early repayment is offered.

Key facts

Best for
A low fixed-rate personal or debt consolidation loan for borrowers resident in Serbia.
APR
8.6% (Source, checked September 26, 2026)
Loan amount
RSD 3,500,000 (Source, checked September 26, 2026)
Term
70 months (Source, checked September 26, 2026)
Credit check
Hard (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
Individuals with residence in the Republic of Serbia (residents); individuals above 18 with a valid ID card; employees and pensioners with minimum monthly income of 20,000 RSD; at least 3 months with current employer (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line (Source, checked September 26, 2026)
Legal entity
Yettel Bank ad Beograd (Source, checked September 26, 2026)
Headquarters
Serbia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
yettelbank.rs

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • An APR of 8.6% sits below the site median of 12%, and the rate stays fixed.
  • Free early repayment is offered, so clearing the balance sooner costs nothing extra.
  • Borrowing of RSD 3,500,000 over a term of 70 gives room on both size and length.
  • Support runs on phone, email and chat, including a phone line and live chat.

Cons

  • A hard credit check, recorded as hard, runs on every application, so there is no gentle prequalification step.
  • Eligibility covers residents of the Republic of Serbia only, so the bank serves a single market.
  • The rate is fixed, as fixed shows, so there is no variable option if market rates fall.
Yettel Bank

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Borrowers living in Serbia with a steady monthly income who want one predictable payment.
  • People pulling several debts into one balance, since personal, debt consolidation and credit line covers debt consolidation.
  • Anyone who expects to pay the loan off early, since free early repayment is offered.

Who should look elsewhere

  • Borrowers who want a cheaper alternative to weigh, such as Cashspace ES at 0%.
  • Applicants outside Serbia, or anyone comparing a wider rate range: Cashspace lists PHP 12 to PHP 36 and Monzo Flex lists 10% to 23%.

How it compares on our data

On our data, Yettel Bank ranks 134 of 350 brands on APR, and 56 of 232 on term. Both placings are encouraging: the rate sits low in the field, and the term is longer than most of the lenders listed here, so repayments spread across more months.

How Yettel Bank compares

Where Yettel Bank is available

Available
Serbia

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

Frequently asked questions

What rate do I pay on a Yettel Bank loan?+

Personal and debt consolidation loans carry an APR of 8.6%, set as a fixed rate rather than one that moves with the market. The median across the loans listed here is 12%, so this rate sits below the middle of the field. Ask for the annual percentage rate in writing before you sign anything.

How much can I borrow, and for how long?+

The amount on offer is RSD 3,500,000, and the term available is 70. Yettel Bank lends directly rather than through a broker, so one provider handles the whole application, and personal, debt consolidation and credit line covers personal loans, debt consolidation and a credit line.

Is the rate fixed or can it change?+

The rate is fixed for the life of the loan, and fixed rate shows the same fixed-rate model throughout. Your monthly payment therefore stays put, and a rise in market rates will not push up what you pay. The trade-off is that a fixed rate never falls, even when rates elsewhere ease.

What credit check do I go through?+

Yettel Bank runs a hard credit check, recorded as hard. A hard check leaves a trace on your credit file, so it pays to look at your own position first and to weigh the cost of this loan against cheaper options before you apply.

Can I repay the loan early?+

Free early repayment is offered, so you can clear the balance ahead of schedule without an extra charge for doing it. That suits borrowers whose income is likely to rise, or who simply want a debt gone sooner, and it can cut the total interest well below the full term figure.

Who can apply for a loan?+

Applicants must be adults with a valid identity card who live in the Republic of Serbia. The bank also looks at how you earn, so a salary or a pension, a monthly income floor and time with your current employer all count. Yettel Bank ad Beograd decides the application.

Who am I dealing with?+

The lender is Yettel Bank ad Beograd, based in Serbia, and direct lender means it is the provider itself rather than a broker. One bank handles the credit decision, the paperwork and the account, so questions about the loan go to the same place from application to repayment.

How do I get help once I have applied?+

Support runs on phone, email and chat, so you can reach the bank by phone, email, chat or the help centre. A phone line matters when a payment date needs moving or an application is sitting with an underwriter. Have your agreement details to hand, as questions about a specific loan tend to need them.

Sources

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

Not confirmed yet: Arrangement fee, Funding time, Representative example.

Yettel Bank

Yettel Bank

A low fixed-rate personal or debt consolidation loan for borrowers resident in Serbia.

9.4/10See alternatives

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