10 Best Banks in Serbia & Their Top Services

Looking for the Best Banks in Serbia? Serbia can be best described as one of the safe banking havens in the world. It has a well-structured and developed banking system, and it is therefore not surprising that Serbia has one of the best banking services in the world. 

Serbia’s services are not limited to its citizens alone, it also extends to non-residents and foreigners. All of these qualities make the country a good place for International banking. 

Are you in need of a bank that offers premium services to both residents and non-residents? This article is for you. 

The List of Best Banks in Serbia

Here is a list of the best banks in Serbia in no chronological order: 

1.Addiko Bank a.d. Beograd 

Bulevar Mihajla Pupina 6, 

11000 Beograd, 

Serbia. 

Addiko Bank a.d. Beograd was established as a commercial Bank in 2015 and is one of the best banks in Serbia. It is also the 13 largest bank in Serbia in terms of total assets. This bank offers business and retail banking services to individuals, farmers, and small and medium enterprises. Addiko Bank a.d. Beograd focuses on contributing to the growth of consumer business. 

Other services include: 

● Mortgage loan 

● Car loan 

● Current account 

● Debit card(dinar card and MasterCard only) 

● Savings account 

● Time deposit account 

● Consumer loan. 

Clients can open accounts in both local (Serbian dinar) and foreign currencies (euro and us dollar). 

For more information visit their website or call +381112226000.

2.Agroindustrijsko Komercijalna Banka 

Bulevar Mihajla Pupina, 

115d Beograd, 

Serbia 

Agroindustrijsko Komercijalna banka was established in 1976 and started as an agro-industrial bank. In 1993, it started its operations as a universal bank and is the 9th largest and one of the best banks in Serbia. 

Agroindustrijsko Komercijalna Banka offers top-notch business (agriculture) and retail banking services to individuals, small and medium-sized enterprises, companies, and financial institutions. 

Other services include: 

● Retirement loan 

● Refinancing loan 

● Mortgage loan 

● Car loan 

● Consumer loan 

● Time deposit account 

● Savings account 

● Credit card (visa master and dinar cards only) 

● Debit card 

Clients can also open accounts in both local (Serbian dinar) and foreign currencies (Euro, US dollar, and Swiss franc). 

For more information visit their website or call +3810112029050. 

3. ALTA Banka 

Bulevar Zorona Đinđića 121, 

11070 Belgrade, 

Serbia. 

ALTA Banka was established in 1979 as a JUMES bank but continues its services as ALTA bank since March. 

It has been ranked the 16th largest and one of the best banks in Serbia. As a universal bank, ALTA Banka offers individuals, small and medium enterprises providing them with corporate banking, retail banking, and investment banking services in the local and international markets.

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Other products and services include: 

● Overdraft loan 

● Mortgage loan 

● Car loan 

● Consumer loan 

● Cash loans 

● Children’s savings account 

● Annuity savings account 

● Time deposit account 

● Savings accounts 

● Debit card (visa and dinar card only) 

● Credit card 

● Current account. 

Clients can also open multiple foreign accounts (Euro, US dollars and Swiss francs) and local accounts (Serbian dinar). 

For more information visit their website or call +381112205500. 

4. API Banka 

Balkanska 2, 

11000 Beograd, 

Serbia. 

API Banka was established in 2018 by Andrey Shlyakhowy a Russian investor. This is one of the best banks in Serbia that offers retail banking and business banking services to Serbian companies and individuals (foreigners and citizens). 

API Banka also provides digital solutions to their clients to facilitate easy and smooth banking. Other products and services include: 

● Business loan 

● Business account 

● Overdraft loan 

● Time deposit account 

● Savings account 

● Credit card 

● Debit card (visa and dinar card only) 

Clients can open multiple foreign accounts (Euros and US dollars) and local accounts (Serbian dinar). 

For more information visit their website or call +381113952265.

5. Euro Bank Direktna 

Vuka Karadžića 10, 

11000 Belgrade, 

Serbia. 

Euro Bank Direktna is a member of the Euro group that was established in 1990 and is currently available in 6 countries, including Serbia. This is one of the best Serbian banks that provide retail banking, corporate banking, and business banking to individuals, small and medium enterprises (SMEs), and companies. 

Euro Bank Direktna provides other products and services such as: 

● Mortgage loan 

● Car loan 

● Consumer loan 

● term deposit account 

● Savings account 

● Current account 

● Debit cards (visa, master, and dinar cards only) 

● Credit cards 

Clients can open multiple foreign accounts in various currencies and local accounts (Serbian dinar). Euro Bank Direktna also allows international transfers through MoneyGram or Western Union and its transfer. 

For more information visit their website or call +381112023353. 

6. Poštanska Štedionica (Postal Savings Bank) 

Kraljice Marije 3, 

1120 Belgrade, 

Serbia. 

Poštanska Štedionica was established in 1921 but obtained its banking license in 2012. Poštanska Štedionica is one of the best banks in Serbia and is ranked the 6th largest bank in Serbia. The bank has a large area network and numerous branches in the region. 

Poštanska Štedionica provides SMEs and individuals with top-notch banking services, which include retail and business banking. 

Other products and services include:

● Mortgage loan 

● Car loan 

● Consumer loan 

● Cash loan 

● Children’s savings account 

● Time deposit account 

● Savings account 

● Student account 

● Pension account 

● Current account 

● Debit card (visa, maestro, master, and dinar cards only) 

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● Credit card 

● Prepaid cards 

Clients can open accounts in local 

(Serbian dinar) and multiple currencies such as Euro, US dollars, Canadian dollars, pound sterling, Australian dollars, Swiss francs, Norwegian krone, Swedish króna, Chinese yuan, and Russian ruble. 

For more information visit their website or call +381112020292. 

7. Mobi Banka 

Omladinskih brigada 90v, 

11030, Belgrade 

Serbia. 

Mobi Banka was established in 2014 as Telenor Banka but began operating Mobi Banka in 2019. This is one of the best banks in Serbia and was ranked 17th largest in 2021. 

Mobi Bank was the first bank in the country to completely provide banking services (retail) services and products digitally to clients. 

Other products and services include: 

● Overdraft loan 

● Device loan 

● Refinancing loan 

● Cash loan 

● Term deposit saving 

● Current account 

● Debit card (master and dinar cards only) 

● Credit card

Clients can open accounts in local (Serbian dinar) and multiple currencies such as Euro US dollars, Pound sterling, Swiss franc, and Norwegian krone. 

For more information visit their website or call +38111409670. 

8. Raiffeisen Bank 

Đorđa Stanojevića 16, 

11000 Belgrade, 

Serbia. 

Raiffeisen Bank is a part of the Raiffeisen banking group, an Austrian banking group and established a branch in Serbia in 2001. Raiffeisen Bank is one of the best banks in Siberia and the first local bank to be funded by foreign capital. 

The bank provides investment, corporate, business, SME, private and retail banking to individuals and business owners. 

Other products include: 

● Current account 

● Student account 

● savings account 

● Deposit account 

● Pensions account 

● Credit card 

● Debit card (visa, master, and dinar card only) 

● Investment funds 

● Consumer loan 

● Cash loan 

● Car loan 

● Refinancing loan 

● Mortgage loan. 

Clients can open accounts in local (Serbian dinar) and multiple currencies such as euro, US dollar, Pound sterling, Swiss franc, Australian dollar, Canadian dollar, Japanese yen, Russian ruble, Danish krone, and Norwegian krone. 

For more information visit their website or call +381113202100. 

9. Banca Intesa 

Milentija Popovića 7b,

11000, Belgrade, 

Serbia. 

Banca Intesa was established in 1990 and is the first and best private bank in Serbia. In the early years of its establishment, Banca Intesa was solely focused on corporate clients. In 2005, it became a universal and commercial bank. 

Banca Intesa provides retail banking and business banking to small and medium enterprises and individuals. 

Other products and services include: 

● Investment funds 

● Savings account 

● Current account 

● Green loan 

● Cash loans 

● Consumer loan 

● overdraft loan 

● Debit cards 

● Credit card 

● Bank cheques. 

For more information visit their website or call +381112011200. 

10. Unicredit Bank 

Rajićeva 27-29, 

11000 Belgrade, 

Serbia. 

Unicredit Bank is a member of Unicredit Group, an Italian pan-European finance group. The Unicredit bank established a branch in Serbia to provide retail banking service business banking service and corporate banking services to enterprises, individuals, private clients, and corporate and international companies. 

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Other products and services include: 

● Current account 

● Deposit account 

● Savings account 

● Debit card 

● Credit card 

● Overdraft loan 

● Insurance cash loan

● Credit cards 

● Business loan. 

Advantages of Opening an Account in Serbia

  • 1. Serbia is one of the few countries in Europe that do not share information with the Common Reporting Standard (CRS). Common Reporting Standard is a policy that allows foreign banks to exchange sensitive information about your account in your home country to the finance department (which includes tax authorities) in the country you are visiting or residing in. 

  • 2. The process of opening an account is simple, even for foreigners. 

  • 3. They use the IBAN system that helps to facilitate smooth international payments and transfers. 

  • 4. In addition to having a local Serbia bank account, foreigners have access to banks from Turkey, Russia, America, UAE, China, and the EU. 

  • 5. As an account holder, you have the privilege of opening both local (Serbian dinar) and multiple foreign accounts in various currencies such as 3uro, US dollars, Canadian dollars, Pound sterling, Australian dollar, Swiss francs, Norwegian krone, Swedish kronor, Chinese yuan, and Russian ruble. 

  • 6. Payment cards are available for all local and foreign accounts. 

  • 7. The Siberian banking system offers banking services to non-residents, foreigners, and visitors. Unlike other countries, U.S. citizens and residents can open any type of bank account in Serbia without any difficulty. All that is required is an extra documentation. 

  • 8. Serbia is one of the first countries in the world to operate a crypto-friendly system. They welcome crypto traders, businesses, and investors. In some countries, crypto investors find it difficult to make transactions and open accounts on crypto exchanges. 

  • 9. As a political individual, opening foreign bank accounts can be very difficult, especially in countries within the European Union, but in Serbia, it is simple and easy as long as you show proof of residency and proof of a business or corporate structure. 

  • 10. Serbian banks allow privacy, protection, and tax-paying options.

Requirements For Opening an Account

The requirements to open an account vary from bank to bank depending on the situation or case. Here are the basic requirements for all banks. 

Personal/ Individual 

● Two government-issued identification 

● Proof of address/ valid address 

● Letter of employment to prove a source of income 

● Personal references 

● White card (for tourists) 

Business organizations and companies 

● Company registration certificate 

● Article of association certificate 

● Identification documents of the company’s board of directors 

● Ownership certificate.

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