It is important to know:
- Card-to-card transfers do not work if you do not have a resident account. The account is considered a resident account if you have been living in the country with a residence permit for more than 1 year.
- An account in EUR for non-residents is opened only at banks in Poshtansk, Alta Anka, API, Raiffeisen.
- The limit for ATM withdrawals is up to 150k dinars per day.
- The limit for card purchases is 150,000 dinars per day or 300,000 in 7 days. For both businesses and individuals.
- You cannot buy cryptocurrency through p2p on an individual’s card.
API bank
Debit card API bank
The cost of opening: free
The cost of maintenance: 150 RSD/month
Probability of refusal (for foreigners): low
SMS + online banking: Online banking is free, SMS is not allocated
Requirements: passport, visit branch
Cashback: no
Deposit from API bank
Interest rate (RSD): up to 4,2 %
Interest rate (Dollars): up to 0,8%
Minimum term: from 12 months
Minimum deposit amount: not specified
Credit card from API bank
Grace period: Presumably up to 45 days
Credit limit: individualy
% rate: Approximately from 22 to 32% per annum
The cost of maintenance: Check with the bank’s staff
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
OTP banka
Debit card from OTP Banka
The cost of opening: It’s free, but it’s better to apply with a resident status. It’s a long time coming, since the check is done in Serbia and Hungary.
The cost of maintenance: no monthly fee for DinaCard
Probability of refusal (for foreigners): middle
SMS + online banking: 9 RSD for SMS-info; 7 RSD for SMS banking
Requirements: passport, visit Serbia in person
Cashback: no
Deposit from OTP Banka
Interest rate (RSD): ~5%
Interest rate (Dollars): from 0,8% to 2%
Minimum term: from 3 to 25 months
Minimum deposit amount: from RSD 60 000
Credit card from OTP Banka
Grace period: up to ~120 days
Credit limit: for Standard products: RSD 100 000 for cash withdrawals at ATMs and POS terminals, RSD 200 000 for payments at POS terminals and RSD 200 000 for Online payments
% rate: ~34–35% per annum
The cost of maintenance: 0–~3 000 RSD
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
UniCredit Bank
Debit card from UniCredit Bank
The cost of opening: for free
The cost of maintenance: ~240 RSD (Standard); 200 RSD (Senior); 395–2000 RSD (Gold, Prestige)
Probability of refusal (for foreigners): medium
SMS + online banking: e-bank/m-bank for free; SMS–Alarm is in packet
Requirements: passport, branch visit
Cashback: No
Deposit from UniCredit Bank
Interest rate (GEL): ~3,00 % (12 months)
Interest rate (Dollars): ~1,80 %
Minimum term: from 1 to 32 months
Minimum deposit amount: from RSD 2 000
Credit card from UniCredit Bank
Grace period: up to ~45 days
Credit limit: from 80 000 (standard Dinacard) to 480 000 RSD (Platinum) daily
% rate: ~22%
The cost of maintenance: About 200 RSD per month. Check with the bank for more details (73 RSD per month is mandatory for service SMS CARD ALARM)
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years
Raiffeisen banka
Debit card from Raiffeisen banka
The cost of opening: for free
The cost of maintenance: 150 RSD (Basic); iRačun – for free; Biznis iRačun – 0 RSD first 12 months, then 250 RSD per month
Probability of refusal (for foreigners): High
SMS + online banking: for free
Requirements: passport, branch visit
Cashback: No
Deposit from Raiffeisen Banka
Interest rate (GEL): 4,00 %
Interest rate (Dollars): ~ 0,8%
Minimum term: 12 months
Minimum deposit amount: from RSD 20 000
Credit card from Raiffeisen Banka
Grace period: ~45 days
Credit limit: individualy
% rate: Approximately from 22 to 32% per annum
The cost of maintenance: Check with the bank’s staff
Requirements: You need to be a working or retired person with a monthly salary/pension of more than 18,000 dinars. If you are employed, you must have worked for your current employer for at least 6 months. You must be at least 20 and no more than 68 years old at the time of application.
Card validity period: 2 years
Adriatic bank
Debit card from Adriatic bank
The cost of opening: free for basic package
The cost of maintenance: 0 EUR (basic); 1.99 EUR/month (e-banking up to 20 000 EUR); higher – 25 EUR/month
Probability of refusal (for foreigners): low
SMS + online banking: E-banking for free; SMS-info for free
Requirements: passport, branch visit
Cashback: no
Banka Poštanska štedionica
Debit card from Poštanska štedionica
The cost of opening: 3800 RSD
The cost of maintenance: for free
Probability of refusal (for foreigners): Medium
SMS + online banking: for free
Requirements: passport, branch visit
Cashback: No
Yettelbank
Debit card from Yettelbank
The cost of opening: for free
The cost of maintenance: 150–595 RSD depends from rate
Probability of refusal (for foreigners): middle
SMS + online banking: SMS 2-10 RSD/SMS (depends from rate); online banking is for free
Requirements: passport, branch visit
Cashback: Yes (500 RSD through Yettel Sve)
Deposit from Yettelbank
Interest rate (RSD): 2,01%
Interest rate (EUR): 0,25%
Minimum term: 12 months
Minimum deposit amount: presumably 600 000 RSD
Credit card from Yettelbank
Grace period: up to 45 days
Credit limit: up to 300 000 RSD
% rate: from 5% per month
The cost of maintenance: from 50 RSD per month
Requirements: income verification, retired people minimum income of 20 000 RSD per month, age from 20 to 70 years
Card validity period: 2 years
Altabanka
Debit card from Altabanka
The cost of opening: for free
The cost of maintenance: 0 RSD (basic rate) / 280 RSD (rate for salary) / 99 RSD (without withdraws) / retirement – 140 RSD
Probability of refusal (for foreigners): low
SMS + online banking: for free
Requirements: passport, branch visit
Cashback: No
Deposit from Altabanka
Interest rate (RSD): from 1% to 5%
Interest rate (Dollars): from 0,08% to 2,82% (if you make a deposit on 36 months at 10 000+ EUR)
Minimum term: from 2 months to 36 months
Minimum deposit amount: 100 000 RSD
Credit card from Altabanka
Grace period: 45 days
Credit limit: up to 4× the average salary of the client
% rate: from 19,98–26,70% per annul
The cost of maintenance: 1 200 RSD per year
Requirements: income verification, minimum income of $500 per month, age from 20 to 70 years
Card validity period: 2 years