A debit card in Serbia is more than just a payment method — it’s a convenient tool for everyday money management. On this page, you’ll find bank offers for debit cards that include:
- Accounts in RSD, EUR, and sometimes USD
- Free or low-cost issuance and maintenance
- Mobile and online banking with contactless payments
- Wide ATM networks for cash withdrawals
Compare the conditions to find a card with minimal fees and the best digital services.
If you’re looking for the lowest maintenance costs, check Raiffeisen.
If you need multi-currency support and reliable online banking, UniCredit or OTP Banka are solid choices, with account packages starting from around 600 RSD/month.
If you prefer stability and the largest branch and ATM network, then Banca Intesa is the most popular bank in Serbia, with strong service for both locals and foreigners.
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
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
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
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
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
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
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)
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