We currently track 6 offers from Banca Intesa. Each offer is compared with other banks by the annual percentage rate (APR), which includes fees.
Rates checked 04/11/2026 on the official bank website. Always check the bank's official website for terms and details.
Cash loans
- No. 13 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Online keš kredit (Intermezzo)
- EKS
- 10.26%
Example: 500,000 RSD over 60 months, about 10,538 RSD per month
- Nominal rate
- 9.65%
- Amount
- from 300,000 to 1,200,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Specijalna ponuda do 10.11.2026. samo putem Intesa Mobi, za zaposlene koji primaju zaradu u banci; za veće iznose zahtev online uz jedan dolazak u ekspozituru; reprezentativni primer 500.000 RSD na 71 mesec na dan 30.09.2026.
Senior keš kredit za penzionere
- EKS
- 11.7%
Example: 500,000 RSD over 60 months, about 10,859 RSD per month
- Nominal rate
- 10.95%
- Repayment term
- to 71 months
- Interest
- fixed
Specijalna ponuda do 10.11.2026. za penzionere sa primanjima do 100.000 RSD koji primaju ili prenesu penziju u banku; uključeno životno osiguranje; primer 1.000.000 RSD na 71 mesec, na dan 25.09.2026.
Senior keš kredit za penzionere (redovna ponuda)
- NKS
- 13.72%
Example: 500,000 RSD over 60 months, about 11,562 RSD per month
- Nominal rate
- 13.72%
- Amount
- from 100,000 to 2,500,000 RSD
- Repayment term
- from 12 to 71 months
- Interest
- fixed
The bank has not published the EIR for this loan — only the nominal rate (no fees included) is shown, so the offer is ranked below all offers with a published EIR.
Redovni uslovi od 01.01.2026: fiksna NKS od 13,72% do 14,18%; banka ne objavljuje EKS za redovnu ponudu; penzija ne mora da se prima u banci (tada administrativna zabrana); osiguranje života o trošku banke; bez sredstava obezbeđenja.
Mortgage loans
- Lowest APR of 5 banks, in euros, variable rate (EURIBOR).
Stambeni kredit za mlade (subvencija države)
- EKS
- 3.45%
Example: 85,000 EUR over 300 months, about 340 EUR per month
- Nominal rate
- 1.5% (3M EURIBOR + 2%)
- Amount
- to 100,000 EUR
- Repayment term
- to 480 months
- Interest
- variable
Državni program za kupovinu prve nekretnine (20-35 godina u trenutku zahteva): subvencionisana fiksna 1,50% prvih 6 godina, zatim 3M EURIBOR + 2,00 p.p.; učešće od 1%; nekretnina do 150.000 EUR; grejs do 12 meseci.
Stambeni kredit sa kombinovanom kamatnom stopom
- EKS
- 5.16%
Example: 85,000 EUR over 300 months, about 470 EUR per month
- Nominal rate
- 4.45% (3M EURIBOR + 2.4%)
- Interest
- variable
Specijalni uslovi za ponude kreirane do 15.11.2026: fiksna 4,45% prva 72 meseca, zatim 3M EURIBOR + 2,40-2,53 p.p. (EKS 5,16-5,24%); opcija 4,35% fiksno prvih 36 meseci (EKS od 5,25%); bez naknade za prevremenu otplatu; minimalna neto primanja 30.000 RSD; EKS za 80.000 EUR na maksimalni rok.
Loan refinancing
- No. 2 of 4 banks by lowest APR, in dinars, fixed rate. Lowest APR: NLB Banka, 8.14%, Kredit za refinansiranje.
Kredit za refinansiranje uz dodatni keš
- EKS
- 8.38%
Example: 500,000 RSD over 60 months, about 10,126 RSD per month
- Nominal rate
- 7.95%
- Repayment term
- to 71 months
- Interest
- fixed
Specijalna ponuda do 10.11.2026. za zaposlene sa primanjima do 100.000 RSD koji primaju ili prenesu zaradu u banku; minimalna zarada 150 EUR u dinarima; bez naknade za puštanje kredita; primer 1.000.000 RSD na 71 mesec, na dan 25.09.2026.
Is Banca Intesa the best deal for you?
Compare loans from all banks by APR and installment for your amount, or compare banks by accounts, fees and network.
Frequently asked questions about loans
What loans does Banca Intesa offer?
Banca Intesa currently offers: Cash loans (3 offers), Mortgage loans (2 offers), Loan refinancing (1 offer). We checked the data on 04/11/2026 on the official bank website.
Banca Intesa Cash loans: what is the interest rate?
The lowest published APR is 10.26% (Online keš kredit (Intermezzo)), nominal rate 9.65%, in dinars, fixed rate. No. 13 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Banca Intesa Mortgage loans: what is the interest rate?
The lowest published APR is 3.45% (Stambeni kredit za mlade (subvencija države)), nominal rate 1.5%, in euros, variable rate (EURIBOR). Lowest APR of 5 banks, in euros, variable rate (EURIBOR).
Banca Intesa Loan refinancing: what is the interest rate?
The lowest published APR is 8.38% (Kredit za refinansiranje uz dodatni keš), nominal rate 7.95%, in dinars, fixed rate. No. 2 of 4 banks by lowest APR, in dinars, fixed rate. Lowest APR: NLB Banka, 8.14%, Kredit za refinansiranje.
What is the effective interest rate (EIR) and why do we rank by it?
The effective interest rate (EIR) includes fees and other loan costs on top of the nominal rate, so it is the closest measure of the total price you actually pay. That makes EIR the only fair way to compare offers across banks.
Where does the interest rate data come from?
We collect rates from the banks' official websites (representative examples) and record the source and check date for every entry. If a bank changes its terms before our next check, the data may briefly lag behind.