We currently track 3 offers from Erste Bank. 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. 12 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Keš kredit
- EKS
- 9.38%
Example: 500,000 RSD over 60 months, about 10,379 RSD per month
- Nominal rate
- 9%
- Amount
- to 4,500,000 RSD
- Repayment term
- to 70 months
- Interest
- fixed
Bez osiguranja otplate (uz prenos zarade NKS 9,00-10,95%); sa osiguranjem NKS od 8,50% / EKS 10,13%; reprezentativni primer na dan 01.10.2026.
Keš kredit za penzionere
- EKS
- 13.82%
Example: 500,000 RSD over 60 months, about 11,377 RSD per month
- Nominal rate
- 13%
- Amount
- from 100,000 to 3,000,000 RSD
- Repayment term
- from 13 to 70 months
- Interest
- fixed
Uz prenos penzije u banku; bez prenosa NKS 13,50% / EKS 14,38%; uključeno kolektivno osiguranje života; bez naknade za obradu; primer 500.000 RSD na 70 meseci, na dan 01.10.2026.
Mortgage loans
- No. 5 of 5 banks by lowest APR, in euros, variable rate (EURIBOR). Lowest APR: Banca Intesa, 3.45%, Stambeni kredit za mlade (subvencija države).
Stambeni kredit sa kombinovanom stopom
- EKS
- 5.95%
Example: 85,000 EUR over 300 months, about 497 EUR per month
- Nominal rate
- 5% (6M EURIBOR + 2.8%)
- Repayment term
- to 360 months
- Interest
- variable
Fiksna 5,00% prvih 36 meseci, zatim 6M EURIBOR + 2,80%; moguće i 60 meseci fiksno; reprezentativni primer na dan 01.11.2026.
Is Erste Bank the best deal for you?
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Frequently asked questions about loans
What loans does Erste Bank offer?
Erste Bank currently offers: Cash loans (2 offers), Mortgage loans (1 offer). We checked the data on 04/11/2026 on the official bank website.
Erste Bank Cash loans: what is the interest rate?
The lowest published APR is 9.38% (Keš kredit), nominal rate 9%, in dinars, fixed rate. No. 12 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Erste Bank Mortgage loans: what is the interest rate?
The lowest published APR is 5.95% (Stambeni kredit sa kombinovanom stopom), nominal rate 5%, in euros, variable rate (EURIBOR). No. 5 of 5 banks by lowest APR, in euros, variable rate (EURIBOR). Lowest APR: Banca Intesa, 3.45%, Stambeni kredit za mlade (subvencija države).
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.