We currently track 4 offers from Halkbank. 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. 6 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Keš kredit (primanja do 100.000 RSD)
- EKS
- 7.95%
Example: 500,000 RSD over 60 months, about 9,967 RSD per month
- Nominal rate
- 7.28%
- Interest
- fixed
Za zaposlene sa primanjima do 100.000 RSD, uz prenos dela zarade do visine rate; važi i za refinansiranje; primer 1.000.000 RSD (za 1.500.000 RSD EKS 7,73%).
Keš kredit sa fiksnom kamatom
- EKS
- 8.86%
Example: 500,000 RSD over 60 months, about 10,078 RSD per month
- Nominal rate
- 7.75%
- Amount
- to 4,000,000 RSD
- Repayment term
- to 71 months
- Interest
- fixed
Bez osiguranja, uz prenos zarade i paket računa GOLD (495 RSD mesečno); sa obaveznim CPI osiguranjem: NKS 6,75% / EKS 8,93%; važi i za refinansiranje; primer 1.000.000 RSD na 71 mesec, obračunat 03.06.2026.
Keš kredit za penzionere (primanja do 100.000 RSD)
- EKS
- 11.15%
Example: 500,000 RSD over 60 months, about 10,747 RSD per month
- Nominal rate
- 10.5%
- Amount
- to 1,000,000 RSD
- Interest
- fixed
Za penzionere sa primanjima do 100.000 RSD, sa životnim osiguranjem; važi i za refinansiranje; primer 1.000.000 RSD.
Keš kredit za penzionere
- EKS
- 12.81%
Example: 500,000 RSD over 60 months, about 10,996 RSD per month
- Nominal rate
- 11.5%
- Amount
- from 200,000 to 1,500,000 RSD
- Repayment term
- from 13 to 71 months
- Interest
- fixed
Za sve penzionere, bez obzira na visinu penzije; besplatna polisa osiguranja života; bez naknade za obradu; EKS uključuje održavanje SILVER paketa računa 295 RSD mesečno; obračun na dan 30.06.2025.
Is Halkbank the best deal for you?
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Frequently asked questions about loans
What loans does Halkbank offer?
Halkbank currently offers: Cash loans (4 offers). We checked the data on 04/11/2026 on the official bank website.
Halkbank Cash loans: what is the interest rate?
The lowest published APR is 7.95% (Keš kredit (primanja do 100.000 RSD)), nominal rate 7.28%, in dinars, fixed rate. No. 6 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
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.