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OTP banka loans

OTP banka Srbija a.d. Novi Sad · Novi Sad

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We currently track 12 offers from OTP banka. 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. 9 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.

  1. mKeš online keš kredit (preko 1.200.000 RSD)

    EKS
    8.43%

    Example: 1,300,000 RSD over 60 months, about 26,422 RSD per month

    Nominal rate
    8.1%
    Amount
    from 1,200,001 to 4,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Promo 02.11-30.11.2026. za iznose preko 1.200.000 RSD, za klijente sa prijemom zarade u banci; potpis kvalifikovanim elektronskim potpisom; EKS iz primera banke obračunatog po NKS 8,10% (600.000 RSD na 60 meseci, EKS 8,43%, obračun na dan 27.10.2026.); banka navodi EKS od 8,41%.

    Terms on the bank's site ↗

  2. mKeš online keš kredit

    EKS
    8.88%

    Example: 500,000 RSD over 60 months, about 10,198 RSD per month

    Nominal rate
    8.25%
    Amount
    from 150,000 to 1,200,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Promo 02.11-30.11.2026. kroz OTP m-bank, za klijente sa prijemom zarade u banci, bez uslova o visini primanja; banka navodi EKS od 8,41%; reprezentativni primer 150.000 RSD na 13 meseci NKS 8,25%, EKS 8,88% (obračun na dan 27.10.2026.); bez naknade za puštanje kredita.

    Terms on the bank's site ↗

  3. Promo dinarski keš kredit sa fiksnom kamatom (preko 1.200.000 RSD)

    EKS
    9.01%

    Example: 1,300,000 RSD over 60 months, about 26,766 RSD per month

    Nominal rate
    8.65%
    Amount
    from 1,200,001 to 5,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Promo 02.11-30.11.2026. uz prenos ličnih primanja u banku, za sve visine primanja; bez naknade za puštanje kredita; primer 1.600.000 RSD na 60 meseci EKS 9,01%.

    Terms on the bank's site ↗

  4. Promo dinarski keš kredit sa fiksnom kamatom

    EKS
    9.14%

    Example: 500,000 RSD over 60 months, about 10,319 RSD per month

    Nominal rate
    8.75%
    Amount
    from 150,000 to 1,200,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Promo 02.11-30.11.2026. uz prenos ličnih primanja u banku, za sve visine primanja (banka navodi EKS od 9,00%); bez naknade za puštanje kredita; primer 600.000 RSD na 60 meseci EKS 9,14%.

    Terms on the bank's site ↗

  5. Dinarski keš kredit sa fiksnom kamatom

    EKS
    10.21%

    Example: 500,000 RSD over 60 months, about 10,562 RSD per month

    Nominal rate
    9.75%
    Amount
    from 150,000 to 5,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Redovna ponuda uz prenos ličnih primanja u banku: fiksna 9,75% za rok 13-71 mesec (EKS od 10,20%); primer 1.600.000 RSD na 60 meseci EKS 10,21% (600.000 RSD: EKS 10,22%), obračun na dan 27.10.2026.; bez prenosa plate NKS 12,25%; bez naknade za puštanje kredita.

    Terms on the bank's site ↗

  6. Evergrin online keš kredit za penzionere

    EKS
    12.65%

    Example: 500,000 RSD over 60 months, about 11,110 RSD per month

    Nominal rate
    11.95%
    Amount
    from 150,000 to 4,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Online promo 02.11-30.11.2026. preko OTP m-bank aplikacije, za klijente sa prijemom penzije u banci; uključeno životno osiguranje; bez naknade za puštanje kredita; primer 600.000 RSD na 60 meseci EKS 12,65% (obračun na dan 27.10.2026.).

    Terms on the bank's site ↗

  7. Evergrin keš kredit za penzionere

    EKS
    14.91%

    Example: 500,000 RSD over 60 months, about 11,621 RSD per month

    Nominal rate
    13.95%
    Amount
    from 150,000 to 5,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Redovna ponuda za sve penzionere, uz prenos ili bez prenosa penzije; uključeno životno osiguranje; bez naknade za puštanje kredita; primer 500.000 RSD na 71 mesec (EKS 14,91%, obračun na dan 27.10.2026.); ponuda za penzije do 100.000 RSD (10,85%) više nije objavljena.

    Terms on the bank's site ↗
All banks ranked: Cash loans →

Mortgage loans

  • No. 4 of 5 banks by lowest APR, in euros, variable rate (EURIBOR). Lowest APR: Banca Intesa, 3.45%, Stambeni kredit za mlade (subvencija države).

  1. Stambeni kredit sa fiksnom kamatom prvih 5 godina

    EKS
    5.58%

    Example: 85,000 EUR over 300 months, about 487 EUR per month

    Nominal rate
    4.8% (3M EURIBOR + 2.7%)
    Amount
    from 35,000 EUR
    Repayment term
    to 360 months
    Interest
    variable

    Fiksna 4,80-4,85% prvih 5 godina, zatim 3M EURIBOR + 2,70%; uz prenos zarade i najmanje 6 meseci kod istog poslodavca; učešće 20% (10% uz hipoteku na drugi objekat); primer: kupovina 43.750 EUR uz učešće 8.750 EUR (kredit 35.000 EUR).

    Terms on the bank's site ↗
All banks ranked: Mortgage loans →

Car loans

  1. Auto kredit u auto salonu

    NKS
    5.88%

    Example: 10,000 EUR over 84 months, about 146 EUR per month

    Nominal rate
    5.88%
    Amount
    from 500 to 15,000 EUR
    Repayment term
    from 13 to 84 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.

    Indeksiran u evrima; naknada za obradu 2,95%; preko 15.000 EUR uz kasko; EKS nije objavljen na stranici.

    Terms on the bank's site ↗
All banks ranked: Car loans →

Loan refinancing

  • No. 4 of 4 banks by lowest APR, in dinars, fixed rate. Lowest APR: NLB Banka, 8.14%, Kredit za refinansiranje.

  1. Dinarski keš kredit za refinansiranje (preko 1.200.000 RSD)

    EKS
    9.01%

    Example: 1,300,000 RSD over 60 months, about 26,766 RSD per month

    Nominal rate
    8.65%
    Amount
    from 1,200,001 to 5,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Promo 02.11-30.11.2026. uz prenos primanja u banku, za iznose od 1.200.000 do 5.000.000 RSD; bez naknade za puštanje kredita; primer 1.600.000 RSD na 60 meseci EKS 9,01%.

    Terms on the bank's site ↗

  2. Dinarski keš kredit za refinansiranje

    EKS
    9.14%

    Example: 500,000 RSD over 60 months, about 10,319 RSD per month

    Nominal rate
    8.75%
    Amount
    from 150,000 to 1,200,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Promo 02.11-30.11.2026. uz prenos primanja u banku, za iznose do 1.200.000 RSD; bez naknade za puštanje kredita; primer 600.000 RSD na 60 meseci EKS 9,14%.

    Terms on the bank's site ↗

  3. Dinarski kredit za refinansiranje sa fiksnom kamatom

    EKS
    10.21%

    Example: 500,000 RSD over 60 months, about 10,562 RSD per month

    Nominal rate
    9.75%
    Amount
    from 150,000 to 4,000,000 RSD
    Repayment term
    from 13 to 71 months
    Interest
    fixed

    Redovna ponuda: fiksna 9,75% za rok 13-71 mesec (EKS od 10,20%); primer 1.600.000 RSD na 60 meseci EKS 10,21% (600.000 RSD: EKS 10,22%), obračun na dan 27.10.2026.; moguć dodatni keš; bez naknade za puštanje kredita.

    Terms on the bank's site ↗
All banks ranked: Loan refinancing →

Is OTP banka the best deal for you?

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Frequently asked questions about loans

What loans does OTP banka offer?

OTP banka currently offers: Cash loans (7 offers), Mortgage loans (1 offer), Car loans (1 offer), Loan refinancing (3 offers). We checked the data on 04/11/2026 on the official bank website.

OTP banka Cash loans: what is the interest rate?

The lowest published APR is 8.43% (mKeš online keš kredit (preko 1.200.000 RSD)), nominal rate 8.1%, in dinars, fixed rate. No. 9 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.

OTP banka Mortgage loans: what is the interest rate?

The lowest published APR is 5.58% (Stambeni kredit sa fiksnom kamatom prvih 5 godina), nominal rate 4.8%, in euros, variable rate (EURIBOR). No. 4 of 5 banks by lowest APR, in euros, variable rate (EURIBOR). Lowest APR: Banca Intesa, 3.45%, Stambeni kredit za mlade (subvencija države).

OTP banka Loan refinancing: what is the interest rate?

The lowest published APR is 9.01% (Dinarski keš kredit za refinansiranje (preko 1.200.000 RSD)), nominal rate 8.65%, in dinars, fixed rate. No. 4 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.

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