We currently track 5 offers from Raiffeisen. 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. 5 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
- 7.89%
Example: 500,000 RSD over 60 months, about 10,019 RSD per month
- Nominal rate
- 7.5%
- Amount
- from 80,000 to 4,000,000 RSD
- Repayment term
- from 6 to 70 months
- Interest
- fixed
Za primanja do 100.000 RSD uz prenos zarade (rok tri meseca posle odobrenja); bez provizije za obradu; EKS 7,89% uz otvaranje računa, 7,57% za klijente koji već imaju račun; primer 1.000.000 RSD na 70 meseci (EKS na dan 04.09.2025).
Keš kredit
- EKS
- 8.35%
Example: 500,000 RSD over 60 months, about 10,114 RSD per month
- Nominal rate
- 7.9%
- Amount
- from 80,000 to 4,000,000 RSD
- Repayment term
- from 6 to 70 months
- Interest
- fixed
Za primanja preko 100.000 RSD uz prenos zarade; bez provizije za obradu; EKS 8,35% uz otvaranje računa, 8,03% za klijente koji već imaju račun; primer 1.000.000 RSD na 70 meseci (EKS na dan 09.09.2025).
Keš kredit za penzionere
- EKS
- 11.26%
Example: 500,000 RSD over 60 months, about 10,871 RSD per month
- Nominal rate
- 11%
- Amount
- from 80,000 to 2,000,000 RSD
- Repayment term
- from 12 to 70 months
- Interest
- fixed
Za penzije do 100.000 RSD; penzija ne mora da se prima u banci; banka plaća životno osiguranje; minimalna penzija 20.000 RSD; primer 1.000.000 RSD na 70 meseci, na dan 04.09.2025.
Keš kredit za penzionere (primanja preko 100.000 RSD)
- EKS
- 14.59%
Example: 500,000 RSD over 60 months, about 11,634 RSD per month
- Nominal rate
- 14%
- Amount
- from 80,000 to 2,000,000 RSD
- Repayment term
- from 12 to 70 months
- Interest
- fixed
Za penzije preko 100.000 RSD; penzija ne mora da se prima u banci; banka plaća životno osiguranje; primer 1.000.000 RSD na 70 meseci, na dan 09.09.2025.
Mortgage loans
- No. 3 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 fiksnom stopom prvih 5 godina
- EKS
- 5.45%
Example: 85,000 EUR over 300 months, about 492 EUR per month
- Nominal rate
- 4.9% (3M EURIBOR + 2.65%)
- Amount
- from 10,000 to 350,000 EUR
- Repayment term
- from 72 to 360 months
- Interest
- variable
Fiksna 4,90% prvih 60 meseci, zatim 3M EURIBOR + 2,65% (3M EURIBOR 2,589% na dan 05.10.2026); uz prijem zarade/penzije u banci; učešće 20%, za prvu nekretninu 10%; promenljiva od početka: 3M EURIBOR + 2,45%; primer 90.000 EUR na 360 meseci (EKS na dan 05.10.2026).
Is Raiffeisen the best deal for you?
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Frequently asked questions about loans
What loans does Raiffeisen offer?
Raiffeisen currently offers: Cash loans (4 offers), Mortgage loans (1 offer). We checked the data on 04/11/2026 on the official bank website.
Raiffeisen Cash loans: what is the interest rate?
The lowest published APR is 7.89% (Keš kredit (primanja do 100.000 RSD)), nominal rate 7.5%, in dinars, fixed rate. No. 5 of 14 banks by lowest APR, in dinars, fixed rate. Lowest APR: Poštanska štedionica, 7.22%, Dugoročni dinarski gotovinski kredit.
Raiffeisen Mortgage loans: what is the interest rate?
The lowest published APR is 5.45% (Stambeni kredit sa fiksnom stopom prvih 5 godina), nominal rate 4.9%, in euros, variable rate (EURIBOR). No. 3 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.