Methodology
Every ranking on this site follows predefined public rules described on this page. No bank can pay for a position, and every data point carries its source and check date.
Loans
We take rates from banks' official websites (representative examples) and rank them by the annual percentage rate (APR/EKS), because besides interest it includes fees and costs. The monthly installment is an annuity from the nominal rate for the entered amount and term, and the total amount is calculated from the APR. We only show offers that cover the requested amount and term, apply to the selected income (up to or over 100,000 RSD) and to your age, including the age limit on the date of the last installment. Banks we have no data for are listed below the ranking.
Comparing accounts and banks
We compare banks only on real, verifiable data, and next to every score we show the figure behind it: the fee of the cheapest account your profile can open (0 RSD is best, 300 RSD or more is weakest), the lowest APR of a cash loan (7% best, 14% weakest), the number of branches and ATMs in your municipality and across Serbia, the app rating on Google Play from 1 to 5 stars together with the number of ratings (a bank without an app gets zero), the bank's total assets, confirmed digital services and Visa/Mastercard cards. The order of your priorities matters: the first one weighs the most and each next one less (with three priorities 44%, 33% and 22%, with five 30%, 25%, 20%, 15% and 10%). So 80 means the bank meets 80% of what matters to you, in exactly the order you chose. Data a bank does not publish counts as the weakest confirmed figure among banks and is marked, so no bank gains an advantage by keeping something quiet. The ranking does not depend on any cooperation with banks.
Promotions
We automatically monitor the banks' official promotion pages and record every content change. The "New" badge is shown only for promotions that appeared after our initial snapshot of that bank's page. If we have no data for a bank, we say exactly that — not that the bank has no promotions.
Branches and ATMs
We collect branch and ATM addresses from the banks' official websites and enrich coordinates using public geocoding services. Locations change, so it is best to check opening hours on the bank's website before visiting.
Limitations
Data is refreshed automatically, but a bank may change its terms before our next check — that is why every entry carries a date. The site is informational and not financial advice: the final offer is always made by the bank after assessing your creditworthiness.