AikBank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AikBank is a Serbian bank whose debit card comes with a monthly fee of RSD 0 plus multi-currency and travel features. It suits everyday spending inside Serbia, where the local network is the network you want, rather than card use spread across many countries.
Key facts
- Best for
- A monthly fee of RSD 0 on a debit card with multi currency and travel features for everyday local spending.
- Monthly fee
- RSD 0↗
- Card type
- Debit↗
- Card network
- Local↗
- Legal entity
- AIK Banka a.d. Beograd↗
- Headquarters
- Serbia↗
- Founded
- 1976↗
- Features
- Multi-currency, Travel
- Official website
- aikbanka.rs
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Elsewhere
- instagram.com
Pros and cons
Pros
- The monthly fee is RSD 0, so holding the card adds no recurring cost to the account you already keep with the bank.
- Multi-currency and travel both sit among the multi currency and travel features, which helps when you pay in a currency other than the one you bank in.
- It is a debit card, so spending draws on the balance you already hold at the bank rather than a separate pot of money.
- The bank behind it is AIK Banka a.d. Beograd, based in Serbia and dated back to 1976.
Cons
- The card runs on a local network, so it is set up for domestic use rather than broad international acceptance.
- A monthly fee of RSD 0 sits alongside Monzo Flex at £0, Wise at £0 and Bitpanda at €0, so AikBank competes on its multi currency and travel features rather than on cost.
Who it suits
- You want a debit card with a monthly fee of RSD 0 for everyday spending in Serbia.
- You travel and would rather have multi currency and travel features built into the card than buy a separate travel product.
- You keep your money at a bank founded in 1976 and want the card to sit on that same account.
Who should look elsewhere
- Wise may suit you better if you want a multi-currency account alongside the card, with a monthly fee of £0.
- Monzo Flex may suit you better if you want a card priced from a different home market, with a monthly fee of £0.
- Bitpanda may suit you better if you are weighing a free monthly fee in another currency, €0, against AikBank's RSD 0.
Who runs it
AikBank is operated by AIK Banka a.d. Beograd, which is based in Serbia. The bank dates back to 1976, so it is a long established institution in its home market rather than a new digital name. That history is worth weighing when you set a card from a long standing local bank against newer arrivals on the same shelf.
How AikBank compares
Bitpanda lists a monthly fee of €0, so it is another free monthly fee option to weigh beside AikBank's RSD 0 when you compare cards head to head.
Where AikBank is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the AikBank card cost each month?+
The monthly fee is RSD 0. That is the recurring cost of holding the card, and the card is a debit with multi currency and travel features on top of it. For comparison, Monzo Flex charges £0 a month, Wise charges £0 and Bitpanda charges €0.
What kind of card does AikBank issue?+
AikBank issues a debit card, the standard bank card format that works with the account you hold. The features listed for it are multi currency and travel features, and the card runs on a local network, so acceptance follows that network.
Does the card work for travel and other currencies?+
Multi-currency and travel both sit among the multi currency and travel features of the card. That is the part that matters if you pay in a currency other than the one you bank in, and it is the main reason to weigh AikBank against cards aimed only at local spending.
Which network does the card run on?+
The card runs on a local network. Network choice shapes where a card is accepted and how useful it is outside your home market, so a local network suits readers who mostly spend in Serbia and asks more of anyone paying abroad.
Who is behind the card?+
The card comes from AIK Banka a.d. Beograd, a bank based in Serbia that has existed since 1976. That established legal entity is the party you deal with when you open the account and take the card, and it is worth reading its terms before you sign up.
Who is this card for?+
It suits people who want a debit card with a monthly fee of RSD 0 for everyday spending in Serbia, and who value multi currency and travel features for paying away from home. Readers who want a card accepted far and wide should compare the other options on this page first.
How does AikBank compare with the other free cards?+
On monthly cost the four line up: AikBank at RSD 0, Monzo Flex at £0, Wise at £0 and Bitpanda at €0. The difference then sits in network and features, since AikBank runs a local network and carries multi currency and travel features.
Sources
- en.wikipedia.org/wiki/AikBank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“initially established in Niš in 1976”
- aikbank.rs/en/retail-clients/debit-cards checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“Debit cards”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
AikBank
A monthly fee of RSD 0 on a debit card with multi currency and travel features for everyday local spending.