ProCredit Bank Srbija review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ProCredit Bank Srbija offers a plain debit card on mastercard with the account fee at RSD 0. It suits readers who want a bank card for everyday spending rather than a crypto balance sitting behind the card, and it keeps the running cost down to RSD 0.
Key facts
- Best for
- A mastercard bank card with the account fee at RSD 0.
- Monthly fee
- RSD 0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Official website
- procreditbank.rs
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- The account fee is RSD 0, so the card costs nothing to hold each month
- It is a debit card, so spending follows the account balance rather than a credit line
- It runs on mastercard, the network card terminals and cash machines abroad read
Cons
- Spending draws on a debit account, so any crypto has to be sold and the account funded before a card purchase goes through
- Acceptance rests on mastercard alone, so a reader spending outside Serbia has that network to rely on
Who it suits
- Readers who want a debit bank card and nothing more complicated
- Anyone whose standing costs matter, since the account fee is RSD 0
- Shoppers and travellers who want a mastercard card that terminals abroad already read
Who should look elsewhere
- Wise, for readers who want to hold and convert several currencies rather than spend a single balance
- Bitpanda, for readers who want crypto bought and held inside the same product, where the card account fee is also €0
- Monzo Flex, for readers who want card controls and notifications around an account fee of £0
How ProCredit Bank Srbija compares
Bitpanda lists €0 for the card, and it fits readers who want to buy, hold and convert crypto rather than use a bank balance.
Frequently asked questions
What does the account cost each month?+
The account fee is RSD 0, set in Serbian dinar. The card runs on mastercard, and the account is a plain debit setup, so the monthly figure is the main number to plan around.
Is it a debit card or a credit card?+
It is a debit card, so spending draws on money already in the account rather than a credit line. Card purchases therefore need funds in place first, and the RSD 0 account fee is the standing cost to weigh.
Which network does the card run on?+
The card runs on mastercard. Card terminals and cash machines abroad read that network, which matters for anyone spending outside Serbia. Acceptance rests on the network itself, so a debit card like this behaves like any other card in the market.
Can I keep the account open at no monthly cost?+
The account fee is RSD 0 and the card is a debit, so the account is a plain current account with a mastercard card attached rather than a paid tier. That makes it straightforward to hold alongside a multi-currency account elsewhere.
How does the fee compare with Wise and Bitpanda?+
Wise lists £0 and Bitpanda lists €0, so the monthly figure sits alongside their card products. The difference is what the account does with money: this one is a debit bank card, not a multi-currency or crypto holding account.
Is this a crypto card?+
Not in the usual sense. The card is a debit on mastercard and the account fee is RSD 0, so it spends bank balance like any other card. Readers who want to pay straight from a crypto balance should compare cards built for that instead.
Sources
- procreditbank.rs/stanovnistvo/kartice/mastercard-debitna-... checked September 26, 2026
Backs: Card type, Card network
“Mastercard debitna kartica - Beskontaktna debitna kartica za fizicka lica”
- procreditbank.rs/stanovnistvo/racuni/besplatan-racun checked September 26, 2026
Backs: Monthly fee
“Besplatan racun”
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.