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Raiffeisen Bank Serbia review

Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Raiffeisen Bank Serbia is a straightforward bank card for adults living in Serbia who want a plain everyday card with no monthly charge. The account fee is RSD 0 on the online account, and the visa network means the card works wherever that network is accepted.

Key facts

Best for
A debit card for daily spending in Serbia with a RSD 0 account fee.
Monthly fee
RSD 0↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Raiffeisen banka a.d. Beograd↗
Headquarters
Serbia↗
Founded
2001↗
Support channels
Email, Chat, Phone, Help-centre↗
Official website
raiffeisenbank.rs

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The online account fee is RSD 0, so keeping the account open costs nothing.
  • It is a debit card, so spending comes straight from the bank balance and stops when the balance is low.
  • Help runs on email, chat and phone, so you can use a help centre, chat, phone or email.
  • The card runs on visa, the network behind 57.6% of the cards on the site.

Cons

  • Spending is capped by the balance in the account, so the debit card cannot be used past it.
  • The bank sits in RS and is a single market provider, so the card is built for local spending rather than money moving between countries.
  • The quoted RSD 0 fee is the account fee alone, so conversion and cash withdrawal charges are worth checking separately.
Raiffeisen Bank Serbia

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Scored 9.4 / 10 by HodlCue.

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Who it suits

  • Anyone in Serbia who wants a plain bank card for everyday spending at a RSD 0 account fee.
  • People who prefer a debit card that links straight to their current account balance.
  • Customers who like a choice of contact routes, with help on email, chat and phone.

Who should look elsewhere

  • Wise, if you mostly move money between currencies and care more about the exchange rate than the card fee.
  • Monzo Flex, if you want a UK card with a plan fee of £0.
  • Bitpanda, if you want a card tied to crypto buying rather than a standard bank account.

Who runs it

Raiffeisen Bank Serbia operates as Raiffeisen banka a.d. Beograd, with its headquarters in Serbia. The bank has been running since 2001, so it is an established local institution rather than a new entrant to the card market. Anyone holding the card has help on email, chat and phone, covering the routes most people reach for first, from a phone call to written support.

How Raiffeisen Bank Serbia compares

Where Raiffeisen Bank Serbia is available

Available
Serbia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the account cost each month?+

The online account carries a monthly fee of RSD 0, so holding it costs nothing. The typical monthly fee across the cards on the site is €0, which puts a fee-free account at the common end of the range rather than an exception.

Is this a debit or credit card?+

It is a debit card, so each purchase draws on the money in your bank account rather than on credit you repay later. That suits people who want spending to stop when the balance stops. Debit cards are the most common type on the site, at 73.4% of the cards listed.

Which payment network does the card use?+

The card runs on visa, the same network behind 57.6% of the cards on the site. In practice that means it is accepted wherever that network is accepted, at home and abroad, while the spending itself still comes from your account balance.

How do I get help if something goes wrong?+

Support runs on email, chat and phone, so you can pick the route that fits the problem. A quick question can go through the help centre or live chat, while anything touching your account is better placed to a phone call or email, in whichever language you prefer to use.

How does the fee compare with the other cards here?+

The online account fee is RSD 0, the same headline as Monzo Flex at £0, Wise at £0 and Bitpanda at €0. On account fees alone the four sit level, so what each card is built to do decides it.

Who does this account suit?+

It suits adults in Serbia who want a plain debit card for everyday spending and do not want an account fee. It also fits anyone who values a help centre and phone support, given email, chat and phone. People who mainly move money between currencies will find a transfer service more useful.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Raiffeisen Bank Serbia

Raiffeisen Bank Serbia

A debit card for daily spending in Serbia with a RSD 0 account fee.

9.4/10See alternatives