Addiko Bank Srbija

Name

Addiko Bank Srbija

Legal name

Addiko Bank a.d. Beograd

Website

https://addiko.rs

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI)

Keywords

• Retail banking services
• Consumer lending products
• Small business banking
• Digital banking platform
• Payment cards services

Headquarters

HQ city

Beograd

Offices33 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income on Loans: Primary revenue from interest earned on consumer cash loans (keš krediti), mortgage loans, and business loans. Interest rates vary by product: Dinarski keš kredit 2u1 (7.25%-10.95% NKS), Blic keš kredit (7.50%-12.95% NKS), em-Kredit (10.45% NKS), pensioner loans (7.25%-10.95% NKS).
2. Account Maintenance Fees: Monthly fees charged for account packages: Platinasti (930 RSD), Zlatni (600 RSD), Srebrni (500 RSD), Start (350 RSD), Bazični (200 RSD), Paket za penzionere (250 RSD), Platni račun sa osnovnim uslugama (150 RSD)
3. Card Transaction Fees and Commissions: Revenue from debit and credit card transactions, installment plan commissions (3/6/9/12 rates), and merchant commissions on POS transactions
4. Digital Banking Services: Fees for SMS notifications (12 RSD per SMS for alarm service), potential fees for certain transaction types, and forex exchange margins
5. Point-of-Sale Financing (Automatik Kredit): Commission revenue from partner retail locations when customers finance purchases through installment loans at POS

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

Addiko Bank Srbija is a universal commercial bank providing retail and small business banking products to individuals and companies in Serbia. Its core offerings include current and savings accounts, consumer and mortgage loans, business loans, debit and credit cards, and digital banking services via internet and mobile channels. The bank operates as the Serbian subsidiary of Austria-based Addiko Group, focusing on simplified, transparent consumer banking with rapid credit decisions.

Product overview

Addiko Bank Srbija operates as a retail and corporate banking institution offering a comprehensive suite of banking products organized in a platform-plus-module architecture. The retail segment provides account packages (Platinum, Gold, Silver, Start, Pensioner, and Basic packages) with tiered pricing and services, supplemented by specialized accounts for farmers (Račun za poljoprivrednike) and digital-only accounts (em-Račun). Loan products span cash loans (Keš kredit „2 u 1", Blic keš kredit, em-Kredit), consumer credit (Automatik kredit), and pensioner-specific offerings, with special programs for borrowers earning up to 100,000 RSD. Savings offerings include term deposits in RSD, EUR, and USD, premium savings with bonus interest, step-wise savings with quarterly rate increases, and mobile-accessible em-Štednja. Payment solutions encompass Addiko Mastercard credit cards, DinaCard debit, and international Debit Mastercard, while digital channels include Addiko Mobile (mobile banking with biometric login, QR payments, and IPS instant payments), Addiko EBank (internet banking), and SMS notifications. Insurance products include travel and accident coverage. The corporate (Privreda) segment offers business accounts, term deposits, business loans (quick business credit, long-term and short-term financing), documentary banking, international payments, FX services with risk management, business debit and credit cards, and dedicated business mobile and internet banking. The Addiko SME Akademija provides educational resources for small businesses. The bank's digital-first approach emphasizes mobile accessibility, with capabilities to open accounts, apply for loans, and manage savings entirely through the Addiko Mobile application.

Differentiator

Problem solved

Functional benefit

Brands

• Addiko Mobile: Mobile banking application for 24/7 access to banking services including credit applications, savings management, and payments
• Addiko EBank
• Addiko em-Kredit
• Addiko em-Štednja
• Addiko em-Račun
• Addiko SME Akademija
• Addiko Automatik kredit
• Addiko Business Mobile
• Addiko Business EBank

Products and services

• Current account for individuals (Tekući račun) Day-to-day transactional account for individuals, used for receiving salary, paying bills, and managing personal finances, with access to internet and mobile banking.
• Savings account for individuals (Štedni račun) Interest-bearing deposit account for individuals seeking to earn yield on personal savings, typically with tiered interest rates.
• Consumer loans (Potrošački krediti) Unsecured personal loans for individuals with transparent pricing, no processing fees, and documented fast credit decisions.
• Debit cards (Debitne kartice) Visa and Mastercard debit cards issued to retail customers for point-of-sale, ATM, and online payments, with integration into mobile banking.
• Credit cards (Kreditne kartice) Revolving credit cards for individuals, providing short-term financing for purchases with monthly repayment options.
• Business current account (Tekući račun za privredu) Transaction account for SMEs and entrepreneurs supporting daily business operations, supplier and payroll payments, and cash management.
• Business loans (Krediti za privredu) Working capital and investment loans for small and medium-sized businesses, including overdraft and term loan facilities.
• Business debit cards (Poslovne debitne kartice) Debit cards issued to businesses for operational expenses, travel, and supplier payments, with controls and reporting for finance teams.
• Internet banking (e-banking) Web-based banking platform enabling customers to view balances, make transfers, pay bills, and manage IPS QR payments from a browser.
• Mobile banking application (m-banking) Native mobile application for iOS and Android providing account access, biometric login, card management, IPS QR payments, and instant transfers.

Quantifiable outcome

• Fast credit decisions without long processing times
• +3 more outcomes

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• TehnomediacoreChannel Partner/ Reseller/ DistributorPoint-of-sale financing partner for Automatik Kredit. Tehnomedia is an electronics retail chain where customers can finance purchases through Addiko installment loans.
• GigatroncoreChannel Partner/ Reseller/ DistributorPoint-of-sale financing partner for Automatik Kredit. Gigatron electronics retail chain offers Addiko installment financing for electronics purchases.
• TehnomanijacoreChannel Partner/ Reseller/ DistributorPoint-of-sale financing partner for Automatik Kredit. Major electronics retailer offering Addiko installment loans for appliance and electronics purchases.
• WinWincoreChannel Partner/ Reseller/ DistributorConsumer electronics and appliances retail partner offering Addiko Automatik Kredit point-of-sale financing.
• MetalaccoreChannel Partner/ Reseller/ DistributorHouseware and kitchen appliances retail partner offering Addiko installment financing for purchases at Metalac stores.
• MastercardcoreTechnology or IntegrationCard network partnership for Debit Mastercard and Addiko Mastercard credit cards enabling domestic and international card payments and cash withdrawals.
• UNIQA OsiguranjecoreStrategic or Co-development PartnerInsurance partnership providing bundled insurance products with Platinum, Gold, and Silver account packages including travel insurance, card theft/loss protection, household assistance, and roadside assistance.
• Apple PaycoreTechnology or IntegrationDigital wallet integration enabling Addiko card holders to make contactless payments using Apple Pay on iOS devices.
• Google PaycoreTechnology or IntegrationDigital wallet integration enabling Addiko card holders to make contactless payments using Google Pay on Android devices.
• Narodna Banka Srbije (NBS)coreOthersCentral bank regulatory partnership. Addiko participates in mandatory deposit insurance system (insured deposits up to 50,000 EUR) and follows NBS regulations for credit reprogramming for farmers.
• e-Government Serbia (e-Građanin)minorStrategic or Co-development PartnerPartnership enabling customers to become e-citizens through Addiko bank, integrating government digital services with banking.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Banca Intesa Beograd: Largest bank in Serbia by assets, part of Italian Intesa Sanpaolo group. Offers the same retail/SME/commercial banking services as Addiko at much larger scale; the dominant incumbent Addiko competes against for salary accounts, deposits, and SME lending.
• UniCredit Bank Serbia: Major Italian-owned commercial bank in Serbia, part of UniCredit Group. Directly comparable retail/SME product suite and similar foreign-owned positioning, but with materially larger balance sheet and corporate banking franchise.
• Komercijalna banka Beograd: Largest domestically-owned Serbian bank with extensive branch network. Competes head-to-head with Addiko for retail deposits, consumer loans, and SME banking, and benefits from incumbency with state-linked corporates.
• Raiffeisen banka Srbija: Austrian-owned (Raiffeisen Bank International) commercial bank in Serbia. Offers comprehensive retail, SME, and corporate banking products directly comparable to Addiko, with broader geographic reach and larger corporate franchise.
• Erste Bank Serbia: Austrian-owned (Erste Group) commercial bank in Serbia with full retail/SME banking suite. Comparable product set, customer segments, and digital strategy, but with larger scale and stronger corporate banking book.

Direct peers

• OTP banka Srbija: Hungarian-owned commercial bank in Serbia, similar in scale and product mix to Addiko. Closely comparable retail consumer credit, SME, and digital banking offerings, making it a directly competitive peer in the mid-tier foreign-owned segment.
• ProCredit Bank Serbia: Mid-sized commercial bank in Serbia with explicit SME focus and educational programs for businesses (ProCredit Academy). Highly comparable to Addiko's SME Akademija-driven approach and similar mid-tier scale.
• AIK Banka: Serbian-owned mid-sized commercial bank with retail and SME focus. Comparable scale, customer segments, and product mix to Addiko; competes for the same salary/pension transfer customers and SME deposits.
• Halkbank Serbia: Turkish-owned commercial bank in Serbia with retail and SME banking. Similar foreign-owned mid-tier positioning, directly comparable consumer loan and deposit products, and similar reliance on salary/pension transfer strategy.

Others

• Addiko Bank Hrvatska: Sister subsidiary within Addiko Group operating in Croatia. Not a direct competitor, but offers the most directly comparable operating model, product suite, and digital-first strategy as a regional benchmark for Addiko Srbija's positioning and execution.

Market position

Weaknesses3 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/c/addikobanksrbija
• Facebookfacebook.com/addiko.rs
• LinkedInlinkedin.com/company/addiko-bank-srbija
• Instagraminstagram.com/addikobank_srbija

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Addiko Bank Srbija