Raiffeisen Banka A.d. Beograd

What Raiffeisen Banka A.d. Beograd does

Raiffeisen Banka A.d. Beograd is a Serbian universal bank and wholly-owned subsidiary of Raiffeisen Bank International, one of the largest banking groups in Central and Eastern Europe. Founded in 2001 as the first locally-incorporated bank in 100% foreign ownership in Serbia, the bank operates a universal banking platform across retail, SME, corporate, treasury, and investment banking through 102 branches, mobile and online banking, multipurpose ATMs, and a 24/7 contact center serving over one million customers with a workforce exceeding 2,250.

The bank's core product stack is anchored by a digital onboarding and servicing layer: iRačun (fully digital current account openable in 15 minutes via video identification and electronic signature), iKeš (fully online personal loan with 10x faster approval), the Moja mBanka mobile application, and Raiffeisen Online electronic banking. AI and automation feature in the REA NLP-based digital assistant deployed on Viber and Facebook Messenger, automated loan approval, video identification, and electronic signature workflows. Investment and pension capabilities are operated through affiliated entities Raiffeisen Invest (EUR 1B+ AUM) and Raiffeisen Future, with self-directed brokerage via mTrader covering Belgrade, European, and US exchanges. Tiered Može account packages, Premium Banking, and Private Banking with Visa Infinite cards address mass-market through HNW segments.

The business model combines net interest income from lending (personal loans, mortgages, SME and corporate credit) with recurring fee and commission income from account maintenance, cards, and payment transactions; subscription-style recurring revenue from investment fund and pension fund management fees; and transaction-based brokerage fees. Distribution is omnichannel via 102 branches, Moja mBanka mobile app, Raiffeisen Online, Apple Pay, Garmin Pay, and proprietary RaiPay. As part of RBI, the bank operates under group-level governance and technology standards while complying with Serbian regulation and GDPR-equivalent data protection requirements, and from May 2026 participates in the SEPA Credit Transfer scheme.

Name

Raiffeisen Banka A.d. Beograd

Legal name

Raiffeisen banka a.d. Beograd

Website

https://raiffeisenbank.rs

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Raiffeisen Banka A.d. Beograd is a Serbian universal bank and RBI subsidiary operating 102 branches and digital channels to serve retail, SME, corporate, and HNW customers with accounts, loans, cards, and investment products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Finance and Insurance (52)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Treasury & Risk Management Solutions (FX/MM, hedging, TMS integration) (FSABAIAE)

akta.pro secondary industries

Corporate Cash Management & Treasury Services (FSAMAOAA), Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF)

Keywords

• Retail banking services
• Corporate banking products
• Digital banking platform
• Investment fund management
• Personal loan products

Headquarters

HQ city

Belgrade

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending products including personal loans, mortgages, and business loans
2. Fee and Commission Income: Fees from account maintenance, payment transactions, card transactions, and banking services
3. Investment Fund Management: Revenue from managing Raiffeisen Invest funds with EUR 1 billion+ in assets under management
4. Pension Fund Management: Revenue from voluntary pension fund management through Raiffeisen Future
5. Leasing Services: Financial and operating leasing services through Raiffeisen Leasing and Raiffeisen Rent

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Raiffeisen banka a.d. Beograd is a universal bank operating three business units — Retail Banking, Corporate Banking, and Treasury and Investment Banking. Through 102 branches, digital channels, and a 24/7 contact center, the bank delivers current accounts, savings, personal loans, mortgages, credit cards, business lending, cash management, treasury and investment banking, private banking for high net worth clients, investment fund management (Raiffeisen Invest with EUR 1bn+ AUM), and voluntary pension fund management (Raiffeisen Future). Its digital-first products — iRačun (account in 15 minutes), iKeš (online loan with 10x faster approval), mTrader (in-app securities trading), and REA (24/7 AI digital assistant) — anchor customer acquisition and servicing across Serbian retail and corporate segments.

Product overview

Raiffeisen Banka A.d. Beograd offers a comprehensive digital banking ecosystem combining mobile (Moja mBanka), online (RaiffeisenOnLine), and branch banking. Key digital products include iRačun (digital account opened in 15 minutes), iKeš (fully online loan with 10x faster approval), mTrader (stock trading platform), and REA (AI-powered digital assistant). The bank provides multi-channel access through Apple Pay, Garmin Pay, and RaiPay payment integrations. Service tiers include Basic/Premium/Private Banking with specialized investment (Raiffeisen Invest) and pension (Raiffeisen Future) offerings, collectively managing over EUR 1 billion in assets.

Differentiator

Problem solved

Functional benefit

Brands

• iRačun: Digital current account available in 15 minutes, launched as part of digital transformation strategy.
• iKeš
• Moja mBanka
• RaiffeisenOnLine (ROL)
• REA
• mTrader
• Raiffeisen Premium
• Raiffeisen Private Banking
• Devizni iRačun
• Može
• RaiPay
• Raiffeisen Invest
• Raiffeisen Future

Products and services

• Moja mBanka Mobile banking application for retail customers that enables account access, no-commission payments, balance viewing, and money management on the go, available for Android and iOS devices.
• Raiffeisen Online (ROL) Web-based electronic banking platform providing online account management, payments, transfers, and financial services for retail and corporate customers from any computer or phone.
• iRačun (Digital Current Account) 100% online current account opened in 15 minutes via video identification and electronic signature without branch visits; over 250,000 accounts opened since launch.
• iKeš (Online Cash Loan) First fully online personal cash loan in Serbia with a 10-times faster approval process, minimal documentation, video call with a bank agent, and electronic signature.
• Devizni iRačun (Multi-Currency FX Account) Multi-currency foreign exchange account supporting 14 currencies (EUR, USD, CHF, GBP, AUD, RUB, SEK, CAD, DKK, JPY, NOK, CNY, HUF, PLN), available with zero opening and maintenance cost.
• mTrader Self-directed investment trading platform within the Moja mBanka app for buying and selling stocks and ETFs on the Belgrade Stock Exchange and global markets (NYSE, NASDAQ, and European exchanges).
• REA (AI Digital Assistant) AI-based digital assistant available 24/7 via Viber and Facebook Messenger that responds to customer inquiries about accounts, loans, cards, branches, and other banking topics within 5 seconds.
• RaiPay Proprietary contactless mobile payment service for phones and smartwatches that enables payments and money transfers anytime and anywhere.
• Private Banking Personalized private banking service with dedicated private bankers, investment advisory, and exclusive Visa Infinite cards for high net worth individuals in Serbia.
• Premium Banking Premium banking package offering a personal banker, video appointments, financial planning, and premium credit cards including Visa Gold and Visa Platinum for affluent retail customers.
• Može Current Account Packages Three-tier current account packages (Može START, Može EKSTRA, Može SVE) combining accounts, cards, insurance, overdraft, and digital banking services at different price points.
• Raiffeisen Invest Investment fund management company offering various investment fund products to retail and institutional clients, with over EUR 1 billion in assets under management.
• Raiffeisen Future Voluntary pension fund offering long-term retirement savings and financial security products distributed through the bank.

Quantifiable outcome

• 50% market share in total online account openings in Serbia
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core and supporting.

• Raiffeisen Bank InternationalcoreStrategic or Co-development Partner · 1 January 2001Parent company and part of one of the largest banking groups in Central and Eastern Europe. Provides strategic direction, technology standards, and operational frameworks. Raiffeisen Banka is the first local bank in 100% foreign ownership in Serbia since 2001.
• Uniqa životno osiguranjesupportingOthersLife insurance company providing insurance products mediated by Raiffeisen Bank
• Uniqa neživotno osiguranjesupportingOthersNon-life insurance company providing insurance products through the bank
• Generali osiguranje SrbijasupportingOthersInsurance company providing insurance products mediated by the bank
• Raiffeisen InvestcoreOthersInvestment fund management company managing EUR 1 billion+ in assets under management. Part of the Raiffeisen ecosystem offering investment products to bank customers.
• Raiffeisen FuturesupportingOthersVoluntary pension fund management company offering pension savings products
• Raiffeisen LeasingsupportingOthersFinancial and operating leasing services for business and retail customers
• Apple PaysupportingTechnology or IntegrationMobile payment integration enabling contactless payments via Apple devices
• Garmin PaysupportingTechnology or IntegrationMobile payment integration for Garmin smartwatches and fitness devices
• SEPA (Single Euro Payments Area)supportingTechnology or IntegrationSEPA Credit Transfer scheme enables standardized euro payments across SEPA area with lower fees and fast execution. Raiffeisen Bank joined SCT scheme from May 2026.
• Bogdan BogdanovićsupportingGTM or Marketing PartnerBest scorer in Serbian basketball history serves as brand ambassador with humanitarian activities and long-term collaboration with the bank

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookm.facebook.com/msg/RaiffeisenSrbija
• LinkedInlinkedin.com/company/raiffeisen-bank-serbia

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

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 Raiffeisen Banka A.d. Beograd