AikBank

What AikBank does

AikBank is the largest domestic private bank in Serbia and a licensed systemic financial institution, operating a multi-channel retail and commercial banking franchise anchored by 110+ branches and 500+ ATMs across 56 cities. Its go-to-market combines a dense physical distribution network with a digital-first layer — 100% online account opening in 15 minutes, plus mBanking and eBanking applications for ongoing account management — addressing both the Serbian retail population and business/legal-entity segments. Independent third-party rankings (PwC study, as of 31.12.2025) place it #1 in Serbia by citizens' time deposits at 1.36 billion EUR, and EBRD has named it the Most Active Partner Bank in Serbia for two consecutive years on the back of 100 million EUR of trade-facilitation throughput in 2025.

The product set is built around three retail account tiers (Aik Supreme, Aik Advance, Aik Start), a broad savings portfolio anchored by Non-stop Savings (5% EKS on RSD balances up to 1,200,000 RSD with salary receipt, 2.55% EKS on EUR) and multiple term-deposit variants, and a consumer credit line including a cash loan up to 200,000 RSD with one-hour approval and the Plata unapred advance-salary service (up to 200,000 RSD, 7 days early). Payments are routed through Mastercard Standard/Gold debit cards, DinaCard, the Super Kartica credit card with cashback at IDEA, Roda, and Mercator (1% / 0.5%), and Apple Pay/Google Pay wallets. Deposit balances are protected by Serbia's mandatory deposit insurance scheme up to 50,000 EUR per depositor.

Revenue mechanics span interest income on lending facilities, deposit-based banking (current, savings, term, foreign currency), transactional fee and commission income, and payment card interchange and fees. The bank serves two primary segments — retail individuals (primary) and business/SMB customers — through a horizontal segmentation approach. Differentiators emphasized in the source material include the #1 deposit ranking, the advance-salary and non-stop-savings innovations, full digital onboarding, and the breadth of the physical-plus-digital distribution footprint.

Name

AikBank

Legal name

AikBank

Website

https://aikbank.rs

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

AikBank is Serbia's largest domestic private bank, serving retail individuals and business customers through 110+ branches, 500+ ATMs across 56 cities, and mBanking/eBanking digital channels, with a tiered account suite, broad savings portfolio, cash loans, and EBRD-backed trade finance.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Card Issuing (52221)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Retail banking services
• Savings accounts
• Consumer lending
• Digital banking
• Payment cards

Headquarters

HQ city

Novi Beograd

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest earned on loans and credit products including cash loans up to 200,000 RSD, mortgage products, and other lending facilities.
2. Deposit-based Banking: Acceptance of customer deposits (current accounts, savings accounts) including time deposits, non-stop savings, and foreign currency accounts.
3. Fee and Commission Income: Fees for account maintenance, transactions, ATM withdrawals, SMS notifications, and other banking services as outlined in fee schedules.
4. Payment Card Services: Income from debit and credit card transactions, including Mastercard and DinaCard products with cashback programs.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

AikBank is a Serbian commercial bank that delivers retail and commercial banking products through physical branches, ATMs, and digital channels. Its core offerings are tiered current account packages (Aik Start, Aik Advance, Aik Supreme), an extensive savings portfolio (Non-stop Savings and multiple term deposit variants), personal cash loans, Mastercard/DinaCard debit cards and the Super Kartica credit card, safe deposit boxes, and 24/7 digital banking through its proprietary mBanking app and eBanking platform.

Product overview

AikBank is a Serbian bank offering a multi-tiered account package system (Aik Supreme, Aik Advance, Aik Start) as its core retail banking products, complemented by an extensive savings portfolio including Non-stop Savings (on-demand), various term deposits (Standard, Online, Gradual, Monthly Interest Payment, and Term-but-Available), cash loans, and the innovative Plata Unapred (advance salary) service. Digital banking is delivered via mBanking mobile app and eBanking web platform, with payment capabilities enhanced through Mastercard and DinaCard debit cards, Super Kartica credit card, and Google Pay/Apple Pay mobile wallet integrations. Additional services include safe deposit boxes.

Differentiator

Problem solved

Functional benefit

Brands

• Aik Supreme: Premium account package with mBanking transactions without fees, middle exchange rate for EUR purchases, and services including Salary in Advance and Non-stop Savings
• Aik Advance
• Aik Start
• Super Kartica
• mBanking
• eBanking

Products and services

• Aik Supreme (account package) Premium current account package offering unlimited fee-free mBanking transactions, mid-market EUR exchange rate, advance salary/pension service, Non-stop Savings, Mastercard Gold multicurrency debit card, and international travel insurance, targeted at retail customers seeking full-service daily banking.
• Aik Advance (account package) Mid-tier current account package with salary/pension up to 7 days early, Non-stop Savings at 5% EKS RSD, favorable EUR exchange rate, Mastercard Standard multicurrency debit card, DinaCard debit card, Google Pay/Apple Pay support, and Super Kartica cashback rewards, targeted at salary-receiving retail customers.
• Aik Start (account package) Entry-level current account package providing secure and simple access to essential banking services through electronic and mobile banking with affordable maintenance fees, targeted at retail customers seeking basic day-to-day banking.
• Non stop štednja (Non-stop Savings) On-demand savings account paying 5.00% EKS on RSD and 2.55% on EUR with 100% liquidity and monthly interest credit, opened 100% online via mBanking, for retail customers who want term-deposit-level yields with instant access.
• Oročena štednja (Term Deposits) Traditional fixed-term deposit available in RSD, EUR, USD, or CHF with flexible terms from 3 to 36 months and free EUR transfer from other banks, for retail and business savers seeking guaranteed returns.
• Online oročena štednja (Online Term Deposits) Fully digital fixed-term deposit opened through eBanking/mBanking in RSD or EUR, maximum 2,400,000 RSD (20,000 EUR) per deposit, with 3.00% RSD 3-month, 4.30% RSD 12-month, 2.50% EUR 6–12-month, and 3.50% EUR 25-month rate tiers, for digitally active retail savers.
• Oročena, a dostupna štednja (Term-but-Available Savings) Hybrid savings combining term-deposit security with partial on-demand access: up to 50% of funds can be withdrawn early without losing interest on the remainder, paying EKS 3.90% RSD or 2.04% EUR over a 12-month term, for savers who want yield plus partial flexibility.
• Postepena oročena štednja (Gradual Term Savings) Programmatic savings product with regular fixed monthly deposits that earns base interest plus a bonus rate, reaching up to EKS 3.75% on EUR (2.50% NKS + up to 2.50% bonus) and up to EKS 5.41% on RSD (3.75% NKS + up to 2.25% bonus), for disciplined retail savers building a corpus over time.
• Štednja sa mesečnom isplatom kamate (Monthly Interest Payment Savings) EUR term deposit with monthly interest payouts for income-oriented savers, minimum 5,000 EUR, 12/15/25/36-month terms, NKS 2.75% / EKS 2.36% on the 12-month option, with free inbound EUR transfers from other banks.
• Keš kredit (Cash Loan) Personal cash loan up to 200,000 RSD with a fixed interest rate and equal monthly installments, requiring no physical documentation, for retail customers needing fast consumer credit with a one-hour approval response.
• Plata unapred (Advance Salary) Salary-advance service allowing Aik Advance and Aik Supreme customers to access up to 200,000 RSD of their salary or pension up to 7 days before the official pay date, with no special fees, activated 100% online in the mBanking app and valid for 36 months after registration, for salary and pension recipients facing cash-flow timing gaps.
• mBanking Mobile Application Proprietary mobile banking application for iOS and Android that lets retail customers manage accounts, execute payments, activate services such as Non-stop Savings and Plata unapred, and access favorable EUR exchange rates, for digitally active retail and salary-receiving customers.
• eBanking Web Platform Web-based electronic banking platform for online account management, transactions, and digital service access via browser, for retail customers who prefer desktop banking or need higher-volume transaction workflows.
• Sefovi (Safe Deposit Boxes) Rental safe deposit boxes for storing valuables, documents, and precious items, available in Belgrade, Novi Sad, and Niš branches in multiple sizes with flexible 3/6/12-month rental terms and access restricted to the renter or authorized persons via ID and key, for retail customers needing secured physical custody.

Quantifiable outcome

• 1.36 billion EUR in citizens' time deposits - #1 ranking in Serbia
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• European Bank for Reconstruction and Development (EBRD)flagshipStrategic or Co-development Partner · 1 January 2025AikBank participates in EBRD's Trade Facilitation Programme (TFP), supporting international trade transactions. In 2025, the bank facilitated 100 million EUR through this program, making it the most active partner bank in Serbia for the second consecutive year.
• MastercardcoreTechnology or IntegrationPartnership for debit and credit card services including Mastercard Standard multivalutna debit card, Mastercard Gold debit card, and Super Kartica credit card with cashback rewards.
• DinaCardcoreTechnology or IntegrationPartnership for domestic debit card services in Serbia, available with Aik account packages for domestic payments.
• Apple Pay / Google PaycoreTechnology or IntegrationMobile wallet integration enabling contactless payments via Apple Pay and Google Pay with AikBank cards.
• Super KarticaminorGTM or Marketing PartnerCashback partnership providing 1% cashback at IDEA, Roda, and Mercator partner retail chains, and 0.5% for all other transactions.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Erste Bank Serbia: Serbian subsidiary of Austrian Erste Group. Competes with AikBank in retail banking, savings products, and digital/mobile banking across Serbia.
• ProCredit Bank Serbia: Development-oriented bank focused on SME and retail banking in Serbia. Direct competitor to AikBank in SME lending and digital banking solutions.
• Halkbank Serbia: Serbian subsidiary of Turkish Halkbank. Direct competitor in retail deposits, SME lending, and digital banking serving Serbian consumers and businesses.
• Komercijalna Banka Beograd: Major Serbian commercial bank with extensive retail and corporate presence. Direct competitor to AikBank in savings products, branch network, and SME lending.
• OTP Banka Srbija: Serbian subsidiary of Hungarian OTP Bank, a major regional player. Direct competitor to AikBank in retail banking, mortgages, and increasingly digital banking.
• Banca Intesa (Serbia): One of the largest banks in Serbia by assets, part of the Italian Intesa Sanpaolo group. Direct competitor to AikBank in retail deposits, lending, and digital banking across Serbia.
• UniCredit Bank Serbia: Subsidiary of Italian UniCredit Group, one of the top Serbian banks. Competes directly with AikBank in retail banking, mortgages, and corporate services.
• Addiko Bank Serbia: Regional banking group focused on consumer and SME banking in Southeast Europe. Competitor to AikBank in retail lending and digital banking.
• NLB Banka Beograd: Serbian subsidiary of Slovenia's NLB Group, one of the largest banking groups in the Western Balkans. Direct competitor in retail and corporate banking.
• Raiffeisen Bank Serbia: Part of Austrian Raiffeisen Bank International, one of the largest banks in Serbia. Direct competitor in retail deposits, consumer lending, and digital banking.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aikbank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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 AikBank