NLB Komercijalna Banka review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NLB Komercijalna Banka suits people paid in dinars who want a fixed savings rate and a bank account with local details. Its dinar savings run at 0.41% to 4.84% over terms of 1 to 36, and the online account carries no monthly fee.
Key facts
Savings
Money transfer
- Payout methods
- Bank, Cash-pickup↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Dinar savings pay 0.41% to 4.84% on a fixed rate of fixed
- No minimum deposit of RSD 0 opens the savings account
- The online account runs on a no monthly fee model
- Support covers email, phone and help centre
Cons
- The paid account with basic services costs RSD 150 a month
- The currency account covers 12 currencies, short of the multi-currency leaders
- Savings are held in dinars only and terms lock at 1 to 36
Who it suits
- Anyone paid in dinars who wants a fixed savings rate
- People opening their first account and keeping basic costs down
- Businesses and freelancers billing in Serbia
Who should look elsewhere
- PayPal Colombia, if you want to hold money in dollars with no monthly fee
- Skrill, if you want an e-money balance in euros with no monthly fee
- eToro, if you plan to trade rather than save on a fixed term
How NLB Komercijalna Banka compares
8.5 vs 8.7
8.5 vs 8.6
8.5 vs 8.0
8.5 vs 8.9A monthly fee of £0 fits readers who want a trading platform rather than a fixed savings term.
8.5 vs 9.1
8.5 vs 9.2
8.5 vs 8.7
8.5 vs 8.7
8.5 vs 8.7
8.5 vs 9.0A monthly fee of €0 makes it a cheaper place to hold euros than a paid bank account at RSD 150.
8.5 vs 8.7
8.5 vs 9.5
8.5 vs 9.4
8.5 vs 9.3
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.2
8.5 vs 9.1
8.5 vs 9.0
8.5 vs 9.0
8.5 vs 8.9
8.5 vs 8.9- 8.5 vs 8.9
8.5 vs 8.7
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.5
8.5 vs 8.4
8.5 vs 8.3
8.5 vs 8.2
8.5 vs 8.1- 8.5 vs 8.1
8.5 vs 8.0
8.5 vs 8.0
8.5 vs 8.0
8.5 vs 9.1
Where NLB Komercijalna Banka is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an account?+
The online account runs on a no monthly fee model, so you can keep it open without a charge. The paid account that bundles basic services costs RSD 150 a month, which is the figure to weigh if you want the wider service set.
What interest do I get on savings?+
The dinar savings account pays 0.41% to 4.84% and the rate is fixed, so the return is set when you open it. Terms run 1 to 36, letting you match the length to how long you can leave the money untouched.
Is there a minimum deposit for the savings account?+
The minimum deposit is RSD 0, so there is nothing to meet before you start. When the term ends, the deposit and the interest it earned move to your dinar account on their own.
What kind of account is this?+
It is a fixed account offered alongside the dinar savings product. The savings side is fixed and paid in dinars, with the whole balance and its interest returning to the dinar account at maturity.
How many currencies can the account hold?+
The currency account covers 12 currencies, which keeps day to day banking simple for people dealing in dinars. That is a shorter list than the widest multi-currency accounts on the market, so heavy currency traders may want to look further.
How do I get help?+
Support runs through email, phone and help centre, so you can reach the bank by phone or email during working hours, or browse the help centre on your own. There is no live chat listed among those channels.
How do I get money out?+
Payouts are listed as bank and cash pickup, so money can go to a bank account or be collected in cash. Deposits and interest from the savings term are paid to your dinar account automatically at maturity.
Who runs the bank?+
The legal entity is NLB Banka AD Beograd, based in Serbia, and the business was founded in 2022. It operates as a bank rather than an e-money provider, so the account is a bank account rather than a prepaid balance.
Sources
- nlbkb.rs/o-nama checked September 26, 2026
Backs: Headquarters, Legal entity
“NLB Banka AD Beograd, Bulevar Mihajla Pupina 165v, 11070 Beograd”
- nlbkb.rs/stanovnistvo/racuni/devizni-racun checked September 26, 2026
Backs: Currencies
“Devizni tekući račun - Jedan račun, 12 valuta: EUR, AUD, CAD, DKK, JPY, NOK, RUB, SEK, GBP, USD, CHF i CNY”
- nlbkb.rs/stanovnistvo/racuni/online-racun checked September 26, 2026
Backs: Pricing model, Support channels
“NLB Start paket 0, 00 RSD - Bez troškova održavanja”
- nlbkb.rs/stanovnistvo/racuni/platni-racun-sa-osnovnim-usl... checked September 26, 2026
Backs: Monthly fee
“Platni račun sa osnovnim uslugama - mesečno održavanje 150, 00 RSD”
- nlb.rs/en/about-us checked September 26, 2026
Backs: Founded
“Chief Executive Officer of NLB Banka since the legal merger of NLB and Komercijalna banka, that was completed in April 2022”
- nlb.rs/stanovnistvo/pomoc-i-alati/devizni-poslovi checked September 26, 2026
Backs: Payout methods
“Primljena sredstva mozete ostaviti na racunu, podici ili preneti na orocenu stednju (received funds can be left on the account, withdrawn or transferred to a term deposit)”
- nlb.rs/stanovnistvo/stednja-i-investicije/dinarska-stednja checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term
“Dinarska štednja: 6 meseci NKS 4,80% EKS 4,84%; 1 mesec NKS 0,40% EKS 0,41% (rates as of 01.08.2026)”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
NLB Komercijalna Banka
Dinar savers who want a fixed rate without tying up a minimum deposit.