OTP Banka Srbija review

The payment account with basic services costs RSD 150 each month, and an external electronic order costs 6 RSD per external electronic order (m-bank and e-bank). The monthly figure sits above the €0 median across the site, so the fee matters most for anyone keeping a small balance there.

The savings product pays a fixed rate of 5% to 5.5% for 3 to 25, and the rate type is fixed, so the return is set when the term starts. Interest is paid at maturity rather than during the term, and an automatic rollover can be selected so the deposit renews itself at the end.

An early break is not one of the listed access terms for these deposits, and the interest is paid at maturity, so the money is committed for the whole 3 to 25. That makes the account a home for savings you will not touch, not for an emergency balance you may need on short notice.

The bank covers 13 currencies on its rate list. That sits above the 5 median for the multi-currency comparison, though well under the 360 reached by the widest providers there. Readers dealing in several currencies will find a workable range rather than a wide global list.

An external electronic order costs 6 RSD per external electronic order (m-bank and e-bank), applied to orders placed through m-bank and e-bank. That is the figure to watch for anyone moving money out of the account, since the fee is listed against external electronic orders rather than every kind of payment.

It is aimed at students and teens starting out, and at adults who want a fixed return on savings. The account kind is fixed and the rate type is fixed, so the return is set when the term starts. That suits planned saving over easy access to the balance.

Support runs on phone and email, so a phone line and email are the routes into the bank. That suits readers who prefer to talk to someone about a term or a fee rather than fill in a form, though a self-service help centre is not among the listed channels.

Payouts are available through bank and cash pickup, so the balance can move to a bank account or be collected in cash. A bank transfer is the usual route for most customers, while cash collection suits anyone who wants the money in hand rather than left in the account.