Updated September 28, 2026 · VaultCue Editorial Team
OTP Banka Srbija vs Plazo ES
Plazo ES
Higher score in this comparison
OTP Banka Srbija
What sets them apart
| Compare | OTP Banka SrbijaReviewSee alternativesSee alternatives | Plazo ESReviewVisitVisit |
|---|---|---|
| Monthly fee | RSD 150 | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | 13 | Not confirmed |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €0 |
| Transfer fee | 6 RSD per external electronic order (m-bank and e-bank) | Not confirmed |
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Key differences
- Support channels: only Plazo ES offers Chat, Help centre.
- Audience: only OTP Banka Srbija offers Student, Teen.
- Audience: only Plazo ES offers Freelancer.
- Pricing model: only Plazo ES offers No monthly fee.
Our verdict on each
OTP Banka Srbija
OTP Banka Srbija suits savers in Serbia who want a fixed rate on their money and can leave it untouched until maturity. The everyday account costs RSD 150 a month while the fixed savings rate pays 5% to 5.5%, and support runs on phone and email only.
Plazo ES
Plazo ES suits freelancers in Spain who want a savings balance and a revolving credit line in the same app, with deposits protected under EU DGS up to EUR 100,000. Running the account is straightforward, the balance is easy to reach, and the credit line is controlled from the app.
Score breakdown
| Area | OTP Banka Srbija | Plazo ES |
|---|---|---|
| Cost | Not confirmed | 9.1A monthly fee of €0 keeps running costs at nothing, matching the €0 site median for monthly fees. |
| Offer | Not confirmed | 9.9A headline rate of 24.19% against a 3% site median, plus a revolving credit line in the app. |
| Trust | Not confirmed | 8.0 |
Every fact side by side
| Fact | OTP Banka Srbija | Plazo ES |
|---|---|---|
| Audience | Student, Teen | Freelancer |
| Pricing model | Fixed rate | No monthly fee, Fixed rateCovers more |
| Legal entity | OTP banka Srbija a.d. | IDFINANCE PLAZO, S.L.U. |
| Headquarters | Serbia | Spain |
| Founded | Not confirmed | 2021 |
| Support channels | Phone, Email | Email, Chat, Phone, Help centreCovers more |
Savings
| Fact | OTP Banka Srbija | Plazo ES |
|---|---|---|
| Headline rate | 5% to 5.5% | 24.19%Higher |
| Rate type | Fixed | Fixed |
| Term | 3 to 25 months | Not confirmed |
| Access terms | 3, 6, 9, 12 or 25 month terms; interest paid at maturity; optional automatic rollover; early break earns no interest | Revolving credit line up to 5,000 EUR, active 24/7 and controlled from the Plazo app; granted limits run from 300 EUR to 5,000 EUR |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | OTP Banka Srbija | Plazo ES |
|---|---|---|
| Payout methods | Bank, Cash pickup | Not confirmed |
| Fee to send 1,000 | RSD 6 | Not confirmed |
Where each stands against the rest
| Fact | OTP Banka Srbija | Plazo ES | Median |
|---|---|---|---|
| Currencies | 13above the median | Not confirmed | 5 |
| Free ATM withdrawals | Not confirmed | €0below the median | €1 |
Median across 536 listed accounts.
Pros and cons
OTP Banka Srbija
Pros
- Fixed rate of 5% to 5.5% over terms of 3 to 25, with interest paid at maturity
- Everyday account at RSD 150 a month, and external electronic orders at 6 RSD per external electronic order (m-bank and e-bank)
- Covers 13 currencies, above the 5 median on the multi-currency list
Cons
- The RSD 150 monthly account fee sits above the €0 site median, and each external electronic order adds 6 RSD per external electronic order (m-bank and e-bank)
- Support runs on phone and email, and a live chat or self-service help centre is not among those channels
- Each fixed term of 3 to 25 pays interest at maturity, and an early break is not one of the listed access terms
Plazo ES
Pros
- Deposits are protected under EU DGS up to EUR 100,000, so the balance sits inside a named guarantee scheme rather than resting on the firm alone.
- The savings account and a revolving credit line sit together in the Plazo app, with local iban details for euro payments.
- Support covers email, chat and phone, so phone and chat sit alongside email and a help centre.
Cons
- Fixed pricing is the exception here: only 21% of the accounts on the site pay a fixed rate.
- The account is built for freelancer, so a salaried saver after a plain deposit product gets a narrower fit.
- Cover stops at EU DGS up to EUR 100,000, so a very large single balance is not protected.
Who each suits
OTP Banka Srbija
Who it suits
- Adults in Serbia with a lump sum to leave in place for 3 to 25 while the fixed rate runs
- Students and teens opening a first account with debit cards, the audience the brand serves
- Anyone wanting 13 currencies with payouts to a bank account or in cash
Who should look elsewhere
- Readers who need to reach their money at short notice, since an early break is not among the listed access terms
- PayPal Colombia or Skrill users who pay $0 and €0 a month and want no account charge
- eToro users who pay £0 a month and would rather hold cash than commit to a 3 to 25 savings term
Plazo ES
Who it suits
- Freelancers in Spain who invoice in euros and want the savings balance and the credit line in one app.
- Savers who want a fixed rate on an easy access balance with local iban payments.
- Anyone who values phone and chat help, since support runs on email, chat and phone.
Who should look elsewhere
- Not for salaried savers after a plain easy access account, because Plazo ES is built around freelancer and a credit line.
- AXI Card Tarjeta y Credito, for anyone who wants a card product priced at a headline rate of 21.59%.
- XTB, for trading balances at a headline rate of 4% rather than euro savings with a revolving line.
Current offers
Plazo ES
Current offer
Bonus
Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands (3% in supermarkets and up to 10% in more than 170 brands)
Only by paying with the Plazo card; subject to meeting the eligibility conditions and validity of the offers; you choose your favourite brand in the app
Source, checked September 26, 2026
Country by country
| Country | OTP Banka Srbija | Plazo ES |
|---|---|---|
| Serbia | Yes | No |
| Spain | No | Yes |
Questions about each
OTP Banka Srbija
How much does the everyday account cost each month?+
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.
What rate do I get on the fixed savings?+
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.
Plazo ES
What does the account cost to run?+
Plazo ES charges a monthly fee of €0 on the savings account, so there is no recurring charge to budget for each month. The model is listed as no monthly fee and fixed rate, pairing no monthly fee with a fixed rate on the balance. Fees are the simple part of this product.
What rate do I earn on the balance?+
The headline rate is 24.19% and the rate type is fixed, so the return is set rather than tracking the market. That rate is well above the 3% median headline rate across the accounts on the site. Fixed rate products make up a small share, 21%, of those listings.
Other options to compare
Other matchups
Related by the facts
Plazo ES
OTP Banka Srbija