According to data from the National Bank of Serbia (NBS), several banks in Serbia offer more favorable interest rates on overdrafts for individuals. ProCredit Bank A.D. Belgrade has the lowest rates, with 9.38% for authorized and 9.50% for unauthorized overdrafts—significantly below market average.
Mirabank A.D. Belgrade follows with a 12.40% rate on authorized overdrafts, while Srpska Banka offers 13.80% (authorized) and 12.40% (unauthorized). Other notable banks include Banka Poštanska Štedionica, Banca Intesa and Raiffeisen Bank, with rates ranging between 13% and nearly 20%.
The NBS publishes these figures to promote transparency and encourage consumers to compare offers and choose the most suitable banking products. This initiative supports healthy market competition and aims to lower the cost of banking services.
