Opening a Bank Account in Serbia for Foreigners
How to open accounts at Banca Intesa, Raiffeisen, OTP and UniCredit
Opening a bank account in Serbia is necessary for receiving salary, paying rent, and daily transactions. Major banks like Banca Intesa, Raiffeisen, OTP, and UniCredit open accounts for foreign residents.
Non-residents can open accounts using their EBS number, while residents with JMBG enjoy the full range of banking services.
📋 Steps to Open an Account
- 1
Obtain JMBG or EBS
Get either your JMBG (residents) or EBS (non-residents) from the police.
- 2
Select a Bank
Choose Banca Intesa, Raiffeisen, OTP, or UniCredit based on fees and app quality.
- 3
Visit Bank Branch
Visit a branch during working hours with required documents.
- 4
Sign Account Agreement
Review and sign the customer agreement and choose RSD/EUR accounts.
- 5
Receive Debit Card
Order a Visa or Mastercard debit card for cashless payments.
- 6
Setup Mobile Banking
Install the bank's mobile app and set up 2FA authentication.
✅ Required Documents
- ▸Original passport
- ▸JMBG or EBS number
- ▸Proof of address (white card or utility bill)
- ▸Proof of income or funds source
⚠️ Common Mistakes
- ✕Visiting without proof of address
- ✕Not asking for a EUR sub-account
- ✕Using a foreign phone number for mobile banking
- ✕Expecting to open online without in-person verification
💶 Fees
Account opening is free. Monthly maintenance is 0–300 RSD depending on the bank and package.
📖 Vocabulary
- Рачун
- Bank Account
- Картица
- Bank Card
- Динар (RSD)
- Serbian Dinar
- Пренос / Трансфер
- Transfer
- Провизија
- Bank Commission
- Филијала
- Bank Branch
- Депозит
- Deposit
- Извод
- Account Statement
❓ FAQ
Can I open an account without JMBG?+
Yes, some banks accept EBS for non-resident accounts with limited services.
Are there accounts in EUR?+
Yes, all major banks offer RSD and EUR IBANs.
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