Use the app to get everything done, in 3 steps:

1.

Apply for an RSD cash loan and submit the necessary documentation online* through the internet app or at Mobi Banka points of sale. Based on the provided personal and financial data, and data on employer, the attached documentation and Credit Bureau report data, the Bank will decide on loan approval and inform you about it by SMS and email.

After the agreement has been concluded, the loan will be disbursed and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

If you do not have a current account opened with us, you can submit a loan application, and we will open your account after the application has been approved.

After the agreement has been concluded, the loan will be disbursed and we will inform you about it by SMS and email.

*If the attached documents have not originally been issued in electronic form, you will also be required to provide the originals at the Bank's point of sale.

Full-time employees

• Monthly bank statements from the account to which you receive earnings for the last 3 months in PDF format, showing the last three salaries paid in. Typically, you receive the statements via email or can be downloaded through the Internet or mobile banking, or

• Employment and Employment Receipt issued in electronic form and signed with a digital certificate by the employer, or

• Electronic delivery certificate received from e Government portal. More information on how to obtain this certificate can be found here.
  

If the employer does not issue a certificate certified by a digital certificate, you can attach a certificate stamped and signed.

An example of correctly completed Certificate verified with the stamp and signature is presented below.

• PPDG5/PPDG2R – income tax return certificate for those with income exceeding a defined limit

Pensioners

RSD pension

• The monthly bank account statements from the bank where you have been receiving your pension for the past 3 months in PDF, showing the last three pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking, or
• Pension checks for the last three months, or
• Certificate on the amount of pension issued by the RS Pension and Disability Insurance Fund
• Electronic delivery certificate received from e Government portal. More information on how to obtain this certificate can be found here.
  

Foreign currency pension

• A copy of the decision issued by the competent pension fund – the document needs to be translated by a certified court interpreter (for foreign currency pensioners). The translation will not be required for foreign currency pensioners who receive their pension cheques from Croatia, Bosnia and Herzegovina or Montenegro
  
• The monthly bank account statements from the bank where you have been receiving your foreign currency pension for the past 6 months in PDF, showing the last six pensions paid in. You usually receive your statements by email or you can download them using internet or mobile banking
  

• Natural persons with residence in the Republic of Serbia (residents)
  
• Persons above the age of 18 with an ID card that is valid at the moment when they make their application
• Full-time employees and pensioners who receive their regular monthly income of at least 20,000 RSD. For part time employees repayment period is determined so that the last installment must be paid at least 2 months before the end of the part-time contract. 
• Persons employed with companies that have active status
• Persons who have been employed with their current employer for at least 3 months
  

The client pays the loan off in the equal monthly annuities at the end of every month, following the repayment plan.

The first annuity arrives on the last day of the following month. Annuity payment is made on the last day of month from the users current account.

Early loan repayment

• The loan user has the right to pay the loan off, wholly or partially, even before the finishing date predefined in the agreement, through the inter transfer from user’s current account to its loan party. The minimum payment amount must be greater than the amount of three annuities.
• In the case of the early partial repayment, the amount of the monthly annuities will proportionally reduce following the remaining amount of the total debt. 

Representative example of using a dinar cash:

Note: The stated effective interest rate applies as of the date the loan repayment schedule was created. The representative example was prepared on January 31, 2024.