Banka Poštanska štedionica: an account at the state bank with branches nationwide

What sets this bank apart

Banka Poštanska štedionica is a state bank, and its main advantage is its network: branches sit inside post offices, so there are more of them than at any other bank in Serbia. For someone living not in Belgrade but in a smaller town or a suburb, that often matters more than the tariff — the branch can be reached on foot.

What servicing costs

According to participants in Russian-language chats, servicing a non-resident foreign currency account costs about 0.5 euro a month, and it is charged only if there was movement on the account: with no transactions, no fee is taken. Russian-language reference guides also cite other figures — around 50 dinars a month for keeping the account and about 3,800 dinars for a card with annual servicing — but we have not yet confirmed these against the bank's official tariff. So before opening an account, ask for the tariff at the branch and read it yourself: the bank is state-owned and its tariffs are updated regularly.

What is needed to open an account

The standard set: a passport and confirmation of address, that is the 'white card'. According to reports, branches scan the documents on site and hand the originals straight back, so hunting for a copy shop in advance is not necessary, though copies never hurt.

Pluses and minuses according to reports

On the plus side: accounts are opened for non-residents, including those without a job in Serbia, and it happens faster than at API bank, where appointments run months ahead. The bank also opens both personal and business accounts. On the minus side, the community mentions queues at branches and the fact that connecting mobile banking is harder than at commercial banks.

What to do step by step

Choose a branch near home and check whether it handles non-resident accounts. Take your passport, the white card and copies of documents. At the branch ask for the current tariff and clarify three things: the monthly account fee, whether there is a charge when there is no movement, and what the card costs with annual servicing. If you plan to receive transfers from abroad, ask right away about a foreign currency account and incoming payment fees.

Data checked on 11 October 2026: practical observations come from community reports; figures not confirmed by the official tariff are marked separately in the text.