25 February 2026
Open a Bank Account in Serbia
How to open a bank account in Serbia for a company or a natural person, whether it can be done from abroad and which bank services exist. Ask our team.
Bank accounts in Serbia serve for varied financial transactions, whether made in a company or by a natural person. The requirements for opening a bank account in Serbia might be complex for some persons, therefore, you can benefit from complete support in this matter if you talk to one of our company formation agents in Serbia. Our team can also tell you about the process of company formation in Serbia and related requirements.
| Quick Facts | |
|---|---|
| Who can open a bank account in Serbia? | Both residents and non-residents, whether natural persons or entities |
Formalities to open a bank account | – employment contract for natural persons, – company documents for legal persons |
Required documents | – Articles of Association and Certificate of Incorporation for companies, – copies of personal identification documents in case of natural persons |
| Types of bank accounts | – saving accounts, – checking accounts, – investment accounts, – retirement accounts |
| Debit or credit card issued with a bank account | Yes, depending on the financial purposes you have in Serbia. |
| Cash deposit to open a bank account | Some banks might impose a cash deposit for natural persons' accounts |
| Fees to open a bank account in Serbia | Depending on the bank |
| Banking services offered (YES/NO) | Yes |
| Possibility to open a bank account online (YES/NO) | Yes |
| Possibility to pay online the utility bills (YES/NO) | Yes |
| Overseas money transfers accepted (YES/NO) | Yes |
| Formalities for student bank account | Proof of courses or letter from the university in Serbia |
| Loans option available (YES/NO) | Yes |
| Offshore bank accounts | Yes, but subject to specific conditions |
| We provide support for opening a bank account in Serbia (YES/NO) | Yes |
How do I open a bank account for my company in Serbia in 2026?
First of all, it is important to know that opening a bank account in Serbia in 2026 is part of the registration and incorporation process of a company in Serbia. This is an important requirement that can be handled by one of our agents as soon as you decide on the financial institution you wish to work with. Here are some simple steps to consider for opening a bank account in Serbia:
- First of all, you should verify the bank institutions and their offers for businesses in Serbia.
- If you cannot travel to Serbia, you can appoint one of our consultants with a power of attorney to help you open a bank account.
- Copies of the company’s main documents are solicited by the bank.
- Specific forms provided by the bank need to be completed.
All banks and financial institutions in Serbia are overseen and regulated by the National Bank of Serbia, in respect to the Banking Law. Those wanting to open a corporate bank account in 2026 in Serbia should solicit assistance and guidance from our team of company formation representatives in Serbia.
Please check the following infographic with information on this topic:
A bank account for natural persons in Serbia
Foreign citizens in Serbia can easily open a bank account if they respect all the conditions imposed. First of all, foreigners in Serbia will have to provide information about their residency in this country, meaning that they must be registered with the local authorities. The bank will solicit personal information, such as nationality and source of funds (if deposits will be made), and will provide a specific form as part of a bank account application.
Being a foreign entrepreneur and having aresidence permit in Serbia can represent quite an advantage in front of local customers looking for confidence in the business field. The same thing is available in the banking sector, where loans can be easily accessed.
Information about the services provided will be presented at the time a person solicits a bank account in Serbia. There are no complex formalities for opening a bank account as a foreigner in Serbia, but if you would like to skip this process, you can address one of our specialists for support and guidance.
Can I open a bank account from abroad?
Yes, foreigners can open bank accounts in Serbia without having to travel to this country. It is a simple process that starts online, on the bank’s official website. Some cases require your signature, but if it cannot be provided online, some financial institutions might oblige you to sign the documents in person. Nevertheless, support in this matter can be offered by our company formation agents in Serbia, so don’t hesitate to get in touch with us. They can also help you set up a company in Serbia.
Bank services in Serbia in 2026
All financial institutions in Serbia offer complete internet banking services to ease most of the financial transactions, for both companies and natural persons. Verifying the funds and the transactions can be made online, with the help of the platforms and applications provided by the bank.
In the case of companies, specific banks in Serbia are involved in different financial programs to support young entrepreneurs and startups in this country. Withdrawal limits, financial advice, investment fund support, and asset management are among the bank products and services that can be offered. Foreign and local entrepreneurs can benefit from a wide range of banking services in 2026, tailored to their business needs. If you need guidance in this matter, do not hesitate to talk to us.
FAQ about bank accounts in Serbia
There are several questions that our specialists can answer before opening a bank account in Serbia. It is highly recommended to inform yourself first of all and to discover exactly the services you need in this regard. Here are some important questions:
Yes, there are quite a few financial institutions of this kind that offer clients transactions in several currencies. You should solicit information about the bank offers and the type of services provided to be able to open the desired account.
There is no fixed number of financial transactions imposed by banks in Serbia. Practically, it can be said that you can make any desired transactions, depending on the selected currency.
Yes, SWIFT (Society for Worldwide Interbank Financial Telecommunication) is the system that allows interbank transactions regardless of country. This system was invented in Belgium and implemented internationally, including in Serbia.
There are no banking restrictions regarding payments from offshore jurisdictions. The bank officer can provide you with more information in this regard.
Foreigners can easily open a bank account in Serbia without the need for prior authorization. The consent of any entity, natural person, or representative is not required in this endeavor.
Yes, the legislation is permissive, and foreigners or Serbian citizens who want to open a bank account in dollars can do so, as long as they request this service at the chosen banking unit.
Yes, all banks with branches in Serbia offer support in English. The online services offered can also be set in this language without too much difficulty.
Yes, anyone who wants to transfer money from a bank in Serbia to one abroad can do so easily. Transactions are subject to the SWIFT system.
Normally, the fee for bank account maintenance varies between 5 and 10 euros, but everything depends on the bank and particular policies. You should first look into bank fees before opening an account.
The company’s documents, namely the Certificate of Registration, as well as the recipient’s identification documents, are required for opening a corporate bank account in Serbia. Standard forms provided by banks with various information must also be completed.
Yes, in Serbia, the opening of a bank account is also allowed by minors, but starting at the age of 16. You can discuss more with our specialists to see clearly what the requirements are in this endeavor.
The banks’ online platforms offer multiple possibilities. You can access and check the money in the account, make various payments, send money, deposit certain amounts of money, and transfer abroad. If the platform allows, you can set money limits so as not to exceed a certain amount to spend per day.
Statistics about the banking sector in Serbia
Local and foreign entrepreneurs who want to develop their business in Serbia and want to know more about the banking sector of this country can discover the following information:
- Most of the 19–20 banks operating in Serbia are under foreign ownership.
- A new Regulatory Technical Standards (RTS) in Serbia was implemented starting from January 2026 for Open Banking, soliciting banks to provide third-party service providers with secured access to customers.
- The number of commercial bank branches in Serbia was reported at around 24 per 100,000 adults.
- The EUR/RSD exchange rate is estimated to remain stable due to high foreign exchange reserves of around EUR 30 billion.
- Banks in Serbia are well-capitalized, but capital management in 2026–2027 will concentrate mainly on risk-weighted assets (RWA) and dividend policies.
If you need help with opening a bank account in Serbia, feel free to contact us. Plus, our accountants in Serbia are at your disposal with information about the taxes you need to pay in this country. Company incorporation in Serbia can be a process entirely overseen by our team, including establishing bank accounts here.