AikBank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AikBank suits customers in RS who want a plain debit card with no monthly charge and a card listed for travel. The monthly fee is RSD 0, and the local network keeps this an everyday spending card rather than one for money moving across borders.
Key facts
- Best for
- A debit card at a RSD 0 monthly fee for everyday spending in Serbia.
- Monthly fee
- RSD 0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Local (Source, checked September 26, 2026)
- Legal entity
- AIK Banka a.d. Beograd (Source, checked September 26, 2026)
- Headquarters
- Serbia (Source, checked September 26, 2026)
- Founded
- 1976 (Source, checked September 26, 2026)
- Features
- Multi-currency, Travel
- Official website
- aikbanka.rs
Credit cards
Apps and profiles
- Elsewhere
- instagram.com
Pros and cons
Pros
- Monthly fee of RSD 0 for the debit card.
- Features cover multi currency and travel, so the card suits trips abroad and multi-currency spending.
- Backed by AIK Banka a.d. Beograd, a bank based in Serbia and trading since 1976.
- The monthly charge of RSD 0 sits level with Wise at £0 and the Varo Believe Secured Credit Card at $0.
Cons
- A local network narrows where the card is useful, so it is not the pick for spending across many countries.
- The card is a debit product from AIK Banka a.d. Beograd, so no credit line or credit history sits behind it.
Who it suits
- Customers in RS who want a debit card at RSD 0 a month.
- People who pay in more than one currency, since the card is listed for multi currency and travel.
- Anyone comfortable banking with a long-established domestic bank founded in 1976.
Who should look elsewhere
- Travellers who need acceptance on wide international networks: Wise at £0 a month is the multi-currency choice here, while AikBank runs on local.
- Borrowers: the Varo Believe Secured Credit Card at $0 a month and the Chime Card (Secured Visa Credit Card) at $0 are credit products rather than a debit card.
How AikBank compares
Where AikBank is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does an AikBank debit card cost a month?+
The listed monthly fee for the card is RSD 0, so there is no standing charge to hold the account. That puts AikBank level with the cards it is compared against here: Wise charges £0 a month and the Varo Believe Secured Credit Card charges $0.
Is the AikBank card a debit, prepaid or credit card?+
It is a debit card, so spending draws on the money held in the account rather than a credit line. That makes it a different product from the Chime Card (Secured Visa Credit Card) or the Varo Believe Secured Credit Card, which are credit products.
Which network does the AikBank card run on?+
The card runs on a local network, which points to everyday spending in the home market rather than broad acceptance abroad. Cards on a local network account for 2.7% of the listings on DebitCue, so this one sits well outside the mainstream choice.
Can I use the card abroad and in more than one currency?+
The card's listed features cover multi currency and travel, so it is aimed at travel spending and holding more than one currency. That matches the wider market, where 51.4% of the cards compared are marked for travel and 34.9% for multi-currency use.
Who is behind the card?+
The card comes from AIK Banka a.d. Beograd, a bank based in Serbia that has been trading since 1976. That is a conventional retail banking relationship rather than an app-first fintech account, which may suit people who want a named bank behind their card.
Will an AikBank card help me build a credit history?+
Not on its own. The card is a debit product, so it pays from the balance in your account rather than lending. Applicants focused on building a credit record would be better served by a credit product such as the Varo Believe Secured Credit Card, at $0 a month.
Is a fee free account common among the cards compared?+
Most of the debit cards listed carry no monthly charge at all. The median card on DebitCue comes at €0 a month, the upper quartile at €0, and only the priciest reach €99.
Sources
- en.wikipedia.org/wiki/AikBank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“initially established in Niš in 1976”
- aikbank.rs/en/retail-clients/debit-cards checked September 26, 2026
Backs: Card type, Features, Monthly fee, Card network
“Debit cards”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.