NLB Komercijalna Banka review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NLB Komercijalna Banka issues a debit card on the mastercard network with a monthly fee of RSD 0, so it suits everyday spending close to home rather than travel or multi-currency use. The trade-off is support, since the bank reaches customers through email and help centre only.
Key facts
- Best for
- Everyday domestic spending on a debit card with a monthly fee of RSD 0.
- Monthly fee
- RSD 0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- NLB Komercijalna banka AD Beograd (Source, checked September 26, 2026)
- Headquarters
- Serbia (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Official website
- nlbkb.rs
Credit cards
Pros and cons
Pros
- A debit card with a monthly fee of RSD 0, so everyday spending carries no ongoing charge.
- The mastercard network, which covers 38.5% of the cards listed on the site, so the scheme is a familiar one.
- The card comes from a named bank, NLB Komercijalna banka AD Beograd, rather than an app-only provider, with its head office in Serbia.
Cons
- Support runs on email and help centre only, with no phone or live chat among the listed channels.
- One scheme is offered, mastercard, so there is no Visa or Amex card in the range.
- The range covers a debit card, so there is no credit or prepaid option to pair it with.
Who it suits
- Customers in RS who want a debit card for everyday payments.
- People who prefer fixed costs, since the monthly fee is RSD 0.
- Anyone content to reach the bank by email or the help centre, which is all email and help centre lists.
Who should look elsewhere
- Travellers who convert often, since Wise is the alternative in this set and its monthly fee is £0.
- People building a credit record, who should look at Varo Believe, a secured credit card with a monthly fee of $0.
- Card holders after a Visa, since the network here is mastercard and Chime Card is a Visa credit card.
Who runs it
The provider is NLB Komercijalna banka AD Beograd, a bank with its head office in Serbia, so the account sits inside a domestic banking relationship rather than with an app-only service. Support runs on email and help centre, meaning questions reach the bank by email or through its help centre rather than by phone or live chat.
How NLB Komercijalna Banka compares
Where NLB Komercijalna Banka is available
- Available
- Serbia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the card cost each month?+
The monthly fee is RSD 0 on the bank's published retail tariff, so the card carries no ongoing charge. It is a debit card, which means the balance behind it is your own money in the account rather than a credit line.
Is it a debit or a credit card?+
It is a debit card issued by NLB Komercijalna banka AD Beograd, so purchases draw on the balance you hold and no interest rate attaches to them. The range here is debit only, which suits people spending current funds rather than borrowing.
Which card network does it run on?+
The card runs on mastercard, so it is accepted wherever that scheme is accepted, at home and at foreign merchants that take it. Only that scheme is offered, which matters if you would rather hold a different network for travel.
How do I reach customer support?+
Support runs on email and help centre, so questions reach the bank by email or through the help centre. A phone line or live chat is not among the listed channels, so anyone who prefers speaking to someone should weigh that before opening the account.
Who is behind the account?+
The provider is NLB Komercijalna banka AD Beograd, a bank with its head office in Serbia. The card therefore sits with an established bank rather than a standalone app, and the terms that apply to it come from the bank's published tariff.
Which market is this card built for?+
The bank is headquartered in Serbia and issues the card there, so it is aimed at customers of that market. Anyone spending mainly in another country would be better served by one of the alternatives, which are priced around other money habits.
How do the fees compare with the other cards here?+
On the monthly fee, RSD 0 sits alongside £0 at Wise, $0 at Varo Believe and $0 at Chime. The picks are level on that charge, so the card model and the network decide between them.
Sources
- nlb.rs/kontakt-centar checked September 26, 2026
Backs: Support channels
“Kontakt kontakt.centar@nlbkb.rs”
- nlb.rs/o-nama checked September 26, 2026
Backs: Headquarters, Legal entity
“NLB Komercijalna banka AD Beograd”
- nlb.rs/stanovnistvo/platne-kartice checked September 26, 2026
Backs: Card type
“Mastercard Standard - NLB Start paket debit card”
- nlbkb.rs/content/dam/nlb/nlbkb-rs-serbia/documents/opsti-... checked September 26, 2026
Backs: Monthly fee
“NLB Start paket Bez naknade”
- nlbkb.rs/content/dam/nlb/nlbkb-rs-serbia/documents/opsti-... checked September 26, 2026
Backs: Card network
“Mastercard Standard bez naknade”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
NLB Komercijalna Banka
Everyday domestic spending on a debit card with a monthly fee of RSD 0.