Termiz shared insights into the bank’s most in-demand products and what differentiates ProCredit Bank in a saturated financial market.
What products are currently in highest demand?
Unsecured personal loans remain the most sought-after product across the banking sector. At ProCredit Bank, we’re currently running a campaign under the slogan “ProBudi snove” (Awaken Your Dreams). This campaign stands out thanks to competitive interest rates—and more importantly—zero processing fees and no insurance costs. That translates to potential savings of up to BAM 1,500 for clients applying for higher loan amounts or longer repayment terms.
We’ve engineered the credit application process to be as seamless as possible—simplified documentation, faster approval timelines, and an experience designed around client expectations.
Clients can apply for loans online via our website, by calling our toll-free number (080 020 040), or by visiting any of our branches.
Beyond lending, clients are looking for safe and favorable savings options. As a bank backed by German capital and built on trust, we continue to see consistent growth in personal savings. We offer attractive interest rates on fixed-term deposits, including a standout 13-month term with rates up to 2% (NIR = EIR).
The “ProBaj” Concept – What’s It All About?
ProBaj is a market-first in Bosnia and Herzegovina—a six-month free trial of ProCredit Bank’s full banking experience. It includes:
- Free current and savings accounts (in BAM and EUR)
- Mobile and online banking access
- A free debit card linked to the account
And that’s just the foundation.
Clients can withdraw cash from any ATM in the country—regardless of the bank—five times per month without fees. All domestic payments within BiH are also completely free, whether it’s a bill payment or a money transfer.
Clients can receive international transfers without fees, and enjoy full control of their finances through secure, modern mobile and internet banking. With SMS alerts, clients are always informed—real-time balance updates and transaction details at their fingertips.
At the end of the trial period, clients can close their account at no cost. No strings attached, no hidden fine print—just a radically transparent, user-centric experience.
A Cashless, Queue-Free Branch Experience
Unlike traditional banks, our branches do not process cash or payment transactions. These services are offered exclusively through ATMs and digital channels, eliminating wait times and outdated branch visits. That’s a differentiator, and it’s exactly how we’re staying ahead of the curve.
Through our 24/7 Self-Service Zones, clients can deposit or withdraw cash in BAM or EUR at any time. Combined with our digital platforms, they can bank anytime, anywhere.
What’s Next?
Looking ahead, we’re continuing to evolve. Expect further enhancements in mobile and online banking, a streamlined product application journey, and more intuitive digital engagement channels.
In 2025, we’re launching new card products, youth banking solutions, and smart digital tools. Our North Star? To be the trusted bank of choice, known for effortless onboarding, paperless processes, and zero hidden costs.
ProCredit Bank is not just adapting to the future of banking—we’re shaping it.
