It’s a first for Croatia: the Addiko digital bank branch is open for business.

The virtual bank branch provides customers of all banks with the first ever full digital end to end loan process. And so customers can complete the transaction from request to approval without the need to visit a branch.

In particular, the Addiko digital bank branch offers personal loans from HRK10,000 to HRK40,000. Loans are available over three to five year terms.

Moreover, customers can complete the onboarding process to open current accounts via the Addiko digital bank branch.

Loan applicants and new current account customers require only to use an ID card and PC, mobile or tablet.  In addition, video identification in the form of a chat with a contact centre agent takes only a few minutes. Thus the entire process can be completed within 15 to 30 minutes.

Addiko digital bank branch: the future of banking

“With Addiko Virtual branch we present a unique digital service that isn’t offered by anybody else on the market. This digital end-to-end process was until now unthinkable of in Croatia.

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“It ensures a modern digital user experience. Addiko Bank Croatia presents the future of banking. It is completely digital, easy, convenient, straightforward, and it directly corresponds with the digital trends and user desires” says Mario Zizek, Addiko Bank Croatia, CEO.

Headquartered in Vienna, Addiko operates across its core markets in Croatia, Slovenia, Bosnia and Herzegovina, Serbia and Montenegro. In addition, Addiko Bank provides online deposit services in Austria and Germany.

Across its core markets Addiko serves over 1.1 million customers. Its traditional branch network comprises 72 branches in Bosnia and 60 outlets in Croatia. In addition, it has 38 branches in Serbia and 18 and 11 units in Slovenia and Montenegro respectively.