**1 star**

Very disappointing experience with this bank.

My wife, who is a legal resident of Serbia, attempted to open a basic bank account. Without even reviewing her documents, the employee immediately focused on one question only: whether she was formally employed. When we explained that she works as a freelancer, we were told she could not open an account unless she had a registered company in Serbia.

There was no attempt to understand her situation, no proper explanation of alternatives, and no willingness to assist. The interaction was polite on the surface, but the overall approach felt dismissive and discriminatory.

It is frustrating to see a foreign-owned bank operating in Serbia while applying such rigid and outdated practices, especially toward residents who fully meet legal requirements.

Based on this experience, I cannot recommend this bank. Anyone without endless time, patience, and legal knowledge should avoid it. If you encounter similar treatment, consider reporting the issue to the National Bank of Serbia.

Unfortunately, one star is the lowest possible rating. If zero were an option, I would choose it.

If you would like, I can also tailor the review to sound either more formal and legal-focused or more emotional and customer-oriented, depending on the tone you prefer.