ATM Fees in Bosnia and Herzegovina: Two Free Banks, 15 KM at Most Others

Last updated on 30 October 2026

Two banks in Bosnia and Herzegovina pay out to foreign cards without a fee: MF Banka and BPŠ Banka, both confirmed by two sources. Eight of the remaining banks charge 15 KM (about €7.67) per withdrawal, ProCredit 9.78 KM (€5.00) and UniCredit up to 18 KM in the Republika Srpska. Raiffeisen and Nova Banka charge nothing for some foreign cards. As of 29 October 2026, fees from our dataset of 1 September 2026.

The convertible mark is pegged to the euro at 1.95583, so you can check every conversion offer at the machine in your head. A POVNOMAD Bosnia and Herzegovina eSIM from €2.90 keeps your banking app online for the approval at the ATM.

All 15 banks at a glance

As of 29 October 2026. ✓✓ = confirmed by two independent sources · ✓ = single source so far (POVNOMAD fee dataset based on ATM Fee Saver, as of 1 September 2026). Second source for BPŠ Banka and MF Banka: travel-dealz.com, ATM operator fees, updated 17 September 2026, which lists both as free and the other banks at 10 to 15 KM; for NLB Banka a reader report there from Mostar of 15 September 2025. Converted at the fixed rate of the Central Bank of Bosnia and Herzegovina (€1 = 1.95583 KM). The figure shown on the ATM screen is what applies.

Is there a fee-free ATM in Bosnia?

Yes. MF Banka and BPŠ Banka charge foreign cards nothing in our dataset, and travel-dealz.com lists both as free. A reader there reported free withdrawals at MF Banka in Trebinje and Mostar and at BPŠ Banka in Trebinje in September 2025. MF Banka charges 20 KM for some card types; the screen tells you before you confirm.

Raiffeisen and Nova Banka are free only for some cards. Our dataset gives Raiffeisen 0 or 16 KM depending on card type and on whether the machine stands in the Federation or in the Republika Srpska. Nova Banka charges 0 KM to some foreign cards and 15 KM to others. We found no second source that says which cards qualify.

Where the sources disagree

• UniCredit: our dataset says 12 KM in the Federation and 18 KM in the Republika Srpska. A reader on travel-dealz.com paid 13 KM in Mostar in September 2025. The direction holds, the exact figure does not.
• BBI Banka: one source in our dataset listed it as free, the ATM Fee Saver screenshot showed 15 KM. We keep the higher figure.

The calculation that matters

A flat fee hurts small withdrawals. Here is what 15 KM, the most common fee, means in percent, next to a free bank:

Four withdrawals of 200 KM at a 15-KM bank cost 60 KM, about €30.68. The same 800 KM at MF Banka or BPŠ Banka cost nothing. If no free machine is near, take out larger amounts at once. Many machines pay out at most 400 to 1,000 KM, depending on the cash inside; Nova Banka allows up to 4,000 KM and Raiffeisen 2,000 KM per our dataset.

Does it matter whether you are in the Federation or the Republika Srpska?

For some banks, yes. Bosnia and Herzegovina consists of two entities, the Federation and the Republika Srpska, plus the Brčko District. Our dataset notes two banks whose fee depends on where the machine stands: UniCredit with 12 KM in the Federation and 18 KM in the Republika Srpska, and Raiffeisen with 0 or 16 KM by card and location. ATM Fee Saver also writes that a couple of banks charge foreign cards more in the Republika Srpska. Both figures come from one source, so read the screen in Banja Luka or Trebinje before you confirm.

The currency is the same everywhere: the convertible mark, KM for short, ISO code BAM. Machines in Bosnia pay out KM only, according to ATM Fee Saver.

What does the fixed euro rate mean at the machine?

The Central Bank of Bosnia and Herzegovina runs a currency board and fixes the rate at €1 = 1.95583 KM, the old Deutsche Mark conversion rate (CBBH exchange rate list No. 213, 29 October 2026). That gives you a check you can do in your head: 100 KM are €51.13, 500 KM are €255.65.

If the screen offers to charge your card in euros “at a guaranteed rate”, compare. A machine that wants €53.00 for 100 KM adds about 3.7 percent. Our dataset lists surcharges between 1 and 10 percent for accepting the conversion at Bosnian banks; we found no second source per bank, so we name no bank figure. Decline and choose KM. The button labels are in With or without conversion?

Our dataset also notes that UniCredit converts cards in currencies other than the euro itself. Euro cards are excluded from this, per the same note.

What your own bank adds

The KM amounts above are the Bosnian operator’s charge and apply whoever issued your card. Your own bank may add a foreign currency fee, because the convertible mark is not the euro despite the fixed rate, and a charge for withdrawals outside the European Economic Area, because Bosnia and Herzegovina is outside it.

Those are the two numbers to look up in your bank’s fee schedule before you go. We name no individual issuer’s terms; they change often, and only your bank can confirm them. ATM Fee Saver knows of no Global ATM Alliance bank in Bosnia.

Where you need cash in Bosnia

In Sarajevo, Mostar and Banja Luka you find machines in the centres, near bank branches and around the old towns, and many businesses take cards. Local markets, small restaurants and villages often run on cash, and machines thin out in rural areas, according to ATM Fee Saver. Take out cash in a larger town before you head to the mountains or a national park.

Why you want a signal at the machine

Many banks require approval through a push notification in their app for withdrawals abroad. With no data connection the card is declined, and at a 15-KM bank a failed attempt sends you looking for the next machine. A POVNOMAD Bosnia and Herzegovina eSIM costs €2.90 for 1 GB over 7 days or €6.90 for 3 GB over 15 days, installed at home, with validity starting on first contact in Bosnia.

Whether a local SIM or an eSIM suits your trip better is in our Bosnia and Herzegovina SIM card guide, the full price comparison in the Bosnia and Herzegovina eSIM provider comparison. Heading on to Kosovo? There, six of seven banks charge a flat €5, as our guide to ATM fees in Kosovo shows.

Frequently asked questions

This guide is also available in German. Last updated on 29 October 2026. Bank fees from the POVNOMAD fee dataset (ATM Fee Saver, 1 September 2026), second source travel-dealz.com (17 September 2026), exchange rate of the Central Bank of Bosnia and Herzegovina for 29 October 2026. Fees may change at any time.