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    ATM Fee Guide
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    ATM Fees in Bosnia Herzegovina

    Convertible Mark (BAM) • Updated April 2026

    Bosnia & Herzegovina uses the Convertible Mark, pegged to the Euro. ATMs are widely available in cities. Card acceptance is growing but cash remains important, especially in smaller towns and rural areas.

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    Tips for Bosnia Herzegovina

    • • BAM is pegged to EUR (1.96 BAM = 1 EUR)
    • • Raiffeisen and UniCredit ATMs are reliable
    • • Euros sometimes accepted informally in tourist areas
    • • Card acceptance good in Sarajevo, less so elsewhere
    • • ATMs have reasonable limits
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    Airport tips

    • • Sarajevo Airport has bank ATMs
    • • Currency exchange at airport available
    • • Airport taxi to city accepts cash or card
    • • No Uber - use taxi or arranged transfer
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Bosnia Herzegovina, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    55-117

    BAM/day

    🏨 Accommodation25-50
    🍜 Food & drinks15-30
    🚌 Transport5-12
    🎟️ Activities10-25

    ≈ $32.82-69.82 USD

    Mid-range

    Hotels, restaurants, mix of transport

    150-295

    BAM/day

    🏨 Accommodation70-140
    🍜 Food & drinks35-65
    🚌 Transport15-30
    🎟️ Activities30-60

    ≈ $89.51-176 USD

    Luxury

    Premium hotels, fine dining, private transport

    370-720

    BAM/day

    🏨 Accommodation180-350
    🍜 Food & drinks80-150
    🚌 Transport40-80
    🎟️ Activities70-140

    ≈ $221-430 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Bosnia Herzegovina.

    Credit card acceptance

    Moderate

    Card acceptance is good in Sarajevo and Mostar tourist areas. Smaller towns and traditional establishments prefer cash. Contactless payments are becoming more common.

    Regional differences

    • • Sarajevo: Good card acceptance in center
    • • Mostar: Tourist areas accept cards
    • • Smaller towns: Cash preferred
    • • Rural areas: Cash only
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    You'll need cash for

    • • Local cafes (kafana)
    • • Trams and buses
    • • Taxis (most)
    • • Markets
    • • Smaller restaurants
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    Cards usually accepted

    • • Hotels
    • • Tourist restaurants
    • • Shopping malls (BBI, Alta)
    • • Supermarkets
    • • Some cafes in Sarajevo

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    Raiffeisen Bank BiH0 BAM0 USD100
    UniCredit Bank BiH0 BAM0 USD80
    Intesa Sanpaolo BiH0 BAM0 USD60
    NLB Banka3 BAM~1.70 USD40
    Sparkasse Bank BiH0 BAM0 USD50

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Raiffeisen Bank BiH0 BAM0 USD100
    UniCredit Bank BiH0 BAM0 USD80
    Intesa Sanpaolo BiH0 BAM0 USD60
    Sparkasse Bank BiH0 BAM0 USD50
    NLB Banka3 BAM~1.70 USD40

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