Bosnia and HerzegovinaBAMBosnia-Herzegovina Convertible Mark

Money Transfer to Bosnia and Herzegovina

  • We lock the rate before payment
  • More than 100 transfers every day
  • Support at every stage of the transfer
1.63 BAMper 1 USDT+0.1% over 24hCalculation refreshed today at 16:411 USDT = 1.63 BAMOfficial rate; the final rate in the request may differ.
5.0Trustpilot
5.0Google
5.0Yandex
UAE licence No. 9966786413

BAM (Convertible Mark) is pegged to EUR through a currency board since 1995: 1 EUR = 1.95583 BAM. IBAN BA (20 chars) is mandatory. Russians transfer money to Bosnia and Herzegovina to family and business partners through Raiffeisen (RZBABA2S). Bosnia is an EU candidate; route to be clarified.

How to send money from Russia to Bosnia and Herzegovina: BAM to IBAN BA via SWIFT

The route, the receiving bank and the payout amount are agreed before payment.

ATM24 arranges international transfers in Bosnian Convertible Mark (BAM) through available banking routes. Bosnia and Herzegovina uses an IBAN of 20 characters: BA + 2 check digits + 16 digits of bank details. For an international transfer, you typically need the IBAN BA, SWIFT/BIC of the bank, and the recipient's full name. The national currency is the Convertible Mark (BAM), which is pegged to the euro through a currency board mechanism at a rate of 1 EUR = 1.95583 BAM. Major banks in the country include Raiffeisen Bank Bosnia and Herzegovina and UniCredit Bank, which operate under strict European AML/KYC and compliance standards.

Bank checks and transfer conditions

Bosnia and Herzegovina has been an EU candidate since 2022, so banks largely follow EU sanctions and compliance practices. The ability to transfer from Russia depends on the specific receiving bank and correspondent chain. ATM24 checks the available route in advance before confirming your request. ATM24's commission starts from 0.9%; the time for international transfer depends on the chosen bank and route.

Ways to receive a transfer in Bosnia and Herzegovina

Pick the way that suits the recipient — we agree the route and the details before payment

To Visa/Mastercard

BAM. Transfer to the recipient's Visa or Mastercard. Details required: 16-digit card number and recipient's full name. Availability and limits - check with ATM24 manager

  • UniCredit Bank BH
  • Raiffeisen Bank Bosnia
  • NLB Banka

To BAM bank account

SWIFT transfer to the recipient's account. IBAN is mandatory. For the transfer you need the recipient's IBAN, the bank's SWIFT/BIC, and the recipient's full name. Banks: Raiffeisen Bank Sarajevo and UniCredit Bank

  • SWIFT Raiffeisen Bank BiH: RZBABA2S
  • UniCredit Bank BH
  • Raiffeisen Bank Bosnia
  • NLB Banka

Cash in BAM

BAM. Cash pickup - check with ATM24 manager. Details for pickup: recipient's full name and ATM24 payout code. Current pickup locations - check with manager when submitting your request

  • Sarajevo
  • Banja Luka
  • Tuzla

Bosnia and Herzegovina is a country with a unique monetary system: BAM is pegged to EUR through a currency board mechanism (without the regulator's right to change the exchange rate) since 1995. The country gained EU candidate status in December 2022 (application submitted in 2016): banks increasingly follow EU sanction standards. Raiffeisen (RZBABA2S) and UniCredit (UNCRBA22) are international banks with European compliance.

Rates and cost of a transfer to Bosnia and Herzegovina

We accept RUB, USD, EUR and USDT — we pay out in BAM

Reference rate for today

  • RUB BAM

    0.01816per 1 RUB

    10 000 ₽ = 182 BAM
  • USD BAM

    1.63per 1 USD

    100 $ = 163 BAM
  • EUR BAM

    1.85per 1 EUR

    100 € = 185 BAM
  • USDT BAM

    1.63per 1 USDT

    100 USDT = 163 BAM

What the recipient gets — at 1 USDT = 1.63 BAM

You sendPayout in BAM
100 USDT163 BAM
300 USDT489 BAM
500 USDT815 BAM
1 000 USDT1 629 BAM
5 000 USDT8 146 BAM
Reference values update automatically. The final fee and rate are locked in the request before payment.

Banks and payment infrastructure — Bosnia and Herzegovina

Where recipients usually get the money in Bosnia and Herzegovina

  • UniCredit Bank BH

    UNCRBA22

  • Raiffeisen Bank Bosnia

    Raiffeisen Bank Bosnia — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.

  • NLB Banka

    NLB Banka — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.

  • Sparkasse Bank Bosnia

    Sparkasse Bank Bosnia — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.

  • Addiko Bank Bosnia

    Addiko Bank Bosnia — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.

How payments work in Bosnia and Herzegovina

  • National currency

    The national currency is the Convertible Mark (BAM), which is pegged to the euro at a rate of 1 EUR = 1.95583 BAM.

  • Card systems

    Visa and Mastercard are the main systems. Maestro is present on debit cards. Interpaymens is the national clearing center. DinaCard is accepted at merchant locations through an agreement with Serbia.

  • Payment applications

    Western Union is also available in Sarajevo as one of the channels for international money transfers.

  • Interbank transfers

    The country uses IBAN BA with a length of 20 characters.

  • Financial regulator

    Among the main banks for international transfers are Raiffeisen Bank (RZBABA2S) and UniCredit Bank (UNCRBA22).

  • Special features for ATM24

    Bosnia and Herzegovina has been an EU candidate since 2022, so major banks follow European sanctions and compliance standards when processing transfers from Russia.

With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.

How the transfer works to Bosnia and Herzegovina

Three steps from request to payout

  1. Step

    Send a request

    Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route

  2. Step

    Agree the route

    We check the recipient details and confirm the route, rate, fee and payout amount

  3. Step

    Pay for the transfer

    Once paid, the transfer goes out along the agreed route — we report the status in the messenger

What to prepare for the transfer

To Visa/Mastercard

  • Details required: 16-digit card number and recipient's full name

To BAM bank account

  • SWIFT Raiffeisen Bank BiH: RZBABA2S

We verify the exact details when agreeing the available route before payment.

Why people choose ATM24

Facts, not promises

No surprises on the rate

You see the rate, the fee and the payout amount before you send the money.

Request to Bosnia and HerzegovinaLocked in
Rate
1 USDT = 1.63 BAM
Payout method
Bank transfer
Payout currency
BAM
The rate and the amount are locked when the request is confirmed and do not change afterwards.

Terms are known before payment

The route, rate, fee and payout amount are agreed before payment.

  • Route
  • Rate
  • Payout amount

Cash payout

Reference cities with payout locations. Availability of a specific location is confirmed in the request.

  • Sarajevo
  • Banja Luka
  • Tuzla

Confirm the city before payment

Available payout options

Only methods present in both the country description and the current route are shown.

You send
  • RUB
  • USD
  • EUR
  • USDT
BAM
They receive
  • Bank transfer
  • Cash
  • MoneyGram
  • Western Union

Customer reviews

Real stories from real people

Rasul Gafurov

Google

Fast and reliable and most importantly 1000% guarantee. Out of 7 exchangers that I used this one is top 1. 🥇

Read full review

Владимир Аксенов

Trustpilot

Manager Sofa helps me again with a good rate. The atm24.pro project is one of the best projects with a favorable rate for Phuket.

Read full review

Руслан Мамедов

Yandex

Hello. I want to share positive emotions about working with this company. These are real professionals at their craft. I had difficulties exchanging money, manager Anna rescued me, helped exchange everything, consulted and monitored the whole process. I was very pleased with how they do their job. Great company, very customer-oriented. I recommend to everyone, you will be satisfied. They are 100% masters of their craft. Bravo.🫶

Read full review

Transfers to other countries

We agree the rate and the payout method before payment — pick where the money goes.

Frequently asked questions about transfers to Bosnia and Herzegovina

Answers to questions about sending money to Bosnia and Herzegovina through ATM24.

How can I send money to Bosnia and Herzegovina with payout in BAM through ATM24?

Sending money to Bosnia and Herzegovina with payout in BAM works best when the Bosnia and Herzegovina BAM payout route is checked before the sender pays. ATM24 verifies the route through a bank such as UniCredit Bank or ASA Banka, confirms the final payout amount, and shows the fee and timing in advance. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

Can the recipient receive a transfer on a card or bank account in Bosnia and Herzegovina in BAM?

Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Bosnia and Herzegovina in BAM on the Bosnia and Herzegovina BAM payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Raiffeisen Bank may require a different set of details than Nova Banka, so card and account routes are confirmed separately. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

Which banks can receive a transfer to Bosnia and Herzegovina in BAM?

ATM24 can check whether a BAM transfer to Bosnia and Herzegovina may go through UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka. The receiving bank must match the recipient details and accept the selected payout route. The manager confirms the bank, account or card format, and final amount before payment.

What recipient details are needed to send money to Bosnia and Herzegovina in BAM?

To prepare a BAM payout in Bosnia and Herzegovina, start with the exact recipient name and receiving route. ATM24 checks Raiffeisen Bank, ASA Banka, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

How long does a money transfer to Bosnia and Herzegovina in BAM take?

A money transfer to Bosnia and Herzegovina in BAM can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as ASA Banka or Nova Banka. Documents or bank review can extend the processing time. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

What is the fee for sending money to Bosnia and Herzegovina with payout in BAM?

ATM24 calculates a transfer fee from 0.9% for payouts to Bosnia and Herzegovina in BAM. The final figure depends on the Bosnia and Herzegovina BAM payout route, amount, payment method, bank such as Raiffeisen Bank, and whether the recipient receives money on a card or account. The sender sees the final payout amount before paying. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

Can I pay by international card, bank transfer, or USDT while the recipient receives BAM in Bosnia and Herzegovina?

Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives BAM in Bosnia and Herzegovina. The manager checks UniCredit Bank, Raiffeisen Bank, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

What is the minimum and maximum transfer amount to Bosnia and Herzegovina in BAM?

ATM24 accepts transfers to Bosnia and Herzegovina in BAM from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Bosnia and Herzegovina BAM payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

What documents are needed for a large transfer to Bosnia and Herzegovina in BAM?

A large BAM payout to Bosnia and Herzegovina can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

How much will the recipient get in BAM if I send 1000 USD to Bosnia and Herzegovina?

For a 1000 USD transfer to Bosnia and Herzegovina, the live BAM estimate depends on the current ATM24 route: 1,629.13 BAM. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through UniCredit Bank or Raiffeisen Bank. The final BAM amount is fixed before payment. Bank-route examples for Bosnia and Herzegovina: UniCredit Bank, Raiffeisen Bank, ASA Banka, Nova Banka, and Bank Banja Luka.

Could not find an answer to your question?

Contact support

Send money to Bosnia and Herzegovina with ATM24

We check the available payout method, rate and route and confirm the terms before payment.

Send a request

By sending the request you accept the privacy policy.