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
Bosnia and HerzegovinaBAMBosnia-Herzegovina Convertible Mark
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.
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.
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.
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
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
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
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.
We accept RUB, USD, EUR and USDT — we pay out in BAM
RUB BAM
0.01816per 1 RUB
10 000 ₽ = 182 BAMUSD BAM
1.63per 1 USD
100 $ = 163 BAMEUR BAM
1.85per 1 EUR
100 € = 185 BAMUSDT BAM
1.63per 1 USDT
100 USDT = 163 BAM| You send | Payout in BAM |
|---|---|
| 100 USDT | 163 BAM |
| 300 USDT | 489 BAM |
| 500 USDT | 815 BAM |
| 1 000 USDT | 1 629 BAM |
| 5 000 USDT | 8 146 BAM |
Where recipients usually get the money in Bosnia and Herzegovina
UNCRBA22
Raiffeisen Bank Bosnia — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
NLB Banka — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Sparkasse Bank Bosnia — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Addiko Bank Bosnia — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
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.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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Answers to questions about sending money to Bosnia and Herzegovina 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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