Bosna Bank International review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bosna Bank International suits savers who can leave money locked away, since its fixed term deposit pays 2.5% to 2.7% for 12 to 60 and the return lands at maturity. Day to day, the bank issues a debit card on the visa network, and cash withdrawals at its own ATMs are free of charge.
Key facts
- Best for
- A fixed term deposit at a local bank, with a Visa debit card for everyday cash and spending.
- Currency conversion fee
- 1%↗
- Free ATM withdrawals
- BAM 0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Bosna Bank International d.d. Sarajevo↗
- Headquarters
- Bosnia and Herzegovina↗
- Founded
- 2000↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Travel
- Official website
- bbi.ba
Loans
- Loan amount
- BAM 500 to BAM 500,000↗
- Term
- 12 to 60 months↗
- Arrangement fee
- 0 BAM↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- ID card and CIPS certificate of residence required; three last payslips or current account statements↗
- Loan types
- Personal, Secured, Car, Business, Cash-advance↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
Credit cards
- Rewards type
- None↗
Pros and cons
Pros
- A debit card on the visa network, with cash withdrawals free of charge at the bank's own ATMs
- Term deposits open from a BAM 100 minimum deposit, and the base balance can be topped up while the term runs
- Lending comes straight from the bank rather than a broker, with personal, secured and car loan types on offer
Cons
- Rewards on spending are none, so nothing comes back on everyday purchases
- Currency conversion costs 1% against a site median of 1%, and the card ranks 128 of 258 cards compared on that fee
- Access terms tie the money in: funds can only be disposed of once the agreed term expires
Who it suits
- Savers who can commit funds for 12 to 60, since the account kind is fixed and the return is paid at maturity
- Homebuyers and improvers, with residential lending up to 100% of the value for purchase and remortgage
- Customers after a long standing local relationship: founded in 2000, with support on email, phone and help centre
Who should look elsewhere
- People who convert currency often, since Starling Personal Account Debit Card charges 0% on conversion where this card charges 1%
- Frequent spenders abroad, since Wise charges 0.1% on conversion against 1% here
Who runs it
Bosna Bank International d.d. Sarajevo is the legal entity behind the brand, with its head office in Bosnia and Herzegovina. The bank was founded in 2000 and lists email, phone and help centre as its support routes, so a caller, an email or a help centre covers most questions before you reach for a branch.
How Bosna Bank International compares
9.2 vs 9.4
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9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.6
9.2 vs 9.2
9.2 vs 8.4
9.2 vs 8.5
9.2 vs 8.8
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.0- 9.2 vs 8.0
Where Bosna Bank International is available
- Available
- Bosnia and Herzegovina
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does it cost to use the card abroad?+
Converting currency on the debit card costs 1%, and the card is built for travel, so spending outside the home currency runs through that rate. Rewards on the card are none, which leaves the conversion charge as the main cost for anyone buying abroad.
Are cash withdrawals free on this card?+
Withdrawals at Bosna Bank International's own ATMs are free of charge, with a listed free allowance of BAM 0. The card runs on the visa network, so a single card can be used wherever that network is accepted.
What rate does the term deposit pay, and for how long?+
The term deposit pays 2.5% to 2.7% on a fixed rate, and the term runs 12 to 60. The account kind is fixed, so the balance is held to the end of the agreed period rather than being available on demand.
How much is needed to open it, and can the money come out early?+
A minimum deposit of BAM 100 is needed to start. Funds can only be disposed of once the agreed term expires, and during the term the base deposit can be increased but not reduced, so the amount is genuinely committed until maturity when the return is paid.
What does residential lending cost?+
Residential mortgages charge a product fee of BAM 0 and an arrangement fee of 0 BAM, with borrowing up to 100% of the value for purchase and remortgage. The fixed period offered runs 10, and home improvement is listed among the use cases.
Does the bank lend directly?+
Lending comes from the bank itself rather than a broker, and the loan types cover personal, secured and car. That range includes personal and secured lending alongside car, business and cash advance, so a borrower can stay with one provider for either a mortgage or a personal loan.
What do applicants need to show?+
Cash payment without a mortgage needs an ID card and a CIPS certificate of residence, plus either recent payslips or current account statements. The card is a debit card, so it draws on the money in the account rather than a credit line.
How do you reach support?+
Support runs on email, phone and help centre, so a question can go by email, by phone or through the help centre. The legal entity behind the service is Bosna Bank International d.d. Sarajevo, which also handles the lending side of the relationship.
Sources
- bbi.ba/en checked September 26, 2026
Backs: Loan amount, Loan types
“Amount must be between 500 and 500,000 KM”
- bbi.ba/en/about-us checked September 26, 2026
Backs: Lender type
“provides all types of banking products and services to its clients, individuals and legal entities”
- bbi.ba/en/accounts-cards/debit-cards/bbi-visa-gold-card checked September 26, 2026
Backs: Card network
“BBI Visa Gold card - Enhanced debit card”
- bbi.ba/en/accounts-cards/debit-cards/bbi-visa-platinum-card checked September 26, 2026
Backs: Card type, Features, Currency conversion fee
“The BBI Visa Platinum debit card is issued upon request”
- bbi.ba/en/cash-payment-without-mortgage checked September 26, 2026
Backs: Eligibility
“Photocopy of LK for the main debtor/co-debtor; Photocopy of the CIPS certificate of residence for the debtor/co-debtor”
- bbi.ba/en/cash-withdrawals-with-bbi-debit-cards-at-bbi-at... checked September 26, 2026
Backs: Free ATM withdrawals
“Cash withdrawals with BBI debit cards at all BBI ATMs are free of charge”
- bbi.ba/en/financing/residential-financing/purchase-constr... checked September 26, 2026
Backs: Arrangement fee, Use cases
“BBI housing financing: No processing fee”
- bbi.ba/finansiranja/isplata-gotovine/hipotekarno-finansir... checked September 26, 2026
Backs: Fixed period
“BBI Hipotekarno finansiranje: a fixed profit margin can be contracted for a repayment term of up to 120 months”
- bbi.ba/finansiranja/stambena-finansiranja/kupovina-izgrad... checked September 26, 2026
Backs: Maximum loan to value, Product fee, Purpose
“BBI residential financing (purchase/construction of real estate): collateral - mortgage 1:1, i.e. the appraised property value equals the financing amount”
- bbi.ba/o-nama checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Support channels
“Since its founding in 2000 we operate in line with Islamic financial principles”
- bbi.ba/stednja/orocena-wakala-stednja checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Disposal of funds is possible after expiry of the agreed period; the investor may increase but cannot reduce the amount of the base deposit”
- bbi.ba/uporedite-visa-kartice checked September 26, 2026
Backs: Rewards type
“Debitne kartice”
Compiled from 12 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Protection.
Bosna Bank International
A fixed term deposit at a local bank, with a Visa debit card for everyday cash and spending.