LOVA review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Lova is the first domestic digital wallet that combines bill payments, transfers, gift cards and cryptocurrency activity in a mobile app. It suits people who want everyday finances, parking and household bills handled from a phone without visiting counters for daily routines.
Key facts
- Best for
- Everyday mobile payments, bills and crypto in one wallet
- Regulators
- Banking Agency of the Republic of Srpska↗
- Legal entity
- Digital Money Transfer d.o.o.↗
- Headquarters
- Bosnia and Herzegovina↗
- Official website
- lova.ba
Facts checked September 26, 2026, 1 source
Apps and profiles
- Elsewhere
- LinkedInXTrustpilot
Pros and cons
Pros
- Manages bills, parking, services and gift cards inside one mobile wallet
- Supports cryptocurrency buying and selling alongside everyday payments through partner link
- Provides QR based contactless payment through scanning within the mobile wallet
- Runs entirely on mobile phones for sending, receiving and paying on the move
Cons
- Operates as a mobile only wallet without branch or counter service
- Focuses on one domestic market rather than broad international coverage
Who it suits
- Households handling utility bills and parking from a phone
- Travellers arranging eSIMs, vignettes and transfers abroad
- People sending and receiving money without counter visits
Who should look elsewhere
- People seeking branch based banking with in person service
How LOVA compares
Where LOVA is available
- Available
- Bosnia and Herzegovina
- Licence in Bosnia and Herzegovina
- Banking Agency of the Republic of Srpska, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Lova?+
Lova is a domestic digital wallet that runs on mobile phones for sending, receiving and paying money. It brings household bills, parking, gift cards and cryptocurrency activity together in one place. Users control transactions from home without visiting counters or joining queues.
Who can use Lova?+
Lova addresses everyone, with particular attention to people who travel frequently and people who manage bills remotely. It also serves households that pay utilities online and people constantly on the move. The wallet keeps money and personal data protected under high security standards.
What can customers pay or buy with Lova?+
Customers can settle parking, services and monthly bills for electricity, water, heating, phone, internet and television. They can receive funds from friends, relatives or sales of products and services. They can also obtain cryptocurrency, eSIMs, gift cards, top ups and vignettes inside the wallet.
Which countries does Lova serve?+
Lova presents itself as the first domestic wallet built for its home market. It covers local needs such as city parking and household bills while supporting transfers to distant destinations. Travellers can also arrange eSIMs and vignettes for foreign trips within the same app.
Which regulators oversee LOVA?+
LOVA is overseen by Banking Agency of the Republic of Srpska. (Source, checked September 26, 2026)
Which company operates LOVA?+
LOVA is operated by Digital Money Transfer d.o.o.. (Source, checked September 26, 2026)
Where is LOVA based?+
LOVA is based in Bosnia and Herzegovina. (Source, checked September 26, 2026)
Sources
- lova.ba checked September 26, 2026
Backs: Headquarters, Legal entity, Regulators, Licences
“Banja Luka, Republic of Srpska, Bosnia and Herzegovina”
Compiled from 1 source page, checked October 13, 2026. We did not open an account.
Not confirmed yet: Taker fee, Coins listed, Fiat deposit methods.