ZiraatBank BH review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ZiraatBank BH is a Bosnian bank whose fixed savings pay a headline rate of 1.58% to 1.79% and whose debit card costs BAM 2.69 each month. It suits savers with money to leave for a term and customers who want a credit line on the same card.
Pros and cons
Pros
- Fixed rate of 1.58% to 1.79% that holds for the whole term, so the return is known in advance
- A low opening balance of BAM 100 for the term savings account
- Personal loans of BAM 50,000 over 120, offered directly by the bank
- A debit card for everyday spending, and a credit line of credit line
Cons
- The fixed savings account locks funds until the contract ends, so the money cannot be disposed of early
- The debit card carries a monthly fee of BAM 2.69
Who it suits
- Savers in Bosnia and Herzegovina who can leave money untouched for a term
- Customers who want a credit line alongside their card spending
- People who bank in Bosnian mark and want a single bank for saving, borrowing and cards
Who should look elsewhere
- Anyone who needs to withdraw savings at short notice, since funds stay locked until the contract expires
- Customers who want a card with no monthly charge, and would do better with bunq, where fees are €0
- Travellers who expect a fee free multi currency account, where Wise is the stronger pick with a monthly fee of £0
Rates and card terms
The savings account is a fixed deposit, so the money stays committed until the contract ends. The rate type is fixed, and the headline rate of 1.58% to 1.79% is set for the whole period. On the lending side the bank offers personal loans of BAM 50,000 over a term of 120. The card on file is a debit card, and a credit option sits alongside a credit line arrangement.
The company behind it
The provider is ZiraatBank BH d.d., headquartered in Bosnia and Herzegovina. It lends directly rather than through a broker, which keeps the agreement in one place. Support runs on phone and help centre, so a phone line and a help centre cover most questions, and the bank's own pages set out the terms attached to each product.
How ZiraatBank BH compares
Frequently asked questions
What rate does the ZiraatBank BH savings account pay?+
The headline rate is 1.58% to 1.79% and the rate type is fixed, so the return does not move during the term. The account kind is fixed, which means the balance is tied up rather than available on demand.
How much do I need to deposit to open the savings account?+
The minimum deposit is BAM 100. Further deposits are allowed while the term runs, so the balance can grow, but the funds cannot be disposed of until the contract expires.
Is the money in the savings account locked in?+
Yes. The access terms allow further deposits while the term runs, but the funds can be disposed of only after the contract expires. Anyone who may need the cash earlier should keep it somewhere more liquid.
What does the card cost each month?+
The monthly fee is BAM 2.69 for the debit card. For a fee free alternative, bunq charges a monthly fee of €0 on its account.
Can I borrow from the same bank?+
Yes. The bank is a direct lender and offers a personal and credit line arrangement, with personal borrowing of BAM 50,000 over 120. A credit line sits on the same relationship for shorter term flexibility.
Who is behind the account?+
The provider is ZiraatBank BH d.d., based in Bosnia and Herzegovina. Because the bank lends directly, the borrowing terms and the card are handled within the same institution rather than through a separate broker.
How do I get help if something goes wrong?+
Support runs on phone and help centre, which covers a phone line and a help centre. Anyone who prefers written email contact or a live chat would be better served by a bank that offers those channels.
Which currency does the account work in?+
Deposits and fees are quoted in the convertibility mark, with the savings minimum of BAM 100 and the card fee of BAM 2.69 both on that basis. Customers who need to hold and convert several currencies would do better with a multi currency account such as Wise, where the monthly fee is £0.
Sources
- ziraatbank.ba/bs/racun-ustede-novca checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type
“Minimalni iznos za ugovaranje štednje iznosi 100 KM / 50 EUR”
- ziraatbank.ba/Documents/Category/ZFG_BOSNA_info-list_teku... checked September 26, 2026
Backs: Card type, Monthly fee
“Prvo izdavanje debitne kartice: 12,00 KM - Gen Z current account with debit card”
- ziraatbank.ba checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Bosna Hersek Global Network”
- ziraatbank.ba/bs/nenamjenski1 checked September 26, 2026
Backs: Loan amount, Lender type, Loan types, Term
“Nenamjenski Krediti: Maksimalni iznos kredita 50.000,00 KM i maksimalni rok otplate 120 mjeseci za kredite koji nisu obezbjeđeni hipotekom ili depozitom”
- ziraatbank.ba/bs/okvirni-limit checked September 26, 2026
Backs: Features
- ziraatbank.ba/en/card-transactionsr checked September 26, 2026
Backs: Card kind
“Card Transactions - Retail Banking Products and Services”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
ZiraatBank BH
Bosnian savers who can leave money in a fixed term and want card spending on the same bank.