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Ahsan Mukhtar

Bosnia And Herzegovina IBAN

BA·BAM

By Awais ImranUpdated October 18, 2026IBAN formats match the SWIFT IBAN RegistryOur methodology

A Bosnia And Herzegovina IBAN is 20 characters long.

BA and two check digits open every Bosnia And Herzegovina IBAN; its remaining 16 form the BBAN (Basic Bank Account Number). Transfers into Bosnia And Herzegovina arrive in BAM over SWIFT.

Example Bosnia And Herzegovina IBAN

Electronic format

BA391290079401028494

Print format

BA39 1290 0794 0102 8494

IBAN structure for Bosnia And Herzegovina

Country code

BA

Check digits

39

Bank code

129

Branch code

007

Account number

94010284

National check digit

94

Total length20 characters

Major banks in Bosnia And Herzegovina

1 banks in Bosnia And Herzegovina that support IBAN-based international transfers:

U

UniCredit Bank

Format reference: SWIFT IBAN Registry.

Bosnia And Herzegovina IBAN questions

How close is Bosnia and Herzegovina to joining SEPA?

It had not applied as of September 2025, when the CBBH told the Banks Association that 16 of SEPA's 18 technical and regulatory criteria were met but that applying required further alignment of domestic law with EU rules. The EPC's SEPA country list, version 8.0 of December 2025, does not name Bosnia and Herzegovina.

Does the FATF grey listing affect transfers to Bosnia and Herzegovina?

The FATF put the country under increased monitoring at its plenary on 19 June 2026. The Banking Agency of the Federation (FBA) said the listing is unrelated to the banking system's stability and may have limited effects on the efficiency of banking services in international business. The FATF does not call for enhanced due diligence on listed countries.

Who licenses and supervises banks in Bosnia and Herzegovina?

Two entity agencies rather than the central bank. The Banking Agency of the Federation of Bosnia and Herzegovina, founded at the end of 1996, licenses and supervises banks in the Federation, and the Banking Agency of Republika Srpska does so in that entity. Under its own law, the CBBH coordinates the two agencies.

Bosnia and Herzegovina: the convertible mark and CBBH payments

Bosnia and Herzegovina's convertible mark (KM, or BAM) runs on a currency board: the Central Bank of Bosnia and Herzegovina (CBBH) issues marks only against convertible foreign currency at a fixed rate, and every mark issued is covered by foreign currency. The anchor is the euro, at the rate the CBBH Governing Board agreed on 11 October 2001, taken from the rate the Council of the EU fixed for converting Deutsche Marks.

Domestic payments used to run through three payment bureaus, ZPP and ZAP in the Federation and SPP in Republika Srpska. On 5 January 2001 commercial banks took over, settling through two CBBH systems whose equipment USAID funded: RTGS for payments over KM 10,000, optional below that, and gyro clearing for KM 10,000 or less.
In 2019 the CBBH moved gyro clearing to SEPA message formats under ISO 20022 and the European Payments Council rulebook, and upgraded its registry of accounts to hold every business entity's accounts, updated by banks in real time. The registry also helps banks, tax authorities and police trace money laundering and tax evasion.
On 20 July 2026 the CBBH launched a domestic instant payment system, open to all banks around the clock. Intesa Sanpaolo Banka BiH, Raiffeisen Bank and Sparkasse Bank, a quarter of banking-sector assets, joined first; others will follow. It runs on TIPS Clone, the Bank of Italy's Western Balkans version of the Eurosystem's TIPS.

Sources: CBBH: 20 years of the KM peg to the euro; CBBH: 20 years of CBBH payment systems (Jan 2021); CBBH: domestic instant payment system launched (20 July 2026); FBA: grey list classification and the banking system (Bosnian).