Withdraw cash in Bosnia and Herzegovina without ATM fees
Which ATMs cost what?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| MF BankaNo fee according to two reports (2024/25), documented for Visa. | free | 9 | medium |
| UniCreditReports disagree (BAM 7–13). | BAM 7–13 | 183 | low |
| Bank ATMs (default) | BAM 10–16.75 | 387 | medium |
| RaiffeisenReports 2024/25: BAM 16–16.75. | BAM 10–16.75 | 130 | medium |
| AddikoBAM 15. | BAM 15 | 73 | medium |
| NLBBAM 15. | BAM 15 | 71 | medium |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 56 | – |
ATMs in popular places
FAQ
Can you withdraw cash for free in Bosnia and Herzegovina?
Mostly no. Most bank ATMs in Bosnia and Herzegovina charge foreign cards a fee. Almost all banks charge foreign cards BAM 10–16.75.
Which ATMs are free in Bosnia and Herzegovina?
According to our sources, no operator fee at: MF Banka. The map marks 9 ATMs with no known fee.
Should I pay in BAM or in my home currency?
If the ATM offers to charge you in your home currency, always choose BAM (without conversion). The ATM's own conversion (DCC) often costs 5–10%.
How do I avoid ATM fees in Bosnia and Herzegovina?
Fees are charged mainly by: Raiffeisen (BAM 10–16.75), NLB (BAM 15), Addiko (BAM 15), UniCredit (BAM 7–13). The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Avoid Euronet and other independent operators, especially at airports and in tourist areas. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
All tips for withdrawing cash abroad →
Sources
- Travel-Dealz: ATM Operator Fees in 80 Countries (09/2026)
- Tripadvisor: ATM fees Bosnia (2024)
- TikTok @aikotravelseverywhere (07/2025)
- ATM Fee Saver: ATM Fees in 51 European Countries (06/2026)
- finanzguide.at: Bankomatgebühren Österreich 2026
- Vielfliegertreff: Geldautomaten außerhalb von Deutschland ohne Gebühr (Forum)