ASA Banka review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ASA Banka is a Sarajevo bank for regional savers who want a fixed-rate term deposit in Comoros, EUR or USD without a standing charge, with a monthly fee of BAM 0. The catch is access: this is a fixed deposit that ties the money up, not an account for daily spending.
Key facts
- Best for
- A fixed-rate term deposit for regional savers, held without a monthly charge.
- Monthly fee
- BAM 0↗
- Currencies
- 15↗
- Transfer fee
- Sender pays the transfer cost, recipient is paid the full amount with no fee (Western Union)↗
- Legal entity
- ASA Banka d.d. Sarajevo↗
- Headquarters
- Bosnia and Herzegovina↗
- Founded
- 1957↗
- Support channels
- Phone↗
- Pricing model
- Fixed rate, No monthly fee
- Official website
- asabanka.ba
Savings
Pros and cons
Pros
- A monthly fee of BAM 0 on the term savings account, so holding the deposit costs nothing each month.
- Term savings can run in Comoros, EUR, USD or other listed currencies, and the currency list covers 15.
- The rate type is fixed, with an option of automatic prolongation on expiry for savers happy to let the placement roll.
- Trading since 1957, with deposits insured under the Deposit Insurance Law.
Cons
- The account kind is fixed, so the money is tied up in a term deposit instead of being available on demand.
- The exchange rate margin runs 0% to 8.5%, so frequent conversion can cost more at the top of that range.
- Support runs on phone only, with no written or live chat channel listed alongside it.
Who it suits
- People in Bosnia and Herzegovina with a lump sum to place for a fixed term.
- Savers who earn or spend in Comoros, EUR or USD and want the deposit in that currency.
- Savers who do not need daily access to the balance and value no standing charge.
Who should look elsewhere
- Anyone who needs instant access to their money, since the deposit is fixed term.
- People who convert currency often and want a tight exchange rate margin.
- First-time savers who want to start below BAM 1,000.
Fees and currency costs
The term savings account carries a monthly fee of BAM 0, so there is no standing charge for keeping it open. On transfers, the sender pays the transfer cost through Western Union and the recipient is paid the full amount with no fee deducted at the other end, which suits people sending money home who would rather not see the amount shrink on arrival.
How ASA Banka compares
9.4 vs 8.7
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9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9- 9.4 vs 8.9
9.4 vs 8.7
9.4 vs 8.5
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9.4 vs 8.5
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9.4 vs 8.1- 9.4 vs 8.1
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 9.1
Where ASA Banka is available
- Available
- Bosnia and Herzegovina
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does ASA Banka charge to keep the account?+
The term savings account has a monthly fee of BAM 0, so there is no standing charge for keeping the deposit open. That matters most on a fixed-rate product, where a monthly charge would otherwise eat into the return you locked in.
How much do I need to put in to open it?+
The minimum deposit is BAM 1,000, well above the €0.11 median across the site. It suits people with a lump sum already set aside rather than those who prefer adding to a deposit a little at a time.
Can I get at my money before the term ends?+
The account kind is fixed and the rate type is fixed, so the deposit is tied for its term rather than available on demand. There is an option of automatic prolongation on expiry, which suits savers content to let the placement roll instead of moving the cash.
Is my deposit protected?+
Deposits are insured under the Deposit Insurance Law. The institution behind the account is ASA Banka, headquartered in Bosnia and Herzegovina and trading since 1957, so the deposit sits with a long established local bank rather than a new entrant.
Which currencies can I hold my savings in?+
The currency list runs to 15 entries. Term savings can be placed in Comoros, EUR, USD or other listed currencies, which helps people who earn in a given currency and expect to spend in another without converting more often than necessary.
How do money transfers work and who pays the fee?+
Transfers run through Western Union, where the sender pays the transfer cost and the recipient is paid the full amount with no fee deducted. Delivery is within a few minutes (Western Union) and payout runs through cash pickup, so the person receiving the money collects it in person.
How do I get help if something goes wrong?+
Support runs on phone. No written or live chat channel is listed alongside it, so anyone who prefers to type will have to call instead. Phone suits people who can ring during banking hours, including those outside the country.
What does it cost to convert currency?+
The exchange rate margin runs 0% to 8.5%, so what you pay to convert depends on where in that range a given pair lands. Heavy exchangers should read the published list before converting larger amounts, since the margin is the part that quietly reduces what arrives.
Sources
- asabanka.ba checked September 26, 2026
Backs: Support channels
“Kontakt 080020070”
- asabanka.ba/kursna-lista-2 checked September 26, 2026
Backs: Currencies, Exchange rate markup
“Currency converter currencies: BAM, AUD, CAD, CZK, DKK, HUF, JPY, NOK, SEK, CHF, GBP, USD, RSD, TRY, EUR”
- asabanka.ba/o-nama checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
- asabanka.ba/stednja/oroceni-depoziti checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Monthly fee, Rate type
“Oročeni depoziti: Minimalan iznos: 1.000,00 KM (protuvrijednost u ostalim valutama)”
- asabanka.ba/western-union checked September 26, 2026
Backs: Delivery time, Payout methods, Transfer fee
“The money will be available for payout within a few minutes.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
ASA Banka
A fixed-rate term deposit for regional savers, held without a monthly charge.