LOVA review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
LOVA replaces the branch based current account with a domestic digital wallet run entirely from a mobile phone. It handles bill payments, parking, transfers and other everyday balances for people who manage household finances from home and on the move.
Key facts
- Best for
- Daily mobile money management without counters
- Monthly fee
- BAM 0↗
- Transfer fee
- 0.8% per money transfer, paid by the sender↗
- Legal entity
- Digital Money Transfer d.o.o. Banja Luka↗
- Headquarters
- Bosnia and Herzegovina↗
- Founded
- 2021↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Travelers, Business
- Pricing model
- No monthly fee
- Features
- Digital-only
- Official website
- lova.ba
Money transfer
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- LinkedInyoutube.com
Pros and cons
Pros
- Handles utility bills for electricity, water, heating, phone, internet and television.
- Supports parking payments, gift cards, top ups, eSIMs, vignettes and crypto activity.
- Lets businesses accept QR payments and receive funds directly for daily sales.
- Moves money between friends, family, product sales and online balances in one wallet.
Cons
- Operates only as a mobile wallet without physical branches or counters.
- Focuses on domestic needs, including local parking and household bills.
Who it suits
- People who handle household bills and parking from home
- Frequent travellers who send money across distances
- Small sellers who accept QR payments from customers
Who should look elsewhere
- People who prefer in person service at counters
How LOVA compares
Where LOVA is available
- Available
- Austria, Bosnia and Herzegovina, Bulgaria, Croatia, Czechia, Denmark, France, Germany, Italy, Montenegro, Netherlands, North Macedonia, Serbia, Slovenia, Sweden, Switzerland
- Licence in Bosnia and Herzegovina
- Agencija za bankarstvo Republike Srpske (ABRS), 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 sends, receives and holds everyday balances through a mobile phone. It works without branch visits or counter queues and keeps daily payments under clear control. Balances stay in the wallet until moved or spent.
What everyday payments does it cover?+
LOVA covers household bills for electricity, water, heating, phone, internet and television alongside parking and service payments. It also holds gift cards, top ups, eSIMs, vignettes and crypto activity in the same wallet. Receipts from family, product sales and online balances arrive in one place.
Who is LOVA intended for?+
LOVA is intended for everyone, with particular value for people who manage daily life from home. It serves frequent movers who pay abroad or send money over long distances. It also serves sellers who accept mobile payments for products or services.
How does money move in and out?+
Funds enter from a linked bank account or card, through gift cards or through cash deposit points. They leave by transfer to a bank account or by cash collection at partner points and cash machines. Balances remain available in the wallet for spending and transfers.
Does LOVA charge a monthly fee?+
The monthly fee at LOVA is BAM 0. (Source, checked September 26, 2026)
Which company operates LOVA?+
LOVA is operated by Digital Money Transfer d.o.o. Banja Luka. (Source, checked September 26, 2026)
Where is LOVA based?+
LOVA is based in Bosnia and Herzegovina. (Source, checked September 26, 2026)
When was LOVA founded?+
LOVA was founded in 2021. (Source, checked September 26, 2026)
How can I contact LOVA support?+
LOVA offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- abrs.ba/dien-dmt checked September 26, 2026
Backs: Licences
- lova.ba checked September 26, 2026
Backs: Audience
“Who is Lova for? Everyone, and especially those who... travel often ... sell goods or services”
- lova.ba/faq checked September 26, 2026
Backs: Pricing model, Monthly fee, Support channels
“Registration and opening a Lova account are completely free - with no account maintenance fee.”
- lova.ba/korisnici---slanje-novca checked September 26, 2026
Backs: Delivery time, Payout methods
“Instant transferi 24/7 - Novac stiže primaocu odmah, bez čekanja, vikenda ili radnog vremena (money reaches the recipient immediately, no waiting)”
- lova.ba/o-nama checked September 26, 2026
Backs: Features, Founded, Headquarters, Legal entity
“Lova is the first domestic digital wallet - simple, fast and secure. It is a free mobile app available on Android and iOS devices.”
- lova.ba/provizije checked September 26, 2026
Backs: Transfer fee
“0.8% Sending money - the fee paid by the sender of the money.”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.