UniCredit Bank BiH review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
UniCredit Bank BiH suits everyday banking in Bosnia and Herzegovina, where customers get counter, mobile and internet banking, local account details for incoming payments and a monthly fee of BAM 5.99. The tradeoff is currency breadth, with 13 currencies listed, and savings locked into a fixed term.
Key facts
- Best for
- Everyday banking in Bosnia and Herzegovina with local account details, a branch and a modest monthly fee.
- Monthly fee
- BAM 5.99↗
- Currencies
- 13↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- BAM 0↗
- Transfer fee
- 0 BAM for 7 payment transactions per month, each up to BAM 100 (Basic account)↗
- Legal entity
- UniCredit Bank d.d.↗
- Headquarters
- Bosnia and Herzegovina↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Audience
- Students, Teens, Business
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- unicredit.ba
Savings
Money transfer
- Delivery time
- Same day internal (by 20:00, Sat 15:00); cross-border T+0/T+1/T+2↗
- Payout methods
- Bank, Cash-pickup, Card↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Elsewhere
- LinkedInyoutube.com
Pros and cons
Pros
- Local account details include iban, which suits people paid in by local customers.
- Access covers Counter, mobile banking (m-ba) and internet banking (e-ba), so a branch and the apps sit under one roof.
- Support runs through phone, email and chat for questions beyond the app.
- Internal payments land the same day, and payouts can go to an account, cash pickup or a card under bank, cash pickup and card.
Cons
- A monthly fee of BAM 5.99 applies, where PayPal Colombia, Plazo ES and Skrill list $0, €0 and €0.
- Currency coverage of 13 sits at 82 out of 379 brands on the site's currency ranking, so frequent swapping is not the strong suit.
- The savings account kind is fixed, so a deposit is committed for its term rather than kept on easy access.
Who it suits
- People in Bosnia and Herzegovina who want a branch, mobile and internet banking in one place.
- Students and younger account holders, since the listed audiences are student, teen and business.
- Business customers who bill locally and need payouts to an account, cash pickup or a card under bank, cash pickup and card.
Who should look elsewhere
- Anyone who wants to pay nothing each month, since PayPal Colombia, Plazo ES and Skrill list $0, €0 and €0.
- People who hold many currencies, since 13 leaves the bank at 82 out of 379 on the site's ranking; Skrill or Plazo ES may suit them better.
Rates and terms
The savings side pays a fixed rate, so the return is set when the deposit opens and holds to the end rather than tracking market rates. The term can run 1 to 36, which lets the money sit for a short stretch or a longer commitment. Readers who may need the balance early should weigh a fixed product against easy access savings before they commit.
How UniCredit Bank BiH compares
Skrill's monthly fee is €0, another no monthly fee option set against BAM 5.99 on the bank account.
Where UniCredit Bank BiH is available
- Available
- Bosnia and Herzegovina
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an account?+
The account packages carry a monthly fee of BAM 5.99. Cash machine withdrawals are listed as free atm, and a set number of small payment transactions each month cost nothing on the Basic account. PayPal Colombia, Plazo ES and Skrill list monthly fees of $0, €0 and €0, so keeping a balance here costs more.
Are there charges on making payments?+
Payments out are not charged on a set number of small transactions each month on the Basic account, and internal transfers land the same day when the cutoff is met. Cross border transfers follow a settlement timetable rather than moving at once. The account is operated by UniCredit Bank d.d..
How many currencies can I hold?+
The bank lists 13 currencies, placing it at 82 out of 379 brands in the site's currency ranking. That is workable for local spending and regional trade. Anyone holding a long list of currencies at once will find the coverage narrow.
How do I reach the bank and my money?+
Access runs through Counter, mobile banking (m-ba) and internet banking (e-ba). Support goes to phone, email and chat, so phone, email, chat and a help centre are listed. Payouts can go to a bank account, a cash pickup or a card, per bank, cash pickup and card.
What savings account is on offer?+
The savings account kind is fixed, so money placed there is committed to a set period rather than kept on easy access. It pays a fixed rate, and the term can run 1 to 36. A fixed rate means the return is set when the deposit opens and holds to the end.
Who is the bank built for?+
The listed audiences are student, teen and business, so students, younger account holders and business customers sit at the centre. Counter service runs alongside mobile and internet banking, and the operating entity is UniCredit Bank d.d..
Will I get local account details for incoming payments?+
Local account details include iban, so customers and clients can be billed in a familiar local format. That matters for business customers who invoice locally and expect the payer to use standard details. Support on phone, email and chat can confirm what a specific account setup comes with.
Sources
- unicredit.ba/ba/banka/impressum.html checked September 26, 2026
Backs: Headquarters, Legal entity
“UniCredit Bank d.d. Kardinala Stepinca b.b, 88 000 Mostar”
- unicredit.ba/ba/stanovnistvo.html checked September 26, 2026
Backs: Audience, Support channels
“Paket za Dz! Osjeti slobodu sa paket racunom za studente ... Student kartica ... Racuni za mlade ... UniCredit za BiH - Ponuda za male poduzetnike”
- unicredit.ba/ba/stanovnistvo/proizvodi_i_usluge/paketi.html checked September 26, 2026
Backs: Free ATM withdrawals, Features, Monthly fee
“Standard - Paket racun 5,99 KM mjesecno”
- unicredit.ba/ba/stanovnistvo/proizvodi_i_usluge/racuni.html checked September 26, 2026
Backs: Local account details, Transfer fee
- unicredit.ba/ba/stanovnistvo/tecajna_lista.html checked September 26, 2026
Backs: Currencies
“Valuta filter: EUR AUD CAD CHF CZK DKK GBP HUF JPY NOK RSD SEK USD”
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/proi... checked September 26, 2026
Backs: Pricing model
“Student - Standard package account 0,00 BAM Monthly”
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/proi... checked September 26, 2026
Backs: Access terms
“You can dispose of the funds from the savings account at the Bank's counter, or quickly and easily through the Bank's electronic services (mobile banking (m-ba) and internet banking (e-ba))”
- unicredit.ba/content/cee2020-pws-bh1/en/stanovnistvo/sted... checked September 26, 2026
Backs: Account kind, Rate type, Term
“TERM DEPOSITS Saving with interest payment: after the expiry of the term, periodically”
- unicredit.ba/ba/stanovnistvo/proizvodi_i_usluge/ostale_us... checked September 26, 2026
Backs: Delivery time, Payout methods
“Orders between accounts within the Bank sent on a working day by 20:00 (Saturday by 15:00) are executed the same day; cross-border payments T+0, T+1 or T+2”
Compiled from 9 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
Guides
UniCredit Bank BiH
Everyday banking in Bosnia and Herzegovina with local account details, a branch and a modest monthly fee.