Bosnia and Herzegovina: bank deposit protection rises to 100,000 marks from 1 November 2026

From 1 November 2026, bank deposits in Bosnia and Herzegovina are insured up to 100,000 convertible marks per depositor per bank, up from 70,000 marks, under a decision by the Deposit Insurance Agency of Bosnia and Herzegovina published in the Official Gazette of Bosnia and Herzegovina, issue 75/26.

TL;DR: From 1 November 2026, deposits in banks in Bosnia and Herzegovina are insured up to 100,000 convertible marks per depositor per bank, up from 70,000 marks. The limit is counted across all of a person's accounts at one bank, including accrued interest, and is reduced by any debt owed to that bank.

What changes on 1 November

The insured amount rises by 30,000 marks, and it applies to anyone who keeps savings in a bank operating in Bosnia and Herzegovina, including in Republika Srpska. At the fixed rate of 1.95583 marks to the euro, the new limit is worth about 51,100 euros, against about 35,800 euros for the old 70,000 marks, as calculated by Srpske.

Four years ago the limit moved the same way: the previous increase, from 50,000 to 70,000 marks, took effect on 1 November 2022, under a decision published in the Official Gazette, issue 70/22.

How the limit is counted

The limit is per depositor per bank, not per account, and that distinction decides whether a saver is fully covered. A person with 90,000 marks in one bank is covered in full, while a person with 120,000 marks in the same bank is covered for 100,000 marks at most, with the amount above the limit carrying no guarantee. Spreading money across several accounts at the same bank does not raise the cover, since all of a depositor's accounts at that bank are added together, whereas accounts at different banks are insured separately, each up to 100,000 marks.

What counts toward the limit includes accrued interest, and the total is reduced by any debt the depositor owes to that bank. Deposits in foreign currencies are converted into marks at the Central Bank of Bosnia and Herzegovina exchange rate on the day the bank's licence is revoked, the event that triggers a reimbursement, and the Agency reimburses up to the limit when a bank's operating licence is revoked.

What stays the same

What banks pay for the scheme does not change in this decision: the premium rate for 2027 stays at 0.26 percent a year, the same rate as in 2026.