Europe

Money, cards and tipping in Bosnia and Herzegovina

Capital: SarajevoBosnian, Croatian, SerbianUpdated October 2026

BAMMarka

Money in Bosnia and Herzegovina

Mixed: cards and cash Convertible mark (KM, BAM), pegged to the euro. Euros are often accepted at tourist spots with change in KM; cash still dominates outside cities. US$1 ≈ KM1.74 (03 Oct 2026).

Key facts

Tipping: Round up in cafés and taxis; about 10% in sit-down restaurants for good service.
ATMs: Plenty of ATMs in towns; some banks charge foreign cards a fee. Use bank ATMs and decline currency conversion.
Paying by phone: Apple Pay and Google Pay work on contactless terminals in cities; carry cash for markets, bakeries and villages.
Price level: about 40% of US prices (World Bank PPP).

Cash or card, by place

Place	Cards	Notes
Sarajevo	Mixed: cards and cash	Cards and contactless in cafés, hotels and supermarkets; keep cash for bakeries, markets, taxis and smaller guesthouses.
Mostar	Mixed: cards and cash	Cards accepted in most restaurants and hotels; cash for small cafés, markets, taxis and some guesthouses.
Banja Luka	Mixed: cards and cash	Cards work in restaurants, shops and hotels; carry cash for markets, small cafés, taxis and rafting trips.

Quick answers

Do you tip in Bosnia and Herzegovina?

Round up in cafés and taxis; about 10% in sit-down restaurants for good service.

Is Bosnia and Herzegovina cashless?

Mixed: cards and cash. Convertible mark (KM, BAM), pegged to the euro. Euros are often accepted at tourist spots with change in KM; cash still dominates outside cities.

What currency does Bosnia and Herzegovina use?

The Marka (BAM). US$1 ≈ KM1.74 (03 Oct 2026).

Sources

Compiled and reviewed by SoloSquare. How we compile and score this. Spotted something out of date? Tell us.