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NLB Bank ATM fee 15 BAM in Bosnia and Herzegovina

NLB Bank ATM fee for foreign cards is 15 BAM (foreign cards). Limit 400 BAM per withdrawal. DCC: Decline conversion and choose BAM. Source date: 2026-03-16.

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ATM fee — Decision card
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NLB Bank

NLB Bank ATM fee for foreign cards is 15 BAM (foreign cards). Limit 400 BAM per withdrawal. DCC: Decline conversion and choose BAM. Source date: 2026-03-16.

Estimated fee

15 Bosnia-Herzegovina Convertible Mark (BAM) (foreign cards)

Decision facts

Refuse DCC
Decline conversion and choose BAM
Official source date
2026-03-16
Decline conversion and choose BAM. On the ATM screen, choose "Without conversion".
Calculate with this ATM

Source: ba-nlb (Official check) · Last checked 2026-03-16

Fees, withdrawal limit, and networks

ATM fee
15 BAM (foreign cards)
15.00 BAM does not apply to cards issued by NLB Group banks. DCC on a cash withdrawal at an NLB ATM is 10% for cards issued outside Bosnia and Herzegovina, except NLB Group cards.
Withdrawal limit
400 BAM per withdrawal
Supported networks
Visa / Mastercard

Official answers

What does an NLB ATM charge a card issued by a bank abroad?
NLB Banka d.d. Sarajevo's fee tariff, in force from 16 March 2026, item 12.20, lists a cash withdrawal at the bank's ATMs for cards issued by banks abroad, except cards from NLB Group banks, as 15.00 KM. The line is marked variable. The card issuer's own fee is separate. NLB fee tariff (from 16 March 2026)
What does NLB charge for DCC on that withdrawal?
Item 12.21 of the same tariff lists DCC on a cash withdrawal at the bank's ATMs for cards issued outside Bosnia and Herzegovina, except NLB Group cards, as 10%. NLB fee tariff (from 16 March 2026)

DCC check

local currency (BAM) may save $0.02

Choose this on the ATM

  • “Decline Conversion”
  • “Continue Without Conversion”

At ATMs in Bosnia and Herzegovina, choosing the local currency (BAM) usually helps you avoid DCC.

Full DCC guide

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Verified by: akifumi (ATM fee researcher and verifier)