Fintech & digital payments rules in Bosnia & Herzegovina (2026)

Republika Srpska published its Law on Electronic Money in Official Gazette RS No. 1/24 (5 January 2024); it entered into force in July 2024. It defines EMIs, sets minimum capital and safeguarding requirements, and vests ABRS with authority to license, supervise, and revoke EMI permits. At least two EMIs have been licensed under it as of early 2025.

The Federation of Bosnia and Herzegovina has no dedicated payment services or e-money law as of mid-2026. The FBA supervises banks under the general banking law but lacks a fintech-specific licensing framework. A Federation FinTech Bill was proposed for Q4 2025 but had not been enacted as of the 1H 2025 legal update.

The CBBH operates two systemically important interbank payment systems: giro clearing (transactions ≤ BAM 10,000) and RTGS (transactions > BAM 10,000). In March 2025 the CBBH was recognised for completing a regulatory alignment framework with EU standards as part of SEPA accession preparations.

In January 2025 the ECB announced that Bosnia and Herzegovina, Albania, Kosovo, and Montenegro would participate in a TIPS-model instant payment platform for the Western Balkans, with settlement in each country's own currency and a target go-live of mid-2026.

Neither entity has enacted PSD2-equivalent open banking legislation. There is no mandatory account-access or API-sharing regime for payment services in either the Federation of BiH or Republika Srpska as of mid-2026.

In 1H 2025 both the FBA and ABRS enacted parallel regulations on information-system management in banks, closely mirroring the EU Digital Operational Resilience Act (DORA). These apply to licensed banks, not to standalone payment or e-money institutions.