Bosnia and Herzegovina
Money in Bosnia and Herzegovina: currency, ATMs, cards and tipping
Use the convertible mark (BAM, KM) for all purchases; carry enough cash for small shops and taxis, but cards work in hotels and larger restaurants. Tip around 10 % where service isn’t included.
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Key facts
- Currency
- Convertible mark (BAM, KM)
- Cash necessity
- 4 (high)
- Typical tipcheck
- ≈10 % of bill
Currency and payment methods
The official currency is the convertible mark (BAM, KM). ATMs are common in Sarajevo, Banja Luka and Mostar and dispense marks; foreign cards are accepted at most machines.
Credit and debit cards work in hotels, larger restaurants and supermarkets. Small bakeries, markets, taxis and guesthouses often prefer cash, so keep enough marks on hand.
Euros are sometimes accepted near the Croatian border at a rounded rate, but you’ll get a better price paying in marks. The mark is fixed to the euro (1 € = 1.95583 KM), so a quick conversion is 2 KM ≈ 1 €.
- Carry 20–30 KM for daily small purchases.
- Use cards for amounts over 50 KM in urban areas.
- Exchange marks before leaving; they are hard to obtain abroad.
Tipping
Tipping is not mandatory but appreciated. In restaurants, leave about 10 % of the bill if service isn’t already included.
In cafés, bars and for taxi rides, round up the total or add a few marks.
Guides and hotel staff generally expect a small tip (5–10 KM) for good service.
- Restaurant: ≈10 % of the net bill.
- Café/bar: round up to the nearest 5 KM.
- Taxi: add 5–10 KM or round up.
Questions people ask
What currency is used in Bosnia and Herzegovina?
The convertible mark (BAM, KM) is the official currency and is used everywhere.
Should I use cash or a card in Bosnia and Herzegovina?
Use cash for small shops, markets, taxis and guesthouses; cards are fine in hotels, larger restaurants and supermarkets.
How much should I tip in Bosnia and Herzegovina?
Tip about 10 % in restaurants if service isn’t included, round up in cafés and add a few marks for taxis or guides.
Can I use euros in Bosnia and Herzegovina?
Euros are sometimes accepted near the Croatian border at a rounded rate, but you’ll get a better price paying in marks.
Where can I exchange money in Bosnia and Herzegovina?
Exchange offices and banks in cities offer fair rates. ATMs dispense marks directly. Avoid exchanging on the street.
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