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Raiffeisen Bank BH digital banking review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Raiffeisen Bank BH digital banking is a debit account with a visa card, built for people in Bosnia and Herzegovina who want everyday banking at no running cost. The EKONOMIK package carries a monthly fee of BAM 0, the same reading as £0 and $0.

Key facts

Best for
A no monthly charge bank account with a visa card for daily spending in Bosnia and Herzegovina.
Monthly fee
BAM 0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Raiffeisen BANK d.d. Bosna i Hercegovina (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Features
Travel
Official website
raiffeisenbank.ba

Credit cards

Legal entity
Raiffeisen BANK d.d. Bosna i Hercegovina (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1992 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Features
Travel

Pros and cons

Pros

  • The EKONOMIK account package has a monthly fee of BAM 0, so holding the account and the card costs nothing.
  • The card runs on visa, which 58.6% of the cards compared on the site also use.
  • Support runs on email, chat and phone, so a card or fee question can go by phone, chat or email.

Cons

  • The bank is based in Bosnia and Herzegovina, so this is a single market account rather than one built for holding several currency balances.
  • Support runs on email, chat and phone only, with no in person channel listed.
  • The feature list shows travel only, so no multi-currency or virtual card option is listed for the account.
Raiffeisen Bank BH digital banking

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Scored 9.5 / 10 by DebitCue.

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Who it suits

  • People in Bosnia and Herzegovina who want a plain debit card for everyday spending and trips.
  • Customers who keep money in a bank account and want a visa card at no monthly charge.
  • Anyone who is happy to run support through email, chat and phone rather than a branch.

Who should look elsewhere

  • Travellers who hold several currency balances: this account lists travel as its feature, so Wise is the one to weigh for multi-currency holding.
  • Customers who want credit rather than a debit bank card: Chime Card (Secured Visa Credit Card), with a monthly fee of $0, is the credit comparison here.
  • Anyone after a secured credit card: Varo Believe Secured Credit Card, at a monthly fee of $0, is the other credit option beside this debit card.

Who runs it

The provider is Raiffeisen BANK d.d. Bosna i Hercegovina, a bank based in Bosnia and Herzegovina and trading since 1992. The account and its card sit with that same legal entity, so contract terms and card terms come from the same place. Customer questions are handled by email, chat and phone, which covers phone and written contact for anyone raising a balance or fee query.

How Raiffeisen Bank BH digital banking compares

Where Raiffeisen Bank BH digital banking is available

Available
Bosnia and Herzegovina

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the monthly fee?+

The EKONOMIK account package charges a monthly fee of BAM 0, so holding the account costs nothing. Debit accounts compared on the site go as high as €99 a month, which puts this one at the free end. The fee quoted here applies to that package, so other packages from the same bank are worth checking.

Is this a debit or a credit card?+

It is a debit card, so spending runs against the balance in the account. Debit is the most common type among the cards compared here, at 74.3%, with prepaid at 20.4% and virtual at 5.3% making up the rest.

Which network does the card use?+

The card sits on visa, so it works wherever that network is accepted. Across the site, 58.6% of the cards compared run on that same network, making it the most used scheme in the group. Acceptance comes from the network rather than from the bank running the account.

How do I reach the bank for help?+

Support runs on email, chat and phone, so a card, balance or fee question can go by phone, chat or email. Among the debit accounts compared, phone is the most used channel at 68.6%, with email at 50.9%. No branch channel is listed.

Who is behind the account?+

The provider is Raiffeisen BANK d.d. Bosna i Hercegovina, a bank based in Bosnia and Herzegovina that has traded since 1992. The account, the card and the support all sit with that one legal entity, so a complaint or a fee query goes to the same bank that holds the money.

Is it set up for travel?+

The listing marks the account for travel use, and 90.7% of the travel entries on the site carry that same label, so it is a common fit in that group. Multi-currency accounts cover 34.9% of the site, and a travel label says nothing about what currency conversion costs.

How does the cost compare with the alternatives?+

Its monthly fee is BAM 0, next to £0 at Wise, $0 at Varo Believe Secured Credit Card and $0 at Chime Card. On running cost the accounts sit level, so the decision turns on card type and market rather than on the fee.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Raiffeisen Bank BH digital banking

Raiffeisen Bank BH digital banking

A no monthly charge bank account with a visa card for daily spending in Bosnia and Herzegovina.

9.5/10See alternatives