ZiraatBank BH review

The published monthly charge is BAM 2.69 for the debit card. It is a standing cost, not something you pay at sign up, and it sits above the €0 most cards in this comparison carry, so the card only earns its cost if you use it often.

The account is listed as a debit card, which means spending comes out of the money in the account rather than on a borrowing arrangement. ZiraatBank BH also publishes details for credit cards, so both kinds run through the same lender.

ZiraatBank BH charges BAM 2.69 a month, while Varo Believe Secured Credit Card charges $0, Wise charges £0 and Chime Card (Secured Visa Credit Card) charges $0. If you only need somewhere to keep a card, the others cost less.

It fits people in Bosnia and Herzegovina who want a debit card for everyday spending and would rather bank with a lender than hold a standalone card account. The BAM 2.69 monthly charge is the price for that, and it suits customers who will use the card rather than keep it as a backup.

Spending abroad on this debit card should be weighed against the 1% median conversion fee across the site. Cards built with no foreign fee sit at a 0% median, so a customer who regularly pays in other currencies will find a specialist account cheaper.

Cash withdrawals are worth checking first. Across the site, free allowances reach €118.23 a month, and cards in the debit ranking sit at €177.93 or less. On a debit card costing BAM 2.69 a month, confirm the allowance before you rely on cash.

The card is a debit product, so approval leans on the account itself rather than on a credit check in the way credit cards do. That makes it reachable for customers with a thin credit history, and it keeps the BAM 2.69 monthly charge as the only stated cost.