Agencija za Bankarstvo Republike Srpske

PRESS RELEASE Notification on adoption of a new set of by-laws regarding banking service charges

15.08.2022. yr.

Date: 15 August, 2022




Banking Agency of Republika Srpska adopted a new set of By-laws defining banks’ obligation to notify clients on fees charged


The Management Board of the Banking Agency of Republika Srpska, adhering to and applying new laws proposed by the Government of Republika Srpska and Ministry of Finance of Republika Srpska, adopted by the National Assembly of Republika Srpska, i.e. the Law on interbanking charges for payment transactions based on payment cards ("Official Gazette of Republika Srpska", number 38/22), as well as the Law on internal payment transactions ("Official Gazette of Republika Srpska", number 2/12, 92/12, 58/19 and 38/22) on 28 July, 2022 adopted the following set of by-laws issued in the Official Gazette of Republika Srpska No.: 74/22:

  • Decision on content, deadlines and method of delivering data on inter-banking charges;
  • Decision on determining the list of most representative services regarding payment account;
  • Decision on determining the content of informative overview of services and charges regarding payment account;
  • Decision on determining the form and content of report on service charges regarding payment account.

These Decisions shall be applied to banks with headquarters in Republika Srpska and organizational

units of banks with headquarters in the Federation of Bosnia and Herzegovina and Brčko District of

Bosnia and Herzegovina that operate in Republika Srpska.

By adopting the said Decisions, the Banking Agency of Republika Srpska stipulated an obligation for banks to include in the report on service charges regarding payment account all the fees they charged the user for all the services they provided to that user, and that report also contains data on all interest that was collected by the bank from the user, as well as all the interest earned by the user.

One of the Decisions also stipulates the obligation of the bank to deliver to the user, free of charge, or otherwise make available, a report on all service charges regarding payment account, in the agreed manner, at least once a year.

Furthermore, the Decision defines that, in case of termination of the payment account, the bank is obliged, after the termination of that account, to deliver to the user without delay a report on the services charged regarding that payment account, for the period up to the date of its termination, and no later than of 30 days from the date of termination of that payment account.

Once again, we remind clients of banks in Republika Srpska that the Banking Agency of Republika Srpska publishes the report "Fees and commissions for retail services" on its website (in the section "For users of financial services"), which shows the representative prices of banking services of all banks in Republika Srpska, thereby enabling users of financial services to compare and decide on them.

In this regard, we invite all bank clients to visit the official website of the Banking Agency of Republika Srpska before making a decision on opening a payment account in some of the banks in Republika Srpska, and in that way get more detailed information about the amount of fees that banks charge for services provided.


Banking Agency of Republika Srpska.