Bosna Bank International review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Bosna Bank International is a Sarajevo bank that suits people chasing fixed rates and an origination fee of 0 BAM on property purchase and remortgage. Personal, secured, car, business and cash advance lending all sit under one roof, with loan sizes of BAM 500 to BAM 500,000.

Key facts

Best for
Fixed rate loans with an origination fee of 0 BAM on property lending.
Loan amount
BAM 500 to BAM 500,000 (Source, checked September 26, 2026)
Term
up to 360 months (Source, checked September 26, 2026)
Arrangement fee
0 BAM (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
ID card and CIPS certificate of residence required; three last payslips or current account statements (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Business, Cash-advance (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Bosna Bank International d.d. Sarajevo (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
bbi.ba

Mortgages

Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
BAM 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Bosna Bank International d.d. Sarajevo (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInyoutube.com

Pros and cons

Pros

  • Fixed pricing across the range, with a rate type of fixed and a model of fixed rate.
  • An origination fee of 0 BAM and a product fee of BAM 0 on residential financing.
  • Support runs on email, phone and help centre.
  • Loan to value goes to 100% on property lending.

Cons

  • Every product is fixed rate, so a fixed rate book rules out a variable rate deal.
  • Repayment terms of up to 360 sit below the site maximum of 480.
  • Eligibility asks for an ID card, a CIPS certificate of residence and recent payslips or current account statements.
Bosna Bank International

Ready to try Bosna Bank International?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • People buying, building or remortgaging property who want a fixed rate and a set monthly payment.
  • Borrowers who want property lending with an origination fee of 0 BAM.
  • Anyone who needs a personal, secured, car, business or cash advance loan without approaching several lenders.

Who should look elsewhere

  • Monzo Flex, whose amounts of £10,000 to £35,000 sit in a different currency, if you want a loan outside the BAM market.
  • Cashspace ES, whose amounts of €100 to €5,000 are far smaller than the BAM 500 to BAM 500,000 range, if your borrowing need is modest.

The company behind it

Bosna Bank International d.d. Sarajevo is the legal entity behind these loans, based in Bosnia and Herzegovina and established in 2000. Support runs on email, phone and help centre, so a question can go to the bank by phone, by email or through the help centre, and those same routes cover borrowers who are still comparing products.

How Bosna Bank International compares

Where Bosna Bank International is available

Available
Bosnia and Herzegovina

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

Frequently asked questions

What kinds of loans does Bosna Bank International offer?+

The book covers personal, secured, car, business and cash advance lending, so most everyday borrowing needs sit with one bank rather than a broker. The full set of loan types is personal, secured and car, and each product can carry its own term and security.

How much can I borrow?+

Loan sizes are BAM 500 to BAM 500,000, so the range stretches from a modest personal loan to a large property purchase. The spread matters more than the headline figure: what you can actually receive depends on the product and the security behind it.

What fees does it charge?+

Residential financing carries an origination fee of 0 BAM and a product fee of BAM 0, so the entry cost on a property loan is nil. Personal, secured, car, business and cash advance lending sits in the same range, and a written quote is the quickest way to see what else applies.

Is the rate fixed or variable?+

Everything here is fixed rate. The rate type is fixed and the model is fixed rate, which means your payment is set when the loan starts and does not drift with a base rate. The trade-off is giving up the chance of paying less if market rates fall.

How long have I got to repay?+

Repayment terms run to up to 360 on residential lending, and the fixed rate period on the property product is 10. A shorter term means a higher monthly payment and less interest overall, while a longer term eases the monthly cost and costs more across the life of the loan.

What documents do I need to qualify?+

Eligibility for cash payment without a mortgage asks for an ID card and a CIPS certificate of residence, plus recent payslips or current account statements. Having those ready means the bank can assess income without pledging a property, which suits a straightforward personal loan.

Can I borrow against my home?+

The listed purposes are purchase and remortgage, and home improvement is included in the use cases, so the property products cover buying, switching and building work. Loan to value goes to 100%, above the site median of 90%, so more of the property value can support the loan.

How do I reach the bank with a question?+

Support runs on email, phone and help centre, so you can phone, email or work through the help centre. That is useful before applying, to confirm what a product allows, and during a loan if a payment date needs to move. Ask for the rate in writing before you commit.

Sources

  • bbi.ba/en checked September 26, 2026

    Backs: Loan amount, Loan types

    “Amount must be between 500 and 500,000 KM”

  • bbi.ba/en/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type, Pricing model

    “the first bank in Bosnia and Herzegovina and the region that operates in accordance with Islamic financial principles since its foundation in 2000”

  • bbi.ba/en/cash-payment-without-mortgage checked September 26, 2026

    Backs: Eligibility, Rate type

    “Photocopy of LK for the main debtor/co-debtor; Photocopy of the CIPS certificate of residence for the debtor/co-debtor”

  • bbi.ba/en/financing/residential-financing/purchase-constr... checked September 26, 2026

    Backs: Arrangement fee, Term, Use cases

    “BBI housing financing: No processing fee”

  • bbi.ba/en/support/information checked September 26, 2026

    Backs: Support channels

    “Contact center 080 020 020, info.bbi@bbi.za”

  • bbi.ba/finansiranja/isplata-gotovine/hipotekarno-finansir... checked September 26, 2026

    Backs: Fixed period

    “BBI Hipotekarno finansiranje: a fixed profit margin can be contracted for a repayment term of up to 120 months”

  • bbi.ba/finansiranja/stambena-finansiranja/kupovina-izgrad... checked September 26, 2026

    Backs: Maximum loan to value, Product fee, Purpose

    “BBI residential financing (purchase/construction of real estate): collateral - mortgage 1:1, i.e. the appraised property value equals the financing amount”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Funding time, Representative example.

Bosna Bank International

Bosna Bank International

Fixed rate loans with an origination fee of 0 BAM on property lending.

9.2/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings