Bosnia and Herzegovina is still predominantly a cash economy. Although the use of credit cards has become widespread in recent years, travelers still should not expect to use them to cover all expenses. Automated Teller Machines (ATMs) are available in sufficient numbers at international banks in Sarajevo and other major cities and towns. Traveler’s checks can be cashed in every bank immediately, without delays; bank feesfor these transactions are usually 2%. Cash transfers from abroad may involve delays, but Western Union transfers are available in many banks and post offices throughout the country. The convertible mark (KM), the national currency, is pegged to the euro at a fixed rate under a currency-board regime, which guarantees its stability. All official payments must be made in convertible marks. Any bank in Bosnia and Herzegovina should be able to exchange U.S. dollars into convertible marks with the usual bank commission (between one and two percent).
During the winter months, flights into and out of Sarajevo are frequently delayed or canceled due to heavy fog. Travelers should be prepared for last-minute schedule changes, lengthy delays, alternate routings, or time-consuming overland transportation.