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Visa Inspire

Buying by instalment

Why you will like it

Current account overdraft

Regular and additional current account overdraft.

Paying in installments

Payment in installments in the country or abroad up to 12 installments

Cash withdrawal

Cash withdrawal with repayment in up to 12 installments.

Visa Inspire card

Treat yourself to more freedom and convenience with the Visa Inspire Debit Card

  • By opening a current account, you also become a Visa Inspire card user
  • Regular plus additional* current account overdraft
  • Purchase in up to 12 installments
  • Cash withdrawal with repayment in up to 12 installments
  • Contactless payment, without a PIN entry up to a certain amount
  • Cash withdrawal free of charge at over 10,000 ATMs of the Intesa Sanpaolo Group in the country and abroad

*For current account owners who already use a regular overdraft, the Bank can approve the use of an additional overdraft in the amount of a maximum of two thirds of the regular overdraft, which is used for installment purchases and cash withdrawals at POS devices in all branches and ATMs of the Bank in Bosnia and Herzegovina.

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Payment in installments - Shops

Here you can view the list of sales points that allow installment purchases free of charge and interest.
Manage your card anywhere
digitalno bankarstvo
Manage your card anywhere
Access the card and other services through your m-Intesa mobile application
Check your cards and list of transactions in the previous period
Manage your card 24/7 - Temporary blocking/unblocking of the card via internet, POS, ATM, in the country or abroad
View the account statement
Make cash withdrawals abroad - free of charge
Make cash withdrawals abroad - free of charge
  • You can withdraw cash free of charge with your Visa Inspire card at more than 10,000 ATMs of member banks of the Intesa Sanpaolo Group
List of the Group members
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Enjoy safe online shopping


Safety first! All payment cards of Intesa Sanpaolo Banka participate in the 3D Secure program. Implementation of the latest 3D Secure standard enables the highest level of security when shopping at an online point of sale supported by "Verified by VISA" for Visa card users. To confirm the transaction made at the online point of sale, you will receive a one-time code via SMS to the mobile phone number registered with the Bank.

Paying in installments

You can use your Visa Inspire card up to the maximum amount of the available additional authorised overdraft:

  • For purchases up to 12 installments at selected POS in Bosnia and Herzegovina - (Basic and/or additional user) - Free of charge/Interest. 
  • For withdrawing cash up to 12 installments at POS devices in branches and at our ATMs (Basic and/or additional user) - No interest.
  • To split purchases up to 12 installments via SMS (POS of another bank) in the country and abroad (Primary user) - No interest.
Share the amount of your purchase in installments via SMS

Criteria for spliting the transaction into installments via SMS:

  • The transaction should be made once at a POS terminal (at a merchant) in the country or abroad, (except for transactions at the POS terminal of Intesa Sanpaolo Banka, where it is already possible to pay in installments without interest or fees).
  • You need to have the available amount of a one-time transaction both on the current account and on the additional overdraft.
  • The amount of the transaction cannot be less than BAM 50,00, and greater than the available authorised additional overdraft.
  • The transaction can be divided into a minimum of 2 and a maximum of 12 installments.
  • Spliting the payment into installments is possible within a maximum of 2 hours from the moment of the transaction.
  • The fee for using this service is 5% of the transaction amount and is charged once from the current account.
  • Buying in installments via SMS is interest-free, with a one-month delay in paying the first installment.

How to divide into installments via

  • Make a purchase with a Visa card in the desired store without the need for additional negotiations with the merchant.
  • If the transaction meets the above criteria, you will receive an SMS message for the installments to the mobile phone number registered with the Bank.
  • If you want to divide purchases into installments, you need to respond to the message within a maximum of 2 hours from the moment of the transaction.
  • The installment purchase is completed upon receipt of an SMS message that the installment purchase was successfully completed.
  • With a successful installment purchase, your funds on the current account are increased by the transaction that you divided into installments, and an additional overdraft is debited.
  • If you do not respond to the SMS message, your transaction will not be divided into installments.
How to get a Visa Inspire card?

How to get a Visa Inspire card?

All you need to do to become a user of the Visa Inspire card is to open a current account in Intesa Sanpaolo Banka. To be in entitled to a regular and additional overdraft, we recommend that you route your personal income to the current account with Intesa Sanpaolo Banka.

For more information, please contact:

For more information, please contact: