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Financial incentive for the installment purchase of energy-efficient products, without interest or fees
Improve your home’s energy efficiency with new windows, biomass heating systems and/or other energy-efficient products, and take advantage of the opportunity to receive a financial incentive.
All Visa debit cardholders with an approved installment payment limit, as well as American Express cardholders, are eligible to apply for this benefit when purchasing an energy-efficient product in installments, without interest and fees, at merchants with whom the Bank has established cooperation.
After completing the installment purchase and fulfilling all required conditions, you are entitled to a financial incentive of up to 20% of the installment purchase amount, which will be paid directly to your foreign currency account.
POS slip
POS slip confirming the completed transaction.
Invoice
Invoice* containing product/material details, including the model name and manufacturer, which must match the information listed in the “Technology Selector.”
*The invoice and fiscal receipt must include exclusively the products/materials and any additional eligible costs for which the incentive is being claimed. The same invoice and fiscal receipt must not include any additional products or devices that are not subject to the incentive.
Fiscal receipt
Fiscal receipt* as proof of payment, related to the respective invoice (the information must correspond to the invoice).
*The invoice and fiscal receipt must include exclusively the products/materials and any additional eligible costs for which the incentive is being claimed. The same invoice and fiscal receipt must not include any additional products or devices that are not subject to the incentive.
Certificate
Certificate of energy eligibility for the product/material, available at web site.
Photographs
Photographs showing that the product/material has been installed.
Additional information
The eligibility of products/materials is verified through the “Technology Selector,” which is a database of energy-efficient equipment, materials, and technological solutions available at: web site.
A Photo Guide with detailed instructions on the photographs required for the project verification process is available at the following link: GEFF Photo Guide – GEFF BiH.
Benefits of energy-efficient products:
Important
- The financial incentive will not be paid if the installments for the purchase of the energy-efficient product are repaid early before the completion of the project verification process.
- The verification process is considered completed only after the cardholder receives an official notification of completed verification from the GEFF team.
- The maximum total exposure with the Bank under financing from the GEFF credit line (for the purchase and installation of energy-efficient equipment, materials, products or systems listed in the GEFF Technology Selector), regardless of the number of projects, amounts to EUR 50,000.00.
- Applications for the financial incentive are available no later than 31 August 2026, in accordance with the program terms and conditions.
- EBRD will pay the financial incentive only if funds from the European Joint Fund for the Western Balkans are available for this purpose.
- Detailed terms and conditions for the payment of the financial incentive are available here.
- All other important and useful information about the program is available at the following link link.
Visa Inspire ans Visa Platinum Cards
How to become a cardholder
- To become a Visa Inspire or Visa Platinum cardholder, you simply need to open a current account with Intesa Sanpaolo Banka.
- You can open a current account at any Intesa Sanpaolo Banka branch. To do so, you need to provide a copy of your ID card and a CIPS residence certificate (not older than 6 months).
- To qualify for regular and additional overdraft (installment payment limit), we recommend directing your personal income to your current account with Intesa Sanpaolo Banka.
Find everything you need to know about the benefits and payment options with Visa Inspire and Visa Platinum cards of Intesa Sanpaolo Banka here.
Installment Payment Limit
Current Account Overdrafts
A special benefit of our current account is that we approve two types of overdraft:
- Regular overdraft up to BAM 10,000, even without the first inflow.
- Additional overdraft (installment payment limit), which can be used for:
- Purchases in up to 12 installments at selected points of sale in Bosnia and Herzegovina – without interest and fees;
- Cash withdrawals in up to 12 installments at POS devices in Bank branches and at the Bank’s ATMs – without interest, with a one-time fee;
- Splitting purchases in up to 12 installments via SMS (POS of another bank) in the country and abroad – without interest, with a one-time fee.
American Express Cards
How to become a cardholder?
Residents with permanent residence in Bosnia and Herzegovina and regular monthly income may apply for an Intesa Sanpaolo Banka American Express card. To become a cardholder, simply complete the application form below and submit it, together with the required documentation, to the nearest Bank branch.
What documentation is required?
- Copy of ID card.
- Residence certificate (CIPS) – not older than 6 months.
- Three last payroll sheets signed and stamped by authorized person of the company/for pensioners last pension slip.
- Original confirmation of employment signed and stamped by the authorized person of the company.
- Copy of registration certificate of the company for company owners/co-owners.
Find everything you need to know about the benefits and payment options with American Express cards of Intesa Sanpaolo Banka here.
Foreign Currency Account
How to open a foreign currency accou
You can open a foreign currency account at any Intesa Sanpaolo Banka branch. To open the account, you need to provide a copy of your ID card and a CIPS residence certificate (not older than 6 months).
Contact for Additional Information
For more information and details abo
- e-mail: stanovnistvo@intesasanpaolobanka.ba,
- toll-free info line: 080 020 307
- or visit the nearest Bank branch.
Credit Card Request
