ATOS BANK a.d. Banja Luka has joined the Instant Payment System of Bosnia and Herzegovina 8/17/2026 Tweet ATOS BANK a.d. Banja Luka has joined the Instant Payment System of Bosnia and Herzegovina - IPS BiH, which further expands the network of banks that provide their clients with instant payments. Now there is a total of five banks in the IPS BiH system. ATOS BANK a.d. joined the network. Banja Luka, which is now part of the system together with Intesa Sanpaolo Banka d.d. BiH, Raiffeisen Bank d.d. BiH, Sparkasse Bank d.d. BiH, Nova Banka AD Banja Luka. "For us, digital transformation means the development of solutions that bring real value to clients and make everyday life easier. By introducing instant payments, we have made it possible for money to be available almost immediately, regardless of the time of the transaction. This further improves the user experience and confirms our commitment to the development of modern digital services that meet the needs of a modern lifestyle." said on this occasion Igor Jovičić, President of the Board of ATOS BANK a.d. Banja Luka. Instant payments mean money transfer within 10 seconds, 24 hours a day, 7 days a week, 365 days a year - safe, fast and simple