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Local bank transfer on BCX

Our rating
3.4
Offered in
1 country
Type
Domestic bank rail
Rail reviewed
2026-08-18
Review updated
2026-09-06

Yes. BCX takes Local bank transfer in Bosnia and Herzegovina. Instant rails settle in seconds, and the ECB requires euro instant credit transfers to reach the payee within ten seconds, 24 hours a day, 365 days a year, while older batch transfers still take one or two business days. Of the 2 rails on our record for BCX, it is the one offered in the most countries.

What Local bank transfer is

A local bank transfer moves money between two accounts inside a single country's own payment system, with no correspondent bank and no currency conversion. The scheme is national and different everywhere: SEPA credit transfers and SEPA Instant in the euro area, FedNow and ACH in the United States, Pix in Brazil. The BIS counts fast payment systems live in more than 100 jurisdictions, and the FedNow Service, operated by the Federal Reserve since July 2023, runs a 24 hour business day every day including weekends and holidays. For someone funding an exchange in their own currency this is normally the cheapest option.

Speed
Instant rails settle in seconds, and the ECB requires euro instant credit transfers to reach the payee within ten seconds, 24 hours a day, 365 days a year, while older batch transfers still take one or two business days.
Cost of the rail
Domestic transfers are free or close to free for consumers in most countries, and in the euro area the Instant Payments Regulation forbids charging more for an instant credit transfer than for a standard one.
Limits
The scheme ceiling is usually far higher than what you can actually send, because your own bank applies its own lower per transfer and daily limits on top of it.

Every exchange that takes Local bank transfer

Where BCX offers Local bank transfer

Each country opens the BCX page for that market, with its rank there and every rail it takes. The number is BCX's rank in that country's guide.

Europe (1)

Named locally as Bank transfer (KM).

What Local bank transfer costs on BCX

KM bank transfer deposits are free with a 10 KM minimum. Euro SWIFT deposits cost 0.30 percent, with a 40 KM minimum and a 3,000 KM maximum fee.

Country notes from our guides for this rail on BCX. Each links the page explaining Local bank transfer in that country.

Bosnia and Herzegovina
Bank transfer (KM): free, 10 KM minimum (fee table, 2026)

Other ways to pay on BCX

1 other rail at least one country we rank BCX in uses, widest reach first.

Frequently asked questions

Does BCX accept Local bank transfer?

Yes, in Bosnia and Herzegovina. Of the 2 rails on our record for BCX, it is the one offered in the most countries. Support is decided market by market, so the country pages linked here are the exact list.

In which countries can I use Local bank transfer on BCX?

Bosnia and Herzegovina, from our country guides reviewed between 2026-09-06 and 2026-09-06. Locally it appears as Bank transfer (KM).

How long does a Local bank transfer deposit take on BCX?

Instant rails settle in seconds, and the ECB requires euro instant credit transfers to reach the payee within ten seconds, 24 hours a day, 365 days a year, while older batch transfers still take one or two business days. That describes the rail itself; BCX may hold a first deposit for longer while it verifies your account.

What does Local bank transfer cost on BCX?

Domestic transfers are free or close to free for consumers in most countries, and in the euro area the Instant Payments Regulation forbids charging more for an instant credit transfer than for a standard one. On BCX's side: KM bank transfer deposits are free with a 10 KM minimum. Euro SWIFT deposits cost 0.30 percent, with a 40 KM minimum and a 3,000 KM maximum fee. Country notes: Bosnia and Herzegovina, free, 10 KM minimum (fee table, 2026).

Are there limits on Local bank transfer deposits?

The scheme ceiling is usually far higher than what you can actually send, because your own bank applies its own lower per transfer and daily limits on top of it. Any limit BCX applies on top is set per account tier and shown inside the platform.

Sources