Following the decision of the National Bank of Serbia of 30 October 2026 to revoke the bank's operating license, and the Belgrade Commercial Court's ruling of 3 November 2026 to open bankruptcy proceedings, notice is hereby given to individuals, sole proprietors, micro, small, and medium-sized legal entities who are depositors of ALTA banka AD Beograd that the reimbursement of insured depositors will begin on 13 November 2026 via Banka Poštanska Štedionica akcionarsko društvo Beograd as Payout Bank.
The deposit coverage limit is EUR 50,000 per depositor. Dinar deposits will be paid out in dinars, while foreign-currency deposits will be paid out in euros, calculated at the official median exchange rate of euro against the respective currency effective on 3 November 2026. Depositors may submit their payout claims at the offices of Banka Poštanska štedionica akcionarsko društvo Beograd assigned for the reimbursement of depositors of Alta banka a.d. Beograd, during regular business hours. List of offices of Banka Poštanska štedionica akcionarsko društvo Beograd where insured deposit amount may be collected, along with contact phone numbers, will be available on www.aod.rs and www.posted.co.rs.
When submitting a payout claim, depositors must present the following documents for review:
• A valid photo ID, and
• The original document proving the validity of the claim (e.g., cash deposit agreement, savings deposit agreement, current bank account agreement, savings book, debit/credit card linked to a dinar or foreign currency current account, or any other valid document confirming the depositor's authority over the deposit funds prior to the NBS decision to revoke the bank's license on 30 October 2026).
Authorized representatives of depositors that are sole proprietors, micro, small, or medium-sized legal entities must present the document proving the validity of the claim, along with the following:
a) If the payout claim is not submitted by the person officially registered to represent the entity, a letter of authorization to manage funds up to the insured deposit amount must be provided. This authorization must be issued on the entity's corporate letterhead, explicitly state the representative's name, be signed by the officially registered corporate representative, and be stamped with the corporate seal. The template for this authorization is available on the Deposit Insurance Agency's website, as well as on the website and at the counters of Banka Poštanska Štedionica akcionarsko društvo Beograd, acting as the Payout Bank.
b) The Certified Signatures Form ('OP Form') verified by the competent authority (either the original or a certified copy must be presented for review). The form must include details for the registered corporate representative. If the payout claim is submitted by an authorized representative, the form must also include the details of that authorized representative.
c) A valid original ID card of the registered corporate representative or the authorized representative designated to withdraw the insured deposit funds. Exceptionally, a passport or other valid photo ID may be accepted, strictly in line with applicable regulations.
If a depositor requests that the insured amount in Euros be transferred to another domestic bank, they must provide the Payout Bank with foreign currency wire instructions from that bank, which must include at least the following details: the name of the domestic bank holding the depositor's foreign currency account, the depositor's full name, and their account number at that bank, specifically the IBAN and the SWIFT/BIC code of the receiving domestic bank. Depositors are entitled to claim their insured deposit funds within three years from the date the bank's bankruptcy proceedings were opened, and no later than 3 November 2029. Depositors holding checks issued by ALTA banka AD Beograd will receive their insured deposit payout minus the total amount of any potential liabilities from outstanding (uncollected) checks. Depositors will be directed to settle and return these unused checks directly to ALTA banka AD Beograd in bankruptcy. A clearance certificate issued by the bank in bankruptcy will then serve as the basis for paying out the remaining portion of the insured amount corresponding to the cleared checks.
For further information or any complaints regarding the determined insured payout amount, depositors may contact:
Deposit Insurance Agency
Address: Masarikova 5, Belgrade
Phone: +381 11 7358 661
Email: depozit@aod.rs
Banka Poštanska Štedionica a.d. Beograd (Payout Bank)
Address: Kraljice Marije 3, Belgrade, Retail Department
Phone: +381/112020292
Email: aodisplata2026@posted.co.rs and
Depositors can find information regarding the addresses, phone numbers, and business hours of Banka Poštanska Štedionica a.d. Beograd payout branches on the Agency's website (www.aod.rs), the Payout Bank's website (www.posted.co.rs), or directly at any of the bank's branches or offices.