Only announcements from the organisations themselves are listed here: AOD (the Deposit Insurance Agency), the National Bank of Serbia, the ALTA bank’s website and the paying bank Poštanska štedionica. Press retellings are not included. The court decision opening bankruptcy (10 St 275/2026 of 03.11.2026) is published on the court notice board, decision PDF.
On 09.11.2026 AOD announced a public competition to appoint its trustee (poverenik) in the bankruptcy of ALTA banka a.d. Beograd u stečaju. Basis: Article 9 of the Law on AOD and Management Board decision 241/26 of 06.11.2026. AOD is the bankruptcy administrator by decision of the Commercial Court in Belgrade 10 СТ 275/2026 of 03.11.2026. The trustee is chosen from the list of licensed bankruptcy administrators and runs the proceedings to the end. Applications: 7 days from publication in “Politika”. Nothing changes for depositors: the claim filing deadline and the payout of the insured amount are unchanged. Key quote in Serbian (Cyrillic): «Агенција за осигурање депозита покреће поступак именовања повереника са листе лиценцираних стечајних управника ради спровођења и окончања стечаја над стечајним дужником АЛТА банком а.д. Београд у стечају.»
Vranje and Leskovac state on their official websites that they are seeking the exclusion (izlučenje) of their budget funds from the bankruptcy estate. The money was held on overnight deposits in ALTA banka's account at the National Bank. Leskovac filed with the Commercial Court in Belgrade on 04.11.2026 (78,000,000 dinars) and also proposes an interim measure: nobody but the city may dispose of the money. Vranje (statement of 05.11.2026) names 177,000,000 dinars and says it has taken legal action before the court and AOD, including a request for exclusion; whether the claim is justified is decided in the procedure set by law. ALTA's bankruptcy case is 10 СТ 275/2026. Vranje's key quote in Serbian (Cyrillic): «предузете су правне радње ради заштите потраживања Града, укључујући захтев за излучење средстава»
City of Vranje: public statement on funds deposited with ALTA banka (05.11.2026) · City of Leskovac: statement “Град Лесковац и Алта банка” (06.11.2026) · AOD: instruction for loan users (bankruptcy case number 10 СТ 275/2026)
06.11.2026, NBS: ALTA banka in bankruptcy and ALTA GROUP DOO Beograd are two different legal entities in a different legal status — «Важно је истаћи да се ради о два различита правна лица, која се тренутно налазе у различитом правном статусу» — so obligations to them are paid to different accounts. ALTA banka in bankruptcy: NBS dinar account 780-282-42. Loans with ALTA GROUP DOO Beograd: account 200-3408551901000-45 at Poštanska štedionica ad. In both cases, the loan account number goes in «poziv na broj». NBS warning to borrowers (pay only to these two accounts, do not trust suspicious messages or emails): «…да своје обавезе према њима измирују искључиво на ова два наведена рачуна и да не поклањају веру евентуалним сумњивим порукама или имејловима…».
NBS: «Notice to borrowers of Alta banka in bankruptcy and ALTA GROUP DOO Beograd» (Serbian)
The notice of the opening of bankruptcy of ALTA banka was published in the Official Gazette of the Republic of Serbia (Službeni glasnik RS) No. 109 of 06.11.2026, section "Court notices", item 172. The period for filing claims with the Commercial Court in Belgrade is 90 days. Claim for the amount above €50,000 — by 4 February 2027. How the deadline is counted: see the Claim page. Item IV verbatim (Serbian): «Позивају се повериоци стечајног дужника да у року од 90 дана од дана објављивања огласа о покретању поступка стечаја над стечајним дужником у „Службеном гласнику РС”, пријаве Привредном суду у Београду своја обезбеђена и необезбеђена потраживања.»
Official Gazette RS No. 109/2026, Court notices, item 172 (Serbian)
On 06.11.2026 the Commercial Court in Belgrade published a press release. The court received the National Bank's decision on 02.11.2026 and the next day, 03.11.2026, issued decision St 275/2026 opening bankruptcy of ALTA banka. The same day the decision was published on the court notice board; the notice of the opening of bankruptcy was published on the court notice board and electronic notice board and sent for publication in the daily Danas and the Official Gazette of the Republic of Serbia. The legal consequences of opening bankruptcy took effect on the day the notice was posted on the court notice board, 03.11.2026. AOD is the bankruptcy administrator. The court says it will inform the public in a timely manner about the further course of the proceedings. Quote: «…упућен ради објављивања у дневном листу „Данас“ и „Службеном гласнику Републике Србије“.»
Commercial Court in Belgrade: press release, 06.11.2026 (PDF, Serbian)
On 6 November the National Bank announced that it revoked the authorisation of the authorised exchange office “Alta Group d.o.o. Beograd” to carry out exchange operations and imposed fines totalling RSD 250 million on the legal entity and the responsible person in it. The inspection found breaches of the Law on Foreign Exchange Operations and its by-laws, and a flagrant breach of the anti-money-laundering and counter-terrorist-financing rules. The findings go to the Organised Crime Prosecutor's Office, the Anti-Money-Laundering Administration and, if needed, other authorities. The release does not link the exchange office to ALTA banka and says nothing about deposits or the exchange office's clients. The name matches the company that this site shows as the bank's sole shareholder (page “Bank”); the release does not confirm they are the same entity.
On 06.11.2026 AOD posted the "List of Banka Poštanska štedionica branches for collecting the insured amount": 54 branches in 13 cities (32 in Belgrade, 7 in Novi Sad, 2 each in Niš, Kragujevac, Kraljevo and Užice, one each in Vršac, Lučani, Novi Pazar, Stara Pazova, Subotica, Čačak and Šabac). One of them, AOD - Centrala banke, Kraljice Marije 3, Belgrade (weekdays 08:00–19:30, Saturday 08:00–13:00), is marked “specialised, for payout only” (SPECIJALIZOVANA EKSPOZITURA SAMO ZA ISPLATU). What this mark means is not clear from the AOD document; we are waiting for clarification. Addresses, hours and map links are on "How to get the insured amount up to €50,000", section "Poštanska branches for the payout" (/en/vyplata/#postanska-branches). The list has no phone numbers. The payout starts on 13.11.2026.
AOD: list of Banka Poštanska štedionica branches for collecting the insured amount, 06.11.2026 (PDF) · AOD: announcements on ALTA banka
On 06.11.2026 AOD announced that the payout of insured ALTA deposits starts on 13.11.2026 through Banka Poštanska štedionica: up to €50,000 per depositor. Dinar deposits are paid in dinars, foreign-currency deposits in euros at the middle rate of 03.11.2026. Apply at the 54 Poštanska branches on AOD’s list (published the same day) during normal working hours; addresses are on the payout page, section “Poštanska branches”. Bring an ID and the original deposit document; sole traders and companies also the OP form and, if not the registered representative, an authorisation on letterhead. Someone else may go for an individual with an authorisation certified by a notary no earlier than the day the licence was revoked (30.10.2026); older ones cannot be used. Deadline: 03.11.2029. Quote: «…исплата осигураних износа депозита почиње дана 13.11.2026. године преко Банке Поштанска штедионица…»
Образац овлашћења за преузимање осигураног износа – правна лица
Lets an authorised person, not the registered representative, collect the insured amount of a company or sole trader.
On the AOD website (opens in a new tab)AOD: list of Banka Poštanska štedionica branches for collecting the insured amount, 06.11.2026 (PDF) · AOD: forms for ALTA depositors (Serbian) · AOD: notice of the start of the insured deposit payout, ALTA banka, 06.11.2026 (PDF) · AOD: announcements on ALTA banka
On 06.11.2026 AOD published a call to small investors who were ALTA investment-services clients (brokerage account, securities, money on an investment account). Ordinary depositors are not affected: deposits are paid by Poštanska from 13.11. AOD pays investors (from the Investor Protection Fund) up to €20,000 in dinars at the NBS middle rate of 03.11.2026. Apply on AOD's form by post or at AOD's registry office (Masarikova 5, Belgrade) by 03.05.2027 (for a justified reason, by 03.11.2027 with evidence). Attach originals or certified copies of contracts and confirmations; individuals a copy of ID, legal entities an APR extract. AOD draws up the list of recognised claims within 60 days of 03.11.2026; objections within 10 days. Contact: 011/7358 659, [email protected]. Quote: «…најкасније до 3.5.2027. године поштом или непосредно путем писарнице…»
AOD: call to small investors, clients of ALTA banka, to apply for payment of protected claims, 06.11.2026 (PDF) · AOD: form «Захтев за исплату заштићеног потраживања» (PDF)
On 06.11.2026 AOD published an instruction for Alta banka borrowers. Loans are not forgiven: after the bankruptcy was opened (decision of the Commercial Court in Belgrade 10 СТ 275/2026 of 03.11.2026), borrowers must keep paying under the terms of their loan agreements. Payments go to the dinar account at the National Bank of Serbia 780-282-42. In the payment slip field "poziv na broj" (reference number), enter the loan account number (broj partije kredita). This concerns only people with a loan at ALTA; depositors are not affected. Key quote in Serbian (Cyrillic): «Уплате доспелих обавеза према Алта банци а.д. Београд у стечају могу се извршити на ДИНАРСКИ рачун код Народне банке Србије број 780-282-42. Потребно је у позиву на број навести број партије кредита.»
AOD: Uputstvo o izmirenju obaveza korisnicima kredita u Alta banci (PDF) · AOD: saopštenja o Alta banci · AOD: news item on the instruction for ALTA borrowers
The National Bank set out the procedure for authorised exchange offices that had a contract with Alta banka (licence revoked 30 October). After signing with another commercial bank, they must sell it the cash currency bought from ALTA before 30 October, within 15 or 30 days of purchase, and provide documents proving the purchase from ALTA and the amount. Offices that worked only with ALTA sell the bank at least 80% of last week's net cash purchases, also once the contract with another bank is in place. For ordinary people nothing changes: no action is needed. For the offices, see the 4 November item. Quote: "по успостављању уговорног односа са том другом банком".
NBS: notice to authorised exchange offices that had a contract with Alta banka (Serbian)
On 05.11.2026 Banka Poštanska štedionica and the Deposit Insurance Agency (AOD) signed a contract on paying out insured deposits to Alta banka depositors. In plain terms: Poštanska is now officially the bank that will hand out the money. The bank calls the signing a regular step in preparing the payout. The announcement gives no start date, conditions or procedure; AOD and Poštanska will announce them. Quote in Serbian (Cyrillic): «О датуму почетка, условима и начину исплате јавност ће бити благовремено обавештена путем званичних саопштења Агенције за осигурање депозита и Банке Поштанска штедионица.»
On its “Alta banka u stečaju — Obrasci” page AOD published three forms. 1) “Образац пријаве потраживања”, a template for the claim above €50,000 to the Commercial Court in Belgrade: case number, creditor details (name, address, JMBG, account and bank; for a company, registration number and PIB), the debtor bank, the court decision and Official Gazette number, the amount on the day bankruptcy opened and its basis, the list of evidence, the request to recognise the claim, signature. Free form is also allowed if it contains the items of art. 111 of the Law on Bankruptcy (AOD). 2) and 3) Authorisation forms to collect the insured amount up to €50,000, one for individuals and one for companies and sole traders, in three copies. All forms have a JMBG field; they do not say how to fill it in if you have none. Copies and details: the “Claim” page, sections on the template and the authorisation.
Образац пријаве потраживања
The claim above €50,000 to the Commercial Court in Belgrade. Each depositor files it, individual or company.
On the AOD website (opens in a new tab)Образац овлашћења за преузимање осигураног износа – физичка лица
Lets another person collect your insured amount up to €50,000 at Banka Poštanska štedionica. It is certified by a notary and dated no earlier than the day the licence was revoked (30.10.2026); authorisations issued before the revocation cannot be used.
On the AOD website (opens in a new tab)Образац овлашћења за преузимање осигураног износа – правна лица
Lets an authorised person, not the registered representative, collect the insured amount of a company or sole trader.
On the AOD website (opens in a new tab)AOD: forms for ALTA depositors (Serbian) · AOD: claim template (Образац пријаве потраживања) · AOD: authorisation form for individuals · AOD: authorisation form for companies and sole traders · AOD: questions and answers on bankruptcy (free-form claim)
The National Bank received reports from citizens of SMS messages with the sender name "AltaPay", and of SMS from unknown numbers, calling ALTA borrowers to pay their loans to given accounts at Poštanska štedionica bank. NBS asks clients of Alta banka in bankruptcy and Alta Group not to pay on the basis of such SMS or similar emails. Borrowers will receive clear instructions in good time only from the Deposit Insurance Agency, which has taken over management of the bank; until then they should wait for its notice naming the bank and account number. NBS immediately informed Poštanska štedionica so that it applies enhanced control of suspicious transactions and inflows on the account named in one of the SMS. Quote: "da nikako ne vrše uplate na osnovu ovakvih ili sličnih SMS poruka".
NBS: warning about fraudulent messages to Alta banka loan clients (Serbian)
BIRN put 12 questions to the National Bank about ALTA's supervision and operations. Questions 1, 2, 3, 6, 7, 9, 11 and 12 (inspections, steps on illiquidity, cash in the vault, largest depositors, anti-money-laundering) went unanswered: by law, data on the supervision of an individual bank is confidential. Answers given: in 2026 ALTA neither requested nor received liquidity support or credit relief from NBS; systemically important banks are identified under European Banking Authority criteria at least once a year; whether the cash was ever in the vault and whether the reports were false is for the prosecutor and police; revoking the licence, to protect depositors and financial stability, required a rapid reaction. Quote: "ALTA banka ad Beograd u 2026. godini nije tražila, niti dobila bilo koju vrstu podrške likvidnosti".
NBS: BIRN — questions on the operations and supervision of Alta banka (Serbian)
The National Bank answered whether citizens' payments (bills, transfers) left at exchange offices that worked through ALTA went through. The offices were agents of ALTA GROUP DOO BEOGRAD, whose licence NBS revoked on 2 November; on 30 October NBS imposed a temporary measure to protect the money received. Before the revocation most orders were executed; the rest were expected on 4 November. The offices may sign with any other payment institution or Pošta Srbije. From 1 October to 2 November exchange offices sold €744.9m and bought €646.1m; banks supplied them with cash without interruption. Quote: "ova institucija elektronskog novca izvršila je većinu primljenih naloga korisnika platnih usluga".
The court opened bankruptcy of ALTA banka on 03.11.2026; AOD is the administrator and the paying bank is Banka Poštanska štedionica. By 6.11 AOD will announce the payout start date and branches. Payouts must start within 7 working days; collection is possible for 3 years. Individuals, sole traders and micro, small and medium-sized companies are protected up to €50,000: dinars paid in dinars, foreign currency in euros. Case 10 St 275/2026, confirmed in the APR register (“ALTA BANKA AD BEOGRAD - U STEČAJU”). AOD original in English: “Today the Commercial Court of Belgrade has initiated the bankruptcy process in Alta banka, appointing the Deposit Insurance Agency (DIA) as the bankruptcy administrator. By Friday 6 November 2026, the DIA will announce… the start date of reimbursement… Legal deadline for the DIA to initiate the reimbursement process is seven working days starting from today.”
APR: business register, ALTA BANKA AD BEOGRAD - U STEČAJU (reg. no. 07074433), decision of 03.11.2026 · AOD (English original) · AOD (Serbian, Cyrillic) · Commercial Court in Belgrade: electronic notice board · Courts portal: commercial court case progress
On 03.11.2026 Banka Poštanska štedionica started a one-off payout of pensions to people who received their pension through Alta banka. Schedule: 03.11 for self-employed pensioners, 05.11 for farmers and military pensioners, 10.11 for former employees. All Poštanska branches pay; a valid ID card (lična karta) is needed. The bank writes that the one-off payout does not oblige anyone to move their pension to Poštanska for good. This is not the payout of insured deposits up to €50,000: AOD will announce that date and the branches. Quote in Serbian (Cyrillic): «почела је данас једнократну исплату пензија корисницима из категорије самосталних делатности који су пензију до сада примали преко Алта банке».
A depositor asked AOD in writing; AOD replied on 02.11.2026. Personal and sole-trader (preduzetnik) accounts are not added up: "limit osiguranja depozita od 50.000 evra primenjuje se zasebno na fizičko lice i na isto to lice registrovano kao preduzetnik". Individuals are paid in cash or by transfer; sole traders and companies by transfer only, to the account they name (AOD procedure, section VIII item 31). Transfers go only to an account at a bank in Serbia, not abroad: "prenos na račun u banci u Srbiji". Whether a sole trader is paid to the business or a personal account AOD has not yet said; the question has been asked. Screenshots of the letters are on the Claim page.
AOD letter, 02.11.2026 10:54 (screenshot) · AOD letter, 02.11.2026 13:47 (screenshot) · AOD payout procedure, section VIII item 31 · Law on Deposit Insurance, art. 2 · Law on Companies, art. 83
ALTA GROUP DOO BEOGRAD is a separate company (e-money and payment services: wallets, payment orders, cards), not a bank. On 2 November the National Bank revoked its licence, automatically, after the licence of ALTA banka was revoked. Bank deposits are not affected: they go through the bank's bankruptcy procedure and the AOD payout is unchanged. The National Bank says payment-service users' funds are protected. ALTA GROUP clients can use other banks and payment institutions in Serbia; ALTA GROUP's debtors still owe and will get instructions. Quote (Serbian): "ALTA GROUP DOO BEOGRAD nije banka i ne prima depozite građana i privrede".
National Bank: licence revoked from ALTA GROUP DOO BEOGRAD (Serbian) · National Bank: licence revoked from ALTA GROUP DOO BEOGRAD (English)
The National Bank's Executive Board says the banking sector is stable, well capitalised and highly liquid, and that one bank's problems must not be equated with the sector as a whole. All deposits covered by deposit insurance will be paid out in the full insured amount: up to €50,000 per depositor, with the payout guaranteed by the Republic of Serbia. The Deposit Insurance Agency has the funds and will pay within the statutory deadline. Depositors will be told "in a timely manner" which bank will pay and what the procedures are; the statement names neither the bank nor dates. The National Bank also commits to keeping the dinar stable against the euro, including through foreign-exchange interventions. Key sentence (Serbian original): "svi depoziti obuhvaćeni zakonskim sistemom osiguranja depozita zaštićeni i da će biti isplaćeni u punom osiguranom iznosu".
The National Bank pointed out that AOD, not the National Bank, is competent for the bankruptcy of ALTA banka and for the bank's assets and liabilities; individuals and businesses should contact AOD directly. AOD becomes administrator once the court appoints it in the decision opening bankruptcy, and only then gets access to the bank's documents and data. Within three working days of the court decision AOD will publish the conditions, places and deadlines for paying insured deposits: "U roku od tri radna dana od donošenja rešenja Privrednog suda u Beogradu o otvaranju stečajnog postupka nad bankom". Businesses that cannot deposit their daily takings on time can also ask the Ministry of Finance.
National Bank: notice on Alta banka client current accounts (Serbian) · National Bank: the same notice (English)
On 02.11.2026 Banka Poštanska štedionica published a press release: on Friday morning the bank asked the National Bank for additional expert supervision of its liquidity and financial flows, because of negative news and insinuations questioning its operations and liquidity. The bank writes that it is envisaged as the paying bank for ALTA's insured deposits, while the procedure for adopting the decision on this engagement is still under way. According to the bank, the National Bank's measures are enhanced liquidity monitoring and additional procedures for certain transactions. Quote: «…Банка Поштанска штедионица предвиђена за банку исплатиоца осигураних депозита Алта банке, док је поступак доношења одговарајућег решења о том ангажовању још у току.»
Outdated: On 06.11 AOD announced the payout from 13.11; the deadline for claims runs until 04.02.2027. How to get the payout → Claim deadline →
Payouts start within 7 working days of the Commercial Court in Belgrade opening bankruptcy; AOD will announce the conditions, places and dates within 3 working days of that decision. The limit is €50,000 per depositor: dinar deposits are paid in dinars, foreign-currency deposits in euros at the middle exchange rate on the day bankruptcy is opened. Individuals, sole traders and micro, small and medium-sized companies are entitled. Separately, AOD promises a call to small investors (securities, brokerage accounts). (Our note: nothing needs to be filed before the AOD announcement.) AOD published this on 31.10; like the National Bank, it dates the decision 30.10.
Management of the bank has passed to AOD. Proceedings have been started against the bank, its shareholders, management bodies and other responsible persons (which ones is not specified). Depositors will be notified "in a timely manner" at which bank to collect deposits of up to €50,000 and how to file claims for the rest. Debts to the bank are not written off: how to repay them will be explained after bankruptcy is opened.
The bank writes of "bankruptcy having started", thanks its clients and promises to report officially on the procedure and deadlines. Our note: on 30.10 the National Bank found that the conditions for bankruptcy were met; the court opens bankruptcy, and payout deadlines run from the court's decision.
Statement of ALTA bank · Law on Bankruptcy and Liquidation of Banks, art. 4 and 6
The operating licence has been revoked. The reason given: the bank's financial position "deteriorated significantly" and depositors' interests are at risk. Before that, the National Bank had carried out "supervisory activities" to get the bank to improve its liquidity. The court will appoint AOD as bankruptcy administrator. The Serbian page is dated 30.10, the English one 31.10.
A statement by the Governor on supervision and depositor protection. ALTA is not named in the text.
The National Bank says that transfers are going through the usual channels, supervision is constant, and "unverified claims" may cause panic.
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