The payout starts on 13.11.2026 through Banka Poštanska štedionica (the paying bank).
Amount: up to €50,000 per depositor. Dinar deposits are paid in dinars, foreign-currency deposits in euros (see «How much and in which currency»).
Who: individuals (residents and non-residents), sole traders (preduzetnici), micro, small and medium-sized legal entities registered in Serbia. Details: «Who is entitled to the payout».
Where: at the Poštanska branches on AOD’s list of 06.11.2026. The list has 54 branches in 13 cities. One of them, in Belgrade (Kraljice Marije 3), 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 and hours are below (AOD list, PDF). Per AOD, addresses and hours are also available at any Poštanska branch.
Deadline to apply: 03.11.2029, three years from the court decision opening bankruptcy.
«…исплата осигураних износа депозита почиње дана 13.11.2026. године преко Банке Поштанска штедионица акционарско друштво Београд као банке исплатиоца.» — AOD, 06.11.2026.
«Депоненти имају право да поднесу захтев за исплату осигураног износа у року од три године од доношења решења о покретању стечајног поступка над банком, најкасније до 3.11.2029. године.» — AOD, 06.11.2026.
Had investments with ALTA (brokerage account, securities)? That is a separate payout of up to €20,000 through AOD: see «If you had investments with ALTA».
Source: AOD list «Списак експозитура Банке Поштанске штедионица за преузимање осигураног износа», published 06.11.2026: PDF, 2 pp. · aod.rs (opens in a new tab) Branches on the list: 54, cities: 13.
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Quieter than usual at this hour — relative to the branch’s own peak, not a comparison between branches.
Queues at Poštanska branches
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Belgrade · 32
AOD - Centrala bankeWeekdays 08:00-19:30 · Sat 08:00-13:00Kraljice Marije 3, 11120 Beograd
Mark in the AOD list
SPECIJALIZOVANA EKSPOZITURA SAMO ZA ISPLATU
What this mark means is not clear from the AOD document; we are waiting for clarification.
Filled — two different people reported the same, and at least one was near the branch
Ring only — not reliable: two people have not agreed yet, or nobody reported from nearby
Grey — no reports, which does not mean there is no queue
Grey with a “not equal” sign — reports split evenly, so none can be trusted
Dark with a lock — closed now
These are visitors’ reports, not bank data. We take reports from the last 2 hours and count people, not taps: if someone reports several times, only their latest report counts. If anyone reported from near the branch (within 500 m), we trust them first. Location is used only to tell near or not — we do not store coordinates.
Reports come from visitors without sign-up. This is not bank data and not exact figures. How many people are ahead of you — it helps others decide whether to come.
Size is our estimate from Google Maps photos, not bank data. Busyness is Google’s “Popular times” data, not the payout queue. In small branches the queue may be outside — bring water and a snack. The filing deadline is three years.
Usual busyness per Google data — from phone geolocation, anonymised, over past weeks. 100% is this branch’s usual peak. The influx of ALTA depositors is not reflected here. How Google calculates it (opens in a new tab)
Quieter than usual at this hour — relative to the branch’s own peak, not a comparison between branches.
We use your location only to tell whether you are near the branch. We do not store coordinates.
Original deposit document. AOD lists: a cash deposit agreement, a savings deposit agreement, a bank current account agreement, a savings book, a card of a dinar or foreign-currency current account, or another valid document on the basis of which you disposed of the deposit before the licence was revoked on 30.10.2026. Show the original, not a copy. Under AOD’s procedure this is an original issued (signed and certified) by the bank before the licence was revoked; without it the request counts as not filed (AOD procedure, section VIII). No contract? See «If you have no contract».
Individual’s power of attorney. Another adult can come for you: AOD allows you to authorise them to file the request and collect the money. A notary (javni beležnik) certifies it, and the certification date must be no earlier than 30.10.2026, the day the licence was revoked. Older authorisations over an ALTA account, issued before the licence was revoked, cannot be used to collect the insured amount at Banka Poštanska štedionica. The template is fizicka_lica.doc on AOD’s site; the rule verbatim is under «Power of attorney».
Authorisation on letterhead (ovlašćenje na memorandumu). A power of attorney printed on the company’s or sole trader’s letterhead. It names the specific person allowed to collect the insured amount and gives the right to dispose of funds up to the insured amount. It is signed by the person entered in the register as legal representative (the company director, the sole trader) and stamped. It is needed only if someone other than that representative comes to the branch. The text is on AOD’s website and on Poštanska’s website and counters; AOD’s form for legal entities is pravna_lica.doc, also below under «Power of attorney».
OP form («Оверени потписи лица овлашћених за заступање»). Literally «certified signatures of persons authorised to represent»: a document with the specimen signatures of those who, per the register, may act for the company or sole trader, certified by the competent authority. Show the original or a certified copy. It must contain the registered representative’s details and, if an authorised person comes, theirs too. AOD’s notice does not say which authority certifies it; if you do not have one, ask Poštanska or AOD (contacts below).
ID card: whose. For a company or sole trader, the person who comes: the registered legal representative or the authorised person. Exceptionally a passport or another photo ID is accepted. An individual shows a valid identity document; a non-resident foreigner, a passport.
Exchange rate of 03.11.2026. Dinar deposits are paid in dinars. All foreign-currency deposits (euros, dollars, francs and others) are paid in euros: a deposit in another currency is converted to euros at the middle rate of the euro against that currency valid on 03.11.2026, the day bankruptcy was opened. For example, a dollar deposit is converted at the euro–dollar middle rate of 03.11.2026. The €50,000 limit applies to all your deposits together.
Transferring euros to another bank. If you want the insured amount in euros sent to your foreign-currency account at another bank in Serbia, bring that bank’s instructions for a foreign-currency transfer. At minimum: the name of the bank where you hold the foreign-currency account; your first and last name; the account number at that bank, i.e. the IBAN, and the bank’s SWIFT address. AOD’s Q&A on ALTA (item d) gives a different list: the other bank’s name, the correspondent bank abroad, the IBAN or account number (AOD, Q&A on ALTA). Sole traders and companies are paid only by transfer to an account.
ALTA cheques. If ALTA issued you cheques (a chequebook), the insured amount is reduced by the potential liability for cheques not yet cashed («умањен за износ потенцијалне обавезе по основу нереализованих чекова»): the bank may still have to pay on them, so that part is held back. What to do: hand in the unused cheques you still hold (settle them, «razdužiti se») at ALTA banka in bankruptcy. The settlement confirmation issued by the bank in bankruptcy is the basis for paying the withheld part of the insured amount, up to the value of the cheques handed in. The notice does not say where or how to hand them in; ask AOD. If you cannot return uncashed cheques because they were lost, stolen or destroyed, the paying-bank employee refers you to the complaint procedure, based on a statement you sign and a confirmation issued by the bank in bankruptcy (AOD procedure, section VIII).
«Депонентима корисницима чекова издатих од стране АЛТА банке АД Београд биће исплаћен износ осигураних депозита умањен за износ потенцијалне обавезе по основу нереализованих чекова. Депоненти ће се упутити да се за неискоришћене чекове које имају у свом поседу раздуже код АЛТА банке АД Београд у стечају.» — AOD, 06.11.2026.
Contacts for questions and complaints about the amount (AOD, 06.11.2026):
Up to €50,000 per depositor: all your accounts and deposits at ALTA are added up, whatever their number, type and currency (AOD, questions and answers on ALTA).
Dinar deposits are paid in dinars, foreign-currency deposits in euros, at the National Bank of Serbia middle rate of 03.11.2026, the day the bankruptcy was opened.
If you have both dinars and foreign currency, the insured amount is split in proportion to the currency structure of all your deposits (AOD, questions and answers).
A person’s private accounts and their sole-trader accounts count as two separate depositors, each with its own €50,000 limit (AOD, questions and answers on ALTA).
«Средства са динарских рачуна исплаћују се у динарима, а са девизних у еврима, прерачунато по средњем курсу Народне банке Србије на дан доношења решења о отварању стечајног поступка (3. новембар 2026. године).» — AOD, questions and answers on ALTA.
«Ако депонент има депозите и у динарима и у девизама, Агенција, преко банке исплатиоца, исплаћује осигурани износ пропорционално према валутној структури укупних депозита депонента у банци у динарима и у девизама.» — AOD, questions and answers.
micro, small and medium-sized legal entities registered in Serbia;
also, on AOD’s list: house councils (of residents), registered farm households, religious associations and citizens’ associations, lawyers and law offices, trade unions, sports clubs, companies that are themselves in bankruptcy or liquidation, and any other legal entity that under the Accounting Law falls into the micro, small or medium category.
«Системом осигурања депозита заштићена су физичка лица (резиденти и нерезиденти), предузетници, као и микро, мала и средња правна лица регистрована у Србији.»
«Осигураним категоријама депонената сматрају се и кућни савети, регистрована пољопривредна домаћинства, верска удружења и удружења грађана, адвокати и адвокатске канцеларије, синдикалне организације, спортски клубови, привредни субјекти у стечају и ликвидацији као и сва друга правна лица која би по критеријумима разврставања правних лица према одредбама Закона о рачуноводству припадала категорији микро, малих, односно средњих правних лица.»
Not entitled (deposits excluded from the insurance):
of legal entities and individuals connected with the bank;
payable to a code word or to bearer;
arising from money laundering or terrorist financing;
of large legal entities (under the Accounting Law);
of state bodies and organisations, bodies of the autonomous province or of local self-government;
of investors whose funds are protected under the Capital Market Law (see «If you had investments»);
a deposit that serves as contractual collateral, if the bank’s claim against the depositor secured by that deposit is greater than or equal to the deposit;
of educational, health, social and other legal entities financed from the budget;
of bankruptcy and liquidation estates.
«Из система осигурања депозита искључени су депозити: правних и физичких лица повезаних с банком; који гласе на шифру или доносиоца; настали као последица прања новца или финансирања тероризма; великих правних лица у смислу Закона о рачуноводству; државних органа и организација, органа аутономне покрајине или органа јединице локалне самоуправе; инвеститора, чија су средства заштићена у складу са Законом о тржишту капитала; који представљају уговорено средство обезбеђења, ако је износ потраживања банке према депоненту које је обезбеђено тим депозитом веће или једнако износу тог депозита; образовних, здравствених, социјалних и других правних лица који се финансирају буџетски; стечајних и ликвидационих маса.» — AOD, questions and answers on ALTA.
Depositors must themselves file anything above €50,000 as a claim against the bank in bankruptcy (AOD; more: «Claim above €50,000»).
«Износ изнад осигураних 50.000 евра може се наплатити у стечајном поступку над банком и депоненти га сами пријављују као потраживање од банке у стечају.» — AOD, questions and answers on ALTA.
Go to a Poštanska branch designated for ALTA depositors from 13.11.2026, during working hours; the deadline is 03.11.2029 (AOD, 06.11.2026).
Bring a photo ID and the original deposit document. ID card or passport; non-residents a passport. The deposit document must be the original; see the list under «Deposit document».
Calculation. A paying-bank employee prints a calculation of all your deposits: the amount to be paid and its currency structure. You sign to confirm you have seen it (AOD, questions and answers; AOD procedure, section VIII).
Signature. If you agree with the amount, the employee prints the payout request and you sign it. You can take cash or ask for a transfer to an account (AOD, questions and answers on ALTA).
Complaint (reklamacija). If you disagree with the amount or the currency structure, or think the calculation does not match the facts, you file a complaint (AOD, questions and answers). If you believe you are owed more, the paying-bank employee offers you to request the undisputed amount and refers you to the complaint procedure for the difference (AOD procedure, section VIII).
«Уколико није сагласан с висином или валутном структуром утврђеног права на исплату осигураног износа или ако сматра да то право није сагласно чињеничном стању, депонент подноси рекламацију.» — AOD, questions and answers.
Sole traders and micro, small and medium-sized legal entities receive the insured amount only by transfer to an account; not in cash. The steps are the same: calculation, signature, and a complaint if you disagree.
«Исплата осигураног износа депоненту предузетнику, микро, малом и средњем правном лицу врши се безготовински - преносом на рачун који одреди депонент» — AOD procedure, section VIII. For sole traders AOD wrote the same to a depositor on 02.11.2026: a transfer to an account at a bank in Serbia (AOD letters).
If the person coming is not the representative entered in the register: an authorisation on the company’s letterhead, naming the authorised person, signed by the registered representative and stamped. AOD’s form is under «Power of attorney».
The OP form («Оверени потписи лица овлашћених за заступање») with certified signatures, original or certified copy. It must contain the registered representative’s details and, if an authorised person comes, theirs too.
The original ID card of the representative or the authorised person; exceptionally a passport or another photo ID.
If the euro amount is to be transferred to another bank in Serbia: that bank’s foreign-currency transfer instructions with the name of the bank holding the foreign-currency account, the depositor’s name, the account number, i.e. the IBAN, and the bank’s SWIFT address (AOD, 06.11.2026).
An ALTA depositor who holds money both as an individual and as a sole trader (preduzetnik) asked AOD in writing on 31.10.2026 how the insurance would be counted and paid. AOD replied on 02.11.2026 from [email protected]. Below is what follows from the answers, and screenshots of the letters: the depositor’s question and AOD’s highlighted answer. Personal data is blacked out.
The €50,000 limit applies separately to the individual and to the same person as a sole trader. Personal accounts and sole-trader accounts are not added up: each has its own limit. AOD’s answer, citing art. 2 of the Law on Deposit Insurance: «limit osiguranja depozita od 50.000 evra primenjuje se zasebno na fizičko lice i na isto to lice registrovano kao preduzetnik. Isplata fizičkih lica vrši se u gotovini ili prenosom na drugi račun deponenta a pravnih lica prenosom na drugi račun.» In law a sole trader is a natural person doing business (Law on Companies, art. 83), which is why AOD’s answer matters.
How the money is paid. Individuals: in cash or by transfer to another account. Sole traders and micro, small and medium-sized companies: by transfer only, to an account the depositor names (AOD procedure, section VIII item 31): «Исплата осигураног износа депоненту предузетнику, микро, малом и средњем правном лицу врши се безготовински - преносом на рачун који одреди депонент».
Transfers only to an account at a bank in Serbia. A foreign individual cannot have the insured amount sent abroad: AOD answered «prenos na račun u banci u Srbiji odnosno isplata u gotovini». For a sole trader: «prenos na račun u banci u Srbiji».
Personal or sole-trader account? AOD has not yet said which account in Serbia a sole trader’s money goes to, the sole-trader account or a personal one. The question has been asked; we will add the answer here.
AOD letter from [email protected], 2 November 2026, 10:54. Yellow: AOD’s answer; blue: the depositor’s question. Name, e-mail and sole-trader details are blacked out. Click to enlarge.AOD letter, 2 November 2026, 13:47. AOD wrote its answers into the quoted question, on the “Odgovor” lines (yellow); the questions are in blue. Click to enlarge.
Depositors in chats write that from a foreign-currency account at Poštanska you cannot withdraw euros in cash, transfer them abroad or convert them into dinars — only pay by card. We checked this against the bank’s own documents. Note: per AOD’s notice of 06.11.2026 the insured amount is paid at Poštanska branches, and on your instructions the euros can be transferred to a foreign-currency account at another bank in Serbia (AOD, 06.11.2026; see «Transferring euros to another bank»). Below are Poštanska’s general rules for an individual’s foreign-currency payment account (devizni platni račun), as of 06.11.2026.
You do not have to keep the insured amount at Poštanska. An individual can take it in cash or ask for a transfer to an account (AOD, Q&A on ALTA); a transfer only to an account at a bank in Serbia (AOD letters).
Cash euros: allowed by the bank’s documents. Account page: funds can be used by «подизањем ефективе» (withdrawing foreign cash) at the bank’s counters and ATMs, with no withdrawal fee (Poštanska, FX account). Tariff, item 2.4.1: «Уплата и исплата у ефективи и динарима — Без накнаде» (Poštanska tariff). Whether a given branch has the amount in cash and whether it must be ordered in advance, the bank does not say in writing — ask at the branch.
Transfer abroad (SWIFT) and SEPA: per the tariff, at the counter, not in the app. Tariff, item 2.6.1.1.2: a transfer in euros to an account abroad at the counter costs 0.5% (min. 300, max. 20,000 RSD) plus the «OUR» charge; item 2.6.1.1.1.7: «SEPA плаћање SCT / НБС клиринг — RSD 500,00»; in the tariff this item belongs to section 2.6.1.1.1 «На платни рачун у Републици Србији» (to a payment account in Serbia), while transfers abroad are section 2.6.1.1.2. For e-banking the tariff (item 2.6.1.2) lists only transfers between your own FX accounts at the bank (Poštanska tariff). For a resident the bank makes a transfer abroad on a stated basis: a personal transfer (gift, help to a family member, inheritance, annuity, emigrant’s funds) or a payment against an invoice (Poštanska, FX account; Law on Foreign Exchange Operations, art. 2 item 25 and art. 31).
Conversion into dinars: per the tariff, at the counter, free. Tariff, item 2.6.1.1.1.2: «Пренос средстава на динарски платни рачун у банци (интерни пренос) — Без накнаде» (Poštanska tariff). The tariff lists no such operation in the app. The rate at which the bank buys euros is not stated in the tariff.
Card: yes. A Visa card is issued for the FX account: payments in Serbia and abroad, cash at ATMs (Poštanska, FX account); cash withdrawal by card at Poštanska counters and ATMs is free (fee document, item 3.2). The conversion rate for card payments is not given in the bank’s documents.
Resident or non-resident. A foreigner with a residence permit or work visa who has lived in Serbia for more than a year is a resident under the law; less than a year — a non-resident (Law on Foreign Exchange Operations, art. 2). From a non-resident’s FX savings account a transfer abroad «vrši se slobodno» (art. 29). Poštanska opens a resident FX account for a foreigner who has lived in Serbia for over a year, with a certificate from the Ministry of the Interior (Poštanska, FX account).
«Располагање средствима са платног девизног рачуна врши се: подизањем ефективе или динарске противвредности, на шалтерима и банкоматима Банке, као и налозима за плаћање и пренос. Провизија за исплату се не наплаћује.» — Poštanska, FX account.
«5) fizičko lice - strani državljanin koji na osnovu dozvole za boravak, odnosno radne vize boravi u Republici duže od godinu dana, osim diplomatsko-konzularnih predstavnika stranih zemalja i članova njihovih porodica» — Law on Foreign Exchange Operations, art. 2.
Besides a photo ID, the depositor shows the original of a document proving the deposit. AOD lists (questions and answers on ALTA):
«уговор о новчаном депозиту, уговор о штедном улогу, уговор о банкарском текућем рачуну, штедна књижица, картица текућег динарског или девизног рачуна, решење о наслеђивању, решење о старатељству, извод из матичне књиге рођених (којим се доказује право законског заступника да располаже средствима - за родитеље малолетних лица), или други валидан документ на основу кога је депонент располагао средствима депозита у периоду пре доношења решења НБС о одузимању дозволе за рад банци (30. октобра 2026. године).»
In English: a cash deposit contract, a savings deposit contract, a current account contract, a savings book, «картица текућег динарског или девизног рачуна», an inheritance decision, a guardianship decision, a birth register extract (for parents of minors) or another valid document under which you used the deposit before the licence was revoked on 30.10.2026. We keep the item «картица рачуна» as AOD wrote it: AOD has not explained what exactly the paying bank will accept under that name.
A contract is not the only option: any document from the list above works, including another valid document under which you used the deposit before 30.10.2026.
It must be shown in the original. Under AOD’s procedure, if there is no original you need a certificate from the bank in bankruptcy on your right to use the deposit, or a copy of the contract certified by an authorised person of the bank in bankruptcy; without the original or such a certified document the request counts as not filed (AOD procedure, section VIII). AOD has not yet said how to request such a certificate from ALTA specifically.
If you cannot come yourself, someone else can collect the insured amount under a power of attorney. According to AOD’s answers for ALTA, the power of attorney is made at a notary (javni beležnik); if you are abroad, it must be translated into Serbian and certified with an apostille.
«Уколико нисте у могућности да сами преузмете новац, потребно је да код јавног бележника израдите овлашћење за друго лице. Уколико се налазите у иностранству, овлашћење мора бити преведено на српски и оверено апостилом.» — AOD, questions and answers on ALTA.
On AOD’s forms page the rule for individuals reads (in Serbian, verbatim):
«Депонент физичко лице може после наступања осигураног случаја дати овлашћење другом пунолетном физичком лицу да у његово име и за његов рачун располаже средствима осигураног износа депозита, подноси захтев за исплату и подиже средства осигураног износа депозита, с тим што ово овлашћење мора бити оверено од стране јавног бележника, под датумом не старијим од дана одузимања дозволе за рад банци. Овлашћења којима су депоненти физичка лица овластили трећа лица за располагање средствима на рачунима, а која су издата пре одузимања дозволе за рад банци, не могу се користити приликом подношења захтева за исплату осигураног износа у Банци Поштанска штедионица.» — AOD forms.
In English: another adult can come for you under an authorisation certified by a notary and dated no earlier than 30.10.2026 (the day the licence was revoked). Authorisations issued before the licence was revoked cannot be used. The template for individuals is fizicka_lica.doc, for companies pravna_lica.doc. From abroad, add a Serbian translation and an apostille (AOD’s answers above).
AOD’s forms:
Authorisation for individuals
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.
This does not concern ordinary depositors. Deposits, current and savings accounts are paid by Poštanska under the rules above. This section is only for small investors who were ALTA’s investment-services clients: a brokerage account, securities, money on an investment account. They are covered by a different fund, the Investor Protection Fund, also run by AOD. On 06.11.2026 AOD published a call to these clients (AOD call, 06.11.2026):
How much: up to €20,000 per investor, paid in dinars at the National Bank’s official middle rate of 03.11.2026. All claims against the bank are counted together, whatever the number of accounts, currencies and contracts.
What is covered: money deposited or arising from investment services, and financial instruments (securities) the bank held and managed for the client.
How to apply: fill in AOD’s form «Захтев за исплату заштићеног потраживања» (also available at ALTA banka in bankruptcy, Bulevar Zorana Đinđića 121, Belgrade) and send it by post or hand it in at AOD’s registry office (pisarnica): Masarikova 5, 11000 Belgrade. Not at Poštanska.
What to attach: the original or a certified copy of the supporting documents (contracts, confirmations, decisions, etc.); individuals, a copy of a valid identity document; legal entities, the original or a certified copy of the business register (APR) extract.
Deadline: 03.05.2027. If you were prevented by circumstances beyond your control, it is extended to 03.11.2027, but you must attach evidence (court judgments, documents of state bodies, etc.).
Next: within 60 days of the court decision (03.11.2026) AOD draws up the list of recognised and disputed claims and sends you an extract. If you disagree with the amount, file a written objection within 10 days of receiving it. The payout starts no later than three months after the list; AOD will announce the date on aod.rs and in the media.
«Агенција за осигурање депозита врши исплату заштићеног потраживања малог инвеститора клијента Алта банке а.д. Београд највише до 20.000 евра у динарској противвредности по званичном средњем курсу који утврђује Народна банке Србије, на дан доношења решења о покретању стечајног поступка.» — AOD, 06.11.2026.
«Позивају се мали инвеститори клијенти Алта банке а.д. Београд да поднесу захтев за исплату заштићеног потраживања најкасније до 3.5.2027. године поштом или непосредно путем писарнице на адресу Агенције за осигурање депозита, Масарикова 5, 11000 Београд.» — AOD, 06.11.2026.
