The Deposit Insurance Agency (AOD) published its payout notice for Alta banka on 6 November 2026. Insured deposits are paid from Friday 13 November through Banka Poštanska štedionica, at designated branches during normal working hours. The branch list is on aod.rs and posted.co.rs.
You are covered up to 50,000 euros per depositor. Dinar savings are paid in dinars and foreign-currency savings in euros at the mid rate of 3 November. You can have the euros sent to another Serbian bank if you bring its IBAN and SWIFT.
Take a valid ID and the original deposit contract, savings book or account card. If you still hold unused Alta cheques, part of the payout is held back until you return them. The deadline is 3 November 2029, so there is no need to rush.
For anything above 50,000 euros, you file the claim yourself with the Belgrade Commercial Court. Its decision opening the bankruptcy on 3 November gives creditors 90 days from the day the bankruptcy notice is published in the Službeni glasnik. AOD says late claims are accepted up to 120 days, not after. No one has said how much comes back, or when. I would file inside the 90 days and keep copies.
If you used Alta Pay in Montenegro, the Central Bank of Montenegro said on 3 November that no payment orders were left unexecuted.
What I'd watch: the date the notice appears in the Službeni glasnik, because the 90 days run from it.
Related: Alta banka's licence is revoked. What depositors can recover and when · Buying property in Belgrade
Also see: Deposit Insurance Agency payout notice, 6 November 2026 · AOD questions and answers on Alta banka · Court decision of 3 November, reported by Tanjug · Central Bank of Montenegro statement of 3 November, reported by Tanjug
Common questions
When does the Alta banka deposit payout start?
From Friday 13 November 2026, through Banka Poštanska štedionica branches during normal working hours. The Deposit Insurance Agency publishes the branch list on aod.rs and posted.co.rs.
How much of an Alta banka deposit is insured?
Up to 50,000 euros per depositor. That covers individuals, sole traders and micro, small and medium-sized companies.
What do I need to collect my Alta banka deposit?
A valid ID and the original proof of your deposit, such as the deposit contract, savings book or account card. A company also needs the certified signature form (OP obrazac) and, if someone other than the registered representative comes, a signed and stamped authorisation on company letterhead.
Are foreign-currency deposits paid in euros?
Yes. Dinar deposits are paid in dinars, and foreign-currency deposits are paid in euros at the euro mid rate valid on 3 November 2026. You can ask for the euros to be sent to another bank in Serbia if you bring its details, including the IBAN and SWIFT.
What is the deadline to collect an insured Alta banka deposit?
3 November 2029, three years after the bankruptcy was opened.
What happens to Alta banka deposits above 50,000 euros?
The part above 50,000 euros is not insured. You file it yourself as a claim, in writing, with the Belgrade Commercial Court, within 90 days of the bankruptcy notice in the Službeni glasnik. The Deposit Insurance Agency says late claims are accepted up to 120 days and rejected after that. These claims are paid in the first payout class, but no one has said how much will come back or when.
Is money sent through Alta Pay in Montenegro affected?
The Central Bank of Montenegro withdrew Alta Pay Group's payment authorisation on 1 November 2026 and said on 3 November that no payment orders were left outstanding or unexecuted. It also says Alta Pay is not a bank and takes no deposits.