Frequently Asked Questions about the Lova App

Registering for the Lova app is simple: enter your email address, create a password, fill in your basic information, and attach the required documentation.

Tutorial: How to register for Lova

Registration and opening a Lova account are completely free — with no account maintenance fees.

We accept utility bills (electricity, water, phone), a CIPS certificate, or any document from a government institution that clearly states your name, address, and date (not older than 3 months).

Verification is carried out by our administrators within 24 hours on business days (Mon–Fri, 8 AM–4 PM).

The account must be in your name, but it doesn't have to be in BAM currency; it can also be an account you have opened abroad in another currency.

Yes. In the app, under the option “More > Financial Accounts”, you can add multiple bank accounts in your name.

Lova is a digital wallet that allows you to:

• sending money to other users (P2P money transfer)

• issuing and paying with a VISA card

• paying utility bills

• purchasing top-ups and vouchers

• QR code payments

• paying for parking

• applying for quick loans

• buying and selling cryptocurrencies

• purchasing electronic vignettes

• purchasing e-SIM internet cards

• cash withdrawals at ATMs and locations

• and much more.

You can deposit money via:

• Banks

• Bank card

• Lova voucher

• Lova top-up

• Lova deposit machine

• xBon code

• Transfer from BCX

Withdrawal is available via:

• Bank transfer

• Lova deposit machine locations (gas stations, kiosks)

• Nova Bank ATMs throughout RS

You can pay with Lova at designated points of sale throughout BiH.
📍 View location map: List of points of sale

Deposits made by 1 PM on weekdays are usually posted the same day.
Deposits made after 1 PM will be processed the next business day.
Card deposits are instant.

Withdrawals made by 1 PM on weekdays are processed the same day; those made after 1 PM are processed the next business day. For amounts over 3,000 KM, processing takes 3–5 business days.

On the home page, select “Send,” enter the recipient's email or wallet ID, and the amount you wish to send — the transaction is instant and hassle-free.

On the home page, select “BCX Services” → “Exchange”, enter the amount, and confirm the transaction.

Tutorial: How to Buy, Sell, Send, and Receive Cryptocurrency

Yes. Lova, in cooperation with the BCX platform, offers a custody (hot wallet) service – secure storage of your cryptocurrencies directly in the app.

Yes. Registration is also available for legal entities.
Contact: info@lova.ba

Lova uses state-of-the-art encryption, multi-layered protection and device authorization to prevent unauthorized access.
Users also have additional protection methods — biometrics (fingerprint or face) or a PIN code, according to their preferences.
The platform is developed according to fintech security standards, and the protection of the user account remains the responsibility of each user.

All fees are publicly available.
See the current price list: Lova Fees

Depozitron allows cash deposits and withdrawals via gas stations, kiosks, and ATMs.

• Deposit: by entering a code you receive from the gambling operator.

• Payout: at locations (kiosks, gas stations, stores, etc.) or via Nova Banka ATMs.

Not manually. Payouts are automatically canceled after 24 hours if you don't collect the funds.

Not directly — but after 24 hours, the previous payout is canceled, so you can create a new one. The app automatically suggests the nearest locations if you have GPS enabled.

At gas stations, kiosks, and stores across BiH.
📍 Location map: lova.ba/mapa-lokacija

Yes. In the “Services > Vouchers” section, you can buy an xBon code directly from the app.

Yes. Lova supports top-ups for m:tel, BH Telecom, Eronet and haloo operators.

Yes. Throughout 2025 and 2026, utility bill payments are free.Supported companies: M:tel, Elektroprivreda RS, Vodovod Banja Luka, Vodovod Prnjavor, Eko Toplane.

If you are experiencing difficulties finding a location or technical issues related to Lova Depozitron deposits, Depozitron withdrawals, Top-ups, and Vouchers, please contact the support of our partner ACKrila:
📞 051 344 460.

If you are experiencing issues with a transaction or other Lova services, please contact our support:
📞 051 981 440
📧 podrska@lova.ba