The local currency is the Convertible Mark KM, which is tied to the Euro at a rate of 1KM to 0.51129E at the time of press. Convertible Mark coins come in denominations of 5, 10, 20, 50 pfenings and 1, 2, 5 Marks while banknotes come in 10, 20, 50, 100 and 200 Marks. Many establishments especially hotels accept Euros notes only. ATMs are all over the place with MasterCard, Visa and other offshoots being accepted. Credit Cards such as Visa, MasterCard and Diners Club are readily accepted by larger establishments all over the country. When changing money, it is best to ask for small bills as shops often are hard-pressed for change. Traveler cheques can be readily changed at Raiffeisen and ZagrebaÄka Banks.
tipping
It is not compulsory to tip in Banja Luka, though a reward of about 10% for good service in restaurant or bar is always appreciated.