# Serbia: can you charge foreign customers in euros online?

> The NBS says Serbian sellers may charge foreign buyers in euros. Why checkout still shows dinars, and two routes you can use today.

**The problem:** "My buyers are in Germany and the US. My checkout shows them dinars. Some of them leave. Am I even allowed to charge them in euros?"

Yes. You can charge foreign customers in euros online from Serbia: in an official opinion announced by NALED on 1 May 2026, the National Bank of Serbia said there are no regulatory obstacles to residents charging non-resident consumers in foreign currency. If your checkout still shows dinars, that comes from your bank’s, processor’s or platform’s policy, not from the law. Today you can ask your bank for foreign-currency card acceptance, or sell through a merchant of record such as AgentaOS that charges the buyer in EUR or USD and pays you out to your devizni account.

## What are the key facts?

- **Allowed:** the NBS found no regulatory obstacles to charging non-resident consumers in foreign currency ([N1, 1 May 2026](https://n1info.rs/english/news/naled-nbs-confirms-the-possibility-of-online-foreign-currency-payments-from-non-residents/)).
- **Where the payment happens:** it follows the payer’s bank. A non-resident paying through their bank abroad is not making a payment executed in Serbia (same source).
- **Dinars at checkout:** not set by foreign exchange rules. The platform and the payment service provider decide it (same source).
- **Still open:** NALED says banks, payment processors and e-commerce platforms now need to align their business policies ([Biznis.rs](https://biznis.rs/novac/naled-nbs-potvrdila-mogucnost-online-naplate-u-devizama-od-nerezidenata/)).
- **Via AgentaOS:** 4.5% + €0.50 per sale, +1.5% on cards issued outside the EEA, €0 a month ([pricing](https://agentaos.ai/pricing), [every fee](https://agentaos.ai/merchant-of-record-fees)). Payouts in EUR or USD to your bank in Serbia on the 1st and 15th ([Serbia](https://agentaos.ai/countries/serbia)).

## Who is this for?

You sell online from Serbia: an e-shop with digital goods, software, a SaaS, an online course or templates. Some of your buyers live abroad. At the last step of checkout they see a price in RSD. You want them to see and pay EUR (or USD), and you want to know what is allowed and what you can do this week.

## What did the NBS say?

On 1 May 2026, NALED announced the NBS opinion. NALED’s Small Business Council had asked the NBS for it. According to [N1’s report](https://n1info.rs/english/news/naled-nbs-confirms-the-possibility-of-online-foreign-currency-payments-from-non-residents/):

“In its official opinion, the National Bank of Serbia confirmed that there are no regulatory obstacles preventing residents from charging non-resident consumers in foreign currency.”

“When a non-resident initiates a payment through their bank abroad, the transaction is not considered to have been executed in the Republic of Serbia.”

“Displaying prices in dinars at the final stage of the purchase is not governed by foreign exchange regulations but depends on the policies of the platform and payment service provider.”

NALED says the confusion came from different readings of the Law on Foreign Exchange Operations, mainly Articles 32 and 34. The quotes above are N1’s English report of NALED’s announcement. We have not seen the NBS opinion text itself. The Serbian-language report is on [Biznis.rs](https://biznis.rs/novac/naled-nbs-potvrdila-mogucnost-online-naplate-u-devizama-od-nerezidenata/).

## Why does my checkout still show dinars?

The opinion settles the legal question. It does not change your payment setup by itself. NALED’s next step is for banks, processors and platforms to align their policies. Until yours does, the buyer may still see RSD at the last step.

That costs you sales. NALED says dinar-only checkout makes foreign buyers abandon the cart at the final step, because an unfamiliar currency “can create the impression of fraud” ([N1](https://n1info.rs/english/news/naled-nbs-confirms-the-possibility-of-online-foreign-currency-payments-from-non-residents/)).

We do not know which Serbian banks have changed their policy. Ask yours directly.

## Which two routes can you use today?

||Route A: your bank or processor|Route B: merchant of record (AgentaOS)|
|Who is the seller|You. The invoice is in your name.|AgentaOS (Aristokrates OÜ, Estonia). The buyer gets the invoice from AgentaOS.|
|Currency the buyer sees|Depends on your bank’s or processor’s policy. Ask them.|EUR or USD on the AgentaOS checkout, by card, Apple Pay or Google Pay|
|Who handles VAT, refunds, disputes|You|AgentaOS|
|What you can sell|What your bank or processor contract allows|Fixed-price digital products, subscriptions, courses and approved service packages. No physical goods.|
|Payout|Into your account, per your bank contract|EUR or USD to your own devizni account in Serbia, on the 1st and 15th|
|Company needed|Check with your bank|No. Individuals and companies can sell.|

Sources: [N1](https://n1info.rs/english/news/naled-nbs-confirms-the-possibility-of-online-foreign-currency-payments-from-non-residents/), AgentaOS [Terms](https://agentaos.ai/terms), [pricing](https://agentaos.ai/pricing), [Serbia](https://agentaos.ai/countries/serbia). Bank gateway options: [payment gateway in Serbia](https://agentaos.ai/answers/payment-gateway-serbia).

## What does a €49 course leave you?

A buyer abroad buys your €49 course on the AgentaOS checkout. The price is before VAT. EU buyers pay VAT on top, and AgentaOS files it ([Serbia](https://agentaos.ai/countries/serbia)).

||EEA card (e.g. Germany)|Non-EEA card (e.g. the US)|
|Sale|€49.00|€49.00|
|Percentage fee|4.5% = €2.205|4.5% + 1.5% = 6% = €2.94|
|Fixed fee|€0.50|€0.50|
|Total fee|€2.705, about €2.71|€3.44|
|You get|€46.295, about €46.30|€45.56|

Payment fees only, from [pricing](https://agentaos.ai/pricing) and [every fee](https://agentaos.ai/merchant-of-record-fees). On a new account, up to 15% of each sale is held for 120 days and then released ([Terms](https://agentaos.ai/terms)). On this sale, that is up to €7.35.

## How do I start charging foreign buyers in euros, step by step?

- **See what your buyer sees.** Ask a friend abroad to open your checkout and screenshot the last step. Note the currency and the card brands shown.
- **Open a foreign-currency account.** Get a devizni account in EUR (or USD) in your own name at your bank in Serbia. You need it for either route.
- **Ask your bank in writing.** Ask whether they can show and charge EUR to cards from abroad on your shop. Name the NBS opinion that NALED announced on 1 May 2026, and link the [N1 article](https://n1info.rs/english/news/naled-nbs-confirms-the-possibility-of-online-foreign-currency-payments-from-non-residents/).
- **Ask your platform or processor the same question.** The NBS said the dinar display depends on their policy. Get their answer in writing too.
- **Talk to your accountant.** Ask how to book foreign-currency income, and how to declare payouts if you use a merchant of record ([how to declare MoR payouts](https://agentaos.ai/answers/how-to-declare-merchant-of-record-payouts)).
- **If the answer is no or “later”, check whether Route B fits you.** It fits if you sell a fixed-price digital product, a subscription or a set package. Create the product in EUR on AgentaOS.
- **Put the euro price on your site.** Link each product to its euro checkout. Keep the dinar checkout for buyers in Serbia if it works for them.

## Checklist: before you switch to euros

- ✓**Screenshot of what a foreign buyer sees at the last step today
- ✓**Devizni account in EUR or USD, in your own name
- ✓**Written answer from your bank on foreign-currency card acceptance
- ✓**Written answer from your platform or payment processor
- ✓**Accountant’s note on how to book and declare foreign-currency income
- ✓**Product is a fixed price, the same for every buyer (needed for Route B)
- ✓**Cash plan that covers the 15% hold on a new account (Route B)

## When is AgentaOS the wrong choice?

- **You sell physical goods.** AgentaOS does not allow physical goods or anything shipped ([Terms](https://agentaos.ai/terms)).
- **You bill per client or by the hour.** Custom per-client work is never allowed. Services only work as fixed packages, the same for every buyer, on approved accounts ([Terms](https://agentaos.ai/terms)). For one client abroad, see [how to invoice a US client from Serbia](https://agentaos.ai/answers/invoice-us-client-from-serbia).
- **Your bank already charges foreign cards in euros for your shop.** Then you may not need us. You stay the seller and keep your current setup.

## Related questions

### Is it legal to charge foreign customers in euros from Serbia?

Yes. According to NALED's 1 May 2026 announcement, the NBS found no regulatory obstacles to residents charging non-resident consumers in foreign currency. Confirm your own case with your bank and accountant.

### Why do my foreign buyers still see dinars?

The NBS said the dinar display at the final step depends on the platform's and payment provider's policy, not on foreign exchange rules. Ask your bank and platform to change it.

### Do I need a company to get paid in euros?

Not with AgentaOS. Individuals and companies can sell. You need a foreign-currency (devizni) account in your own name in Serbia. Payouts arrive in EUR or USD on the 1st and 15th.

### What does AgentaOS charge per sale?

4.5% + EUR 0.50 per sale, plus 1.5% on cards issued outside the EEA, and EUR 0 a month. On a EUR 49 sale with an EEA card, you get about EUR 46.30.

### Who handles VAT and refunds?

If your own bank or processor charges the buyer, you are the seller, so VAT, refunds and disputes are yours. With AgentaOS as merchant of record, AgentaOS is the seller and handles VAT, sales tax, refunds and disputes.

Reviewed by Panche Isajeski, founder of AgentaOS. Checked 9 November 2026.

https://agentaos.ai/answers/serbia-charge-foreign-customers-in-euros