The National Bank of Serbia (NBS) announced that starting December 1, the Central Register of Electronic Bills of Exchange (CReM) will become operational, allowing bills of exchange to be issued and used in digital form for the first time in Serbia. Until now, these documents were available only in paper format.
To enable this change, the NBS Executive Board adopted new regulations detailing the conditions, content, and operation of the CReM, as well as amendments to the rules on enforced collection from client accounts and the NBS service fee tariff.
CReM is a modern digital platform developed by the NBS that allows all actions related to bills of exchange—creation, issuance, transfer, payment submission, and cancellation—to be performed electronically, quickly, and without paper documentation. This innovation will save time and costs for both businesses and citizens.
All data will be securely stored within CReM, which functions as a public register, ensuring transparency, reliability, and legal certainty in transactions involving electronic bills of exchange.
Clients will access the system via online or mobile banking applications, using a qualified electronic signature (through the ConsentID app of the Office for IT and eGovernment) to sign and manage electronic bills.
In legal and enforcement proceedings, an extract from CReM issued by the NBS will serve as an official public document. The NBS stated that fees for issuing and using e-bills will be lower than current fees for paper-based bills.
Banks will be required to enable the use of electronic bills of exchange for all legal entities and entrepreneurs from December 1, 2025, and for citizens by the end of November 2026, completing the full digitalization of banking processes related to bill issuance and eliminating the need for in-person visits to banks.
