In accordance with the Decision of the National Bank of Serbia, dated December 1, 2025, the Central Register of Electronic Bills of Exchange (CReM) started its work.

According to this Decision, an electronic bill of exchange is also considered a bill of exchange, which represents a digital version of a bill of exchange in terms of the law governing the bill of exchange, with the provision "no protest" and which, as a set of data in electronic form, is kept, stored and used in the Central Registry of Electronic Bills of Exchange.

The Central Register of Electronic Bills of Exchange is a special software solution managed by the National Bank of Serbia, within which bills of exchange in electronic form are centrally recorded and where data about electronic bills of exchange and their use are stored.

Legal entities and entrepreneurs will be able to work with e-bills, which includes:

• Overview of e-bills
• Registration and transfer of e-bills
• Acceptance of e-bills
• Validation of e-bills
• Endorsement of e-bills
• Payment of e-bills
• Revocation of e-bills
• Withdrawal of e-bill collection orders

In order to register to work on the CReM portal through Banca Intesa, you need to:

• have a contracted InHouse e-banking service (Officebanking and BizOnline) or BizMobi service, as well as installed the latest versions of the applications;
• have an active Consent ID application with an electronic signature, which can be activated through the digital banking application for individuals (Banca Intesa Mobi and Banca Intesa Online) or in one of the branches of Banca Intesa, as well as in competent institutions for issuing certificates;
• contact your banker at Banca Intesa.

You can find additional information about the new functionalities on the portal of the Central Register of e-bills. See instructions HERE.

• Digitization and Time Savings

The creation, signing, transfer, deletion, and collection of promissory notes are carried out electronically, without the need to visit the bank or wait in line, which speeds up processes and saves time.

• Easier and Faster Collection

Creditors benefit from a simpler and more efficient collection process, while debtors can view the current status of the promissory note at any time.

• Permanent Data Storage and Protection

All promissory note data is permanently stored and protected in the Central Registry of Bills of Exchange (CReM).

The bank also adopted a new Tariff of fees, which is an integral part of the Framework Agreement for payment accounts and payment services and which also includes the tariff items related to the new functionality of e-bills.