The National Bank of Serbia published an explainer on its Central Registry of Electronic Bills of Exchange (CReM), describing how electronic bills of exchange can be created, signed, registered, transferred and submitted for collection digitally, following the launch of e-bills of exchange from 1 December 2025. The registry is presented as a controlled environment designed to reduce misuse by ensuring each e-bill of exchange is uniquely identified and its lifecycle is centrally recorded. CReM operates as a web application accessed via a user’s e-banking channel, with banks providing reliable identification of who is accessing the system and confirming key actions with legal effects such as issuance, validation, transfer or deletion through an automated secure link with CReM. Use of e-bills of exchange and certain actions in the application requires a qualified electronic signature, with ConsentID cited as a current option. The National Bank of Serbia also sets out legal enforceability, noting that rights can be exercised in court using an official extract issued by the National Bank of Serbia via the application, and it outlines pricing, including a maximum RSD 50 fee for registering an electronic bill of exchange compared with approximately RSD 200 for paper bills, while stating that banks must not charge a fee to enable customers to start using the service. Legal entities and entrepreneurs can already use CReM, while citizens are expected to be able to access the register from end-November 2026. Banks, acting as creditors and debtors, are scheduled to become users of CReM from 1 June 2026 and will then be required to accept customers’ electronic bills of exchange in banking operations where customers choose digitised bills rather than paper, without steering them back to paper instruments.
National Bank of Serbia 2026-01-30
National Bank of Serbia sets out how the Central Registry of Electronic Bills of Exchange works with a RSD 50 registration fee cap and a June 2026 bank acceptance requirement
The National Bank of Serbia detailed its Central Registry of Electronic Bills of Exchange (CReM), which facilitates the digital creation, signing, registration, transfer, and collection of e-bills of exchange, operational since 1 December 2025. Legal entities and entrepreneurs can currently use CReM, with banks joining by 1 June 2026, and citizens gaining access by end-November 2026, while banks must not charge fees for enabling the service.