Dear Sir/Madam,

As of December 1, 2025, the National Bank of Serbia is introducing the Central Register of Electronic Bills of Exchange (CReM) – a modern digital platform that enables completely electronic use of bills of exchange, without paper documentation.

Benefits of using the Central Register of Electronic Bills of Exchange (CReM):

• Easy access – use through existing electronic banking applications, with confirmation of bill of exchange transactions via qualified cloud electronic certificate (ConsentID application).
• Greater speed and efficiency – creation, issuance, transfer and collection of bills of exchange are performed online, without visiting the Bank.
• Security and transparency – all data is stored in a public register, with full legal security.
• Legal validity – Bill of Exchange Extract from CReM represents a public and authentic document in court and enforcement proceedings.

To access the CReM portal, it is necessary to:

• Have the legal representative authorize a person to access the CReM portal at the nearest Bank branch.
• Have the authorized person be a user of the Bank’s electronic banking for legal entities and entrepreneurs (available for ALTA eBiz and Asseco OfficeBanking users).
• Activate the cloud qualified electronic certificate through the eGovernment portal, using the ConsentID application (registration at Bank branch).

For all additional information, we are at your disposal:

• Contact center: +381 11 22 05 500
• E-mail: info@altabanka.rs
• Bank branches

Best regards, ALTA Banka