LOVA review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
LOVA is a domestic digital wallet that keeps everyday payments, transfers and crypto activity inside a phone app. It suits people who handle household bills, parking, gift cards and digital goods regularly without visiting counters and who stay on the move.
Key facts
Crypto exchanges
- Regulators
- Banking Agency of the Republic of Srpska↗
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Elsewhere
- LinkedInfacebook.cominstagram.com
Pros and cons
Pros
- Covers bills, parking, eSIMs, vignettes and gift cards in one place
- Supports buying, selling and saving selected cryptocurrencies in wallet
- Moves money between people and merchants through a phone app
- Accepts merchant payments and gives businesses another sales channel
Cons
- Focuses on one domestic market rather than broad international coverage
- Runs as a phone centred wallet without physical branch service
- Links everyday use to a mobile app on Android or iOS
Who it suits
- People who pay household bills and parking from a phone
- Travellers who need eSIMs, vignettes and distant transfers
- Small sellers who want mobile payments from customers
Who should look elsewhere
- People who want branch based banking
- People who avoid managing money through a phone app
How LOVA compares
Frequently asked questions
What is LOVA?+
LOVA operates as a domestic digital wallet that runs through a mobile application for Android and iOS. It supports sending money, receiving money and paying for everyday needs. Funds stay in the wallet until you move them or spend them.
Which everyday payments does LOVA cover?+
The wallet covers household utility payments such as electricity, water, heating, phone, internet and television. It also supports parking payments, gift cards, top ups, eSIMs and vignettes. Online purchases can be completed from home without visiting a counter.
How does cryptocurrency work inside LOVA?+
LOVA includes buying and selling of selected cryptocurrencies inside the same wallet environment. Users can also start crypto saving alongside regular payments and transfers. The option sits beside other digital goods such as gift cards and top ups.
Who is LOVA intended for?+
LOVA addresses people who handle frequent bills, transfers and travel related purchases from a phone. It suits users who move often and send money across distances. Businesses can also accept customer payments through the system.
Which company operates LOVA?+
LOVA is operated by Digital Money Transfer d.o.o.. (Source, checked September 26, 2026)
Where is LOVA based?+
LOVA is based in Bosnia and Herzegovina. (Source, checked September 26, 2026)
How can I contact LOVA support?+
LOVA offers support through Help-centre. (Source, checked September 26, 2026)
Sources
- lova.ba checked September 26, 2026
Backs: Headquarters, Legal entity, Regulators
“Banja Luka, Republic of Srpska, Bosnia and Herzegovina”
- support.lova.ba checked September 26, 2026
Backs: Support channels
“Lova podrska - Prosledi tiket - Pocetna - Video tutorijali”
- lova.ba checked September 26, 2026
Backs: Features
“Iskoristite nase partnerstvo sa BCX platformom za sigurnu, brzu i jednostavnu kupovinu, prodaju i cuvanje najpopularnijih kriptovaluta”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.