In this study we investigate the level of adoption of internet banking in Bosnia and Herzegovina across gender, age group and education levels. Data is collected true the google forms questioner. We use descriptive statistics and inferential statistics to test out hypothesis in SPSS 22. We find out that some of the main reasons of not adopting internet in providing some of the banking services are security issue and that clients do not find reason for use of internet banking. Study suggests that significantly lower transaction cost and faster transaction process are important reason for increase in internet banking adoption by clients in Bosnia and Herzegovina. Also, we find out that null hypothesis regarding distribution of internet banking adoption across gender, age group and education level cannot be rejected.