ATM Fees in Montenegro
Euro (EUR) • Updated April 2026
Montenegro uses Euros and has good card acceptance in tourist areas. Cash useful for smaller establishments. ATMs available in main towns. Increasingly tourist-friendly.
Tips for Montenegro
- • Euro is official currency
- • Cards accepted at hotels and restaurants
- • Cash for markets and small cafes
- • CKB and Erste Bank have ATMs
- • Coastal areas more card-friendly
Airport tips
- • Podgorica and Tivat airports have ATMs
- • Cards accepted at airports
- • Get cash for taxis
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Montenegro, per person.
Backpacker
Hostels, street food, public transport
EUR/day
≈ $54.85-128 USD
Mid-range
Hotels, restaurants, mix of transport
EUR/day
≈ $152-298 USD
Luxury
Premium hotels, fine dining, private transport
EUR/day
≈ $408-852 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Montenegro.
Credit card acceptance
Moderate to HighGood in tourist areas. Cash for smaller establishments.
You'll need cash for
- • Small cafes
- • Markets
- • Some taxis
- • Rural areas
Cards usually accepted
- • Hotels
- • Restaurants
- • Supermarkets
- • Tourist businesses
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| CKB | 4-5 EUR | 0% | Visa/MC rate | ~4.00 USD | 40 | Charges fee for foreign cards |
| Erste Bank | 4-5 EUR | 0% | Visa/MC rate | ~4.00 USD | 30 | Standard fees for tourists |
| Prva Banka | 4-5 EUR | 0% | Visa/MC rate | ~4.00 USD | 25 | Available |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| CKB | 4-5 EUR | 0% | Visa/MC rate | ~4.00 USD | 40 | Best coverage |
| Erste Bank | 4-5 EUR | 0% | Visa/MC rate | ~4.00 USD | 30 | Good network |
| Prva Banka | 4-5 EUR | 0% | Visa/MC rate | ~4.00 USD | 25 | Available |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Montenegro:
View all ATM alliances →