Addiko Bank Crna Gora review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
Addiko Bank Crna Gora is known for fast loan decisions and everyday banking through branches and digital channels in Montenegro. It operates branches in Podgorica and other locations with mobile and internet access, and it serves people who want quick applications and personal guidance.
Key facts
- Best for
- Fast loan applications with branch and digital access
- Transfer fee
- EUR 1.99 per SEPA transfer via e/m-banking up to EUR 20,000 (first daily transfer up to EUR 200 free); EUR 25.00 above EUR 20,000↗
- Legal entity
- Addiko Bank AD Podgorica↗
- Headquarters
- Montenegro↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- addiko.me
Savings
Money transfer
- Delivery time
- 1 business day (standard SEPA transfer)↗
- Payout methods
- Bank, Cash-pickup↗
- Fee to send 1,000
- €1.99↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Answers loan requests within minutes through online requests or branch visits
- Credit cards can be requested in branches or through online requests
- Mobile application manages finances from home and while travelling
- Cash machines accept deposits and withdrawals across several accessible zones
Cons
- Branch network remains focused on Montenegro for in person service
- Everyday offer centres on loans, cards and basic account management
Who it suits
- People seeking fast credit decisions
- Drivers paying for fuel through business cards
- Shoppers buying at partner outlets with personal ID
Who should look elsewhere
- People living outside Montenegro
- People preferring purely digital banking without branch visits
How Addiko Bank Crna Gora compares
Frequently asked questions
What products does Addiko Bank Crna Gora provide?+
The bank provides cash loans for different personal needs and credit cards requested in branches or online. Cards for legal entities support payments at fuel stations. Mobile and internet banking support daily finance management alongside in person branch service.
Where does Addiko Bank Crna Gora operate?+
The bank operates in Montenegro and serves customers through branches including a location in Podgorica. Cash machines stand in several locations with zones open at all hours. Online requests and mobile access allow management from home or while travelling.
How does digital banking work with this bank?+
The mobile application lets customers manage finances from home or while travelling with additional functions for daily oversight. Internet banking provides separate online access for everyday tasks. Customers can start requests online and visit branches for personal guidance.
Who can use the services of this bank?+
Services address individuals who need quick and efficient solutions for different life situations. Applications can start online from home or in person at branches. Staff provide guidance and aim to complete lending steps during the same visit.
Does the bank support purchases with partners?+
The bank supports shopping with partners where a personal ID suffices for the purchase process. Branch staff explain the available steps and required documents. Mobile and internet access help customers follow finances after the purchase.
Sources
- addiko.me checked September 26, 2026
Backs: Headquarters
“Addiko Bank Crna Gora”
- addiko.me/gradjani/racuni/paketi/welcome-paket checked September 26, 2026
Backs: Payout methods
“Podizanje gotovine: Addiko bankomati u zemlji - neograničeno; Bankomati drugih banaka u zemlji - 1x bez naknade”
- addiko.me/gradjani/racuni/sepa-transakcije checked September 26, 2026
Backs: Delivery time, Transfer fee, Fee to send 1,000
- addiko.me/gradjani/stednja/orocena-stednja checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Rate type, Term
“Savings deposits may be terminated with at least 5 business days' notice, in which case the on-demand savings rate applies; choose monthly interest payout or payout at the end of the term”
- addiko.me/o-nama/o-addiko-banci/osnovni-podaci checked September 26, 2026
Backs: Legal entity, Support channels
“Addiko Kontakt centar: Tel. 19990 ... +382 20 408 600 za pozive iz inostranstva; E-mail info.me@addiko.com”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee, Currencies.