Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Erste Bank Crna Gora review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Erste Bank Crna Gora suits people in Montenegro who want a euro transaction account plus a fixed savings deposit, and less anyone chasing a wide currency list. The savings side takes €100 to open and locks money for 36, while the account charges a monthly fee of €0.69 to €1.29.

Key facts

Best for
A euro account in Montenegro with a fixed savings deposit alongside it
Monthly fee
€0.69 to €1.29↗
Currencies
4↗
Free ATM withdrawals
€0↗
Transfer fee
No fee for cash payouts from the client's account and for setting up a standing order (euro transaction account)↗
Legal entity
Erste banka Crna Gora↗
Headquarters
Montenegro↗
Support channels
Chat, Phone, Help-centre↗
Audience
Teens
Pricing model
Fixed rate
Features
Free ATM withdrawals
Official website
erstebank.me

Savings

Rate type
Fixed↗
Term
36 months↗
Minimum deposit
€100↗
Access terms
Term deposit from EUR 100, up to 36 months + 1 day, interest paid at maturity or monthly, quarterly, semiannually or annually, in EUR, USD, GBP, CHF, for residents and non-residents↗
Account kind
Fixed↗

Money transfer

Payout methods
Bank, Cash-pickup, Card↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play

Pros and cons

Pros

  • Cash payouts and standing orders carry no fee on the euro transaction account
  • The savings deposit pays interest at maturity, or monthly, quarterly, semiannually or annually
  • Savings are available in EUR, USD, GBP and CHF to residents and non-residents
  • Support runs on chat, phone and help centre

Cons

  • The euro transaction account is not free, with a monthly fee of €0.69 to €1.29
  • The currency list is short at 4
Erste Bank Crna Gora

Ready to try Erste Bank Crna Gora?

Scored 8.6 / 10 by VaultCue.

See alternatives

Who it suits

  • People living in Montenegro who earn or hold euros
  • Savers who want fixed interest for a set period
  • Residents and non-residents wanting savings in EUR, USD, GBP or CHF

Who should look elsewhere

  • People who want a fee free account, since the euro transaction account charges €0.69 to €1.29
  • Anyone holding many currencies, because the list is 4

How Erste Bank Crna Gora compares

Where Erste Bank Crna Gora is available

Available
Montenegro

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the account cost each month?+

The euro transaction account for domestic and international payments in euro charges a monthly fee of €0.69 to €1.29. Cash payouts from your own account and setting up a standing order carry no fee on that account.

Can I open a savings deposit with a small amount?+

Yes. The term deposit starts at €100, so the entry point is modest. Interest is fixed, and it is paid at maturity or monthly, quarterly, semiannually or annually.

How long must I leave the savings money in place?+

The savings side is fixed and runs for 36, so the money is tied up for a set stretch. That suits savers who can leave funds untouched, and rules out anyone needing instant access to the balance.

Which currencies can I hold?+

The account side covers 4 currencies, and the savings deposit can be held in EUR, USD, GBP and CHF. The term deposit is open to both residents and non-residents.

Is there a fee for taking money out in cash?+

No. Cash payouts from your own account are free, and setting up a standing order is free as well. Payouts can go to a bank account, a cash pickup point or a card.

How do I get help if something goes wrong?+

Support runs on chat, phone and help centre, so you can reach the bank by live chat, by phone or through the help centre. The legal entity behind the brand is Erste banka Crna Gora.

Who is this account aimed at?+

It is built for teens and everyday euro banking in Montenegro. The audience is tagged as teen, and the legal entity is Erste banka Crna Gora.

Is the account free at ATMs?+

The allowance of free ATM withdrawals is €0, so there is no charge for cash machine use as listed. That applies alongside the monthly account fee of €0.69 to €1.29.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.

Erste Bank Crna Gora

Erste Bank Crna Gora

A euro account in Montenegro with a fixed savings deposit alongside it

8.6/10See alternatives