Take out a loan on your transaction account through a quick and simple procedure! Secure extra funds when unexpected expenses arise.


Allowed current account overdraft (debit cards)
Disbursement method to the client’s account
Loan amount up to €10.000
Term up to 24 months
Repayment method lump sum at maturity
Nominal interest rate 2,00% monthly
Loan approval fee 0,00%
Default interest rate on outstanding receivables 2,00% monthly
Currency EUR

  • Decision on administrative prohibition of the client (co-debtor or guarantor);

  • At minimum, one blank promissory note signed by the client with promissory authorization.


The above-defined collateral instruments do not limit the Bank, which, in accordance with its risk assessment in a particular case, may refuse to approve the loan or may require the client to provide additional collateral instruments.


An example of the loan

Current account limit (debit cards)
Amount 480,00€
Term (in months) 6
Interest rate (annual) 14,5%

* Please note that there is no annuity for this type of loan, thus after the expiration of 6 (six) months the client can extend the same or repay it in its entirety.

  • Request for granting a limit;
  • ID card;
  • Statement on related parties;
  • The approval of access to data of the Credit Registry of the Central Bank of Montenegro;
  • The statement of the current account used for the payment of salaries or other income during the period of time which is (as a rule) 3 months prior to the month of submitting the Application;
  • Applicant’s salary administrative withholding order.

Current Accounts

Foreign currency accounts

E-banking