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 2.5x net income after deductions from personal earnings*

In the calculation of the available 1/2 and 1/3 of salary/pension, an amount equal to 5% of the approved limit is taken into account, whereby the limit may not exceed 2.5 times the net income
Term up to 24 months
Repayment method bullet repayment at maturity
Nominal interest rate 14.26% per annum
Loan approval fee 0,00%
Default interest rate on accrued unpaid receivables 2.00% per month
Currency EUR
*The total exposure based on authorized overdraft on the transaction account and all credit cards may not exceed EUR 10,000.00.

  • 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) 14,26%

* 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