The Central Bank of Montenegro’s Council adopted amendments to its tariff decision that will cut by 50% the fees banks pay for central bank services in the RTGS and DNS payment systems from 1 December 2025, alongside draft laws and related decisions intended to align key parts of the regulatory framework with European standards and improve payment system efficiency. Under the revised tariff, the fee for executing an order of EUR 1,000 will fall from EUR 0.10 to EUR 0.05, while the fee for orders exceeding EUR 1,000 will fall from EUR 1.50 to EUR 0.75. The Council framed the reduction as enabling banks to lower fees for end-users and as supporting implementation of the national instant payments system (TIPS Clone), being developed with the Banca d’Italia and the European Central Bank and expected to be available to Montenegrin citizens from late July 2026. On resolution, a draft law amending the Law on Resolution of Credit Institutions would introduce clearer regulatory treatment for entities whose resolution plan предусматривает bankruptcy only, and amendments to the detailed content rules for resolution plans will require a separate internal resolution manual covering procedures, responsibilities and communications. A further draft law on consumer payment accounts would require all credit institutions headquartered in Montenegro to offer accounts with basic features and would extend eligibility to additional client categories, including recipients of the lowest pensions, temporary payments from the Pension and Disability Fund and child allowance; the basic account features listed include free opening, maintenance and closure, free outgoing payments and teller and ATM cash withdrawals, and ten free national payment transactions per month. The Council also appointed dr Marko Škreb, former Governor of the Croatian National Bank, as a member of its Advisory Committee.
Central Bank of Montenegro 2025-11-10
Central Bank of Montenegro halves RTGS and DNS service fees and adopts EU-alignment drafts on bank resolution and basic payment accounts
The Central Bank of Montenegro's Council adopted amendments to reduce bank fees for central bank services in RTGS and DNS payment systems by 50% from December 2025, aiming to enhance payment system efficiency and align with European standards. The revised tariff will lower fees for executing orders, supporting the national instant payments system (TIPS Clone). Additionally, draft laws propose clearer regulatory treatment for credit institution resolutions and mandate basic consumer payment accounts for all Montenegrin credit institutions.