Opening a Bank Account in Montenegro: A Guide (2026)

Opening a bank account in Montenegro is an important step for daily life and property/company transactions in this euro-using country. Personal accounts typically require a valid passport, proof of a Montenegrin address, and sometimes a tax number and source-of-funds declaration. Company accounts (after forming a DOO) require registration documents, tax number (PIB), director IDs and a UBO declaration. Most banks require an in-person application; prepare apostilled, translated documents in advance. To coordinate banking, company setup and residence together, see our company & residence service.