Montenegro

ME · MNE · 499EuropeEUR €14 methods

Revised · 5 sources

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SEPA inclusion approved in November 2024 — a landmark step toward EU payment integration

~0.55M

online population

~6.4%

of total retail

~90%

banked adults

~50%

credit card population

Mix Methods Behaviour Banks Sources Facts

Payment mix

share of e-commerce spend

CategoryLeading methodShare

Cash on Delivery—40%
CardVisa40%
Bank Transfer—12%
E-WalletGoogle Pay6%
Other—2%

Methods in use

top 8 of 14 · by spend

MethodTypeShare

All 14 methods in Montenegro →

Checkout behaviour

Internet payment users tripled from ~75,000 to ~225,000 between 2020 and 2024

Mobile payment users grew from ~72,000 to over 208,000 in the same period

~6.4%

e-commerce of retail

Facts

ISO 3166: ME · MNE · 499
Region: Europe
Population: 0.62M
Currency: EUR €
Internet use: ~89%
Banked adults: ~90%
Methods live: 14
Banks covered: 3

Largest banks

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Sources

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