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Abstract cover for an article on payment institution and e-money licensing under Montenegro's Payment Operations Act

Montenegro Banking & Compliance

Montenegro Licenses Payment Institutions — and Has Not Licensed a Single E-Money Institution

Montenegro licenses payment and e-money institutions under its Payment Operations Act. Capital floors, the 90-day CBCG decision, and the 2026 deadlines.

25 August 2026

Cover illustration: the compliance layer behind a crypto company's bank account in Montenegro

Montenegro Banking & Compliance

Why Your Crypto Company Cannot Get a Bank Account — and What Actually Answers It

The account problem is a compliance problem. Article 53c, the travel rule in Article 40f and the passivisation power explain what banks react to.

20 August 2026

Montenegro Banking & Compliance

The Montenegrin Bank-Account Bottleneck: Why Turkish Entrepreneurs Are Being Refused and Bank-by-Bank Solution Strategies (2026)

Formed a Montenegrin DOO but your bank account won't open? CKB, NLB, Erste, Ziraat Bank refusal grounds and 8 solution strategies — from a Budva-based lawyer.

17 April 202625 min read