Is cash still widely used?
Yes. Montenegro uses the euro but is not in the EU, and its payment infrastructure lags behind EU countries. Coastal towns like Kotor, Budva, and Herceg Novi have reasonable card acceptance at tourist businesses. Inland areas, local restaurants, and markets rely on cash.
ATMs and withdrawing cash
ATMs are available in coastal towns and Podgorica. CKB and Erste Bank machines accept foreign cards.
- Fees are around 3 EUR per withdrawal for foreign cards
- Good availability in tourist coastal towns
- Mountain areas like Durmitor have limited ATM access
Card acceptance
Moderate in tourist areas. Visa and Mastercard are accepted at hotels and tourist restaurants along the coast. Inland and local businesses require cash.
Tips for travelers
- Montenegro is still relatively affordable compared to Western Europe
- Carry cash for inland travel, local restaurants, and national parks
- Durmitor National Park facilities may be cash-only
- Tipping 10% is appreciated in tourist restaurants