Coinepay | Send Money to Montenegro | Money Transfer to Montenegro

You can send money to Montenegro quickly and securely with Coinepay, whether you are supporting family, helping a friend or paying a business partner. A money transfer to Montenegro is set up in the Coinepay app, with the exchange rate and fees shown up front and a choice of payout methods for the person receiving the funds.

Fast: transfers can arrive in as little as 10 minutes, depending on the payout method and destination.
Transparent: the exchange rate and all fees are shown before you confirm.
Flexible: bank deposit, mobile wallet and cash pickup payouts are supported.

How to send money to Montenegro

Enter the amount and choose the currency the recipient should receive — Montenegro uses the euro (EUR).
Add the recipient and choose how they will be paid: bank deposit, mobile wallet or cash pickup.
Review the rate and fees, confirm and pay, then track the transfer in the app until it arrives.

How long does a transfer to Montenegro take?

Transfers to Montenegro can arrive in as little as 10 minutes, but the actual time depends on the payout method and the receiving bank or provider; the estimated arrival time is shown in the app before you confirm.

Payout method	What the recipient needs	What affects delivery time
Bank deposit	Full legal name, 22-character Montenegrin IBAN and bank SWIFT/BIC	Receiving bank processing and cut-off times; whether the route is a SEPA euro transfer
Mobile wallet	Name and registered wallet or phone number (where a wallet payout is offered)	Provider processing and whether the wallet is live for the transfer
Cash pickup	Government-issued ID and the transfer reference (MTCN-style code)	Agent location hours and the recipient collecting in person

Other things that can affect speed include receiving-bank cut-off times, weekends and Montenegrin public holidays, identity or compliance checks on either side, and incorrect recipient details — an incorrect name or account number can cause a transfer to be rejected and returned.

How much does it cost to send money to Montenegro?

The exchange rate and every fee are shown in the Coinepay app before you confirm the transfer, so you always see the total and what the recipient will receive before you pay. The total depends on the amount you send, the currencies involved and the payout method you choose. Note that the recipient's own bank or wallet provider may apply an incoming or correspondent-bank fee, so it is worth asking them to check before you send.

Ways to receive money in Montenegro

Bank deposit

Funds are credited to a Montenegrin bank account. You need the recipient's full legal name and address, their IBAN and the bank's SWIFT/BIC. Montenegrin IBANs are 22 characters: ME followed by two check digits, a three-digit bank identifier, a 13-digit account number and two final check digits — enter it without spaces. The SWIFT/BIC is specific to the recipient's bank (for example, CKB uses CKBCMEPG and NLB Banka uses MNBAMEPG), so always use the code your recipient's bank supplies. Montenegro joined the SEPA area for euro transfers in October 2025, though availability for any single transfer still depends on the route and participating providers.

Mobile wallet

Where a mobile wallet payout is available for Montenegro, the recipient provides the name and number registered to their wallet. Wallet availability can vary by transfer, so check the live payout options shown in the Coinepay app when you set up the transfer.

Cash pickup

With cash pickup, the recipient collects the money in person at a participating agent location. They need a valid government-issued ID and the transfer reference number you share with them after paying. Collection depends on the agent's opening hours.

What you need to send money to Montenegro

A verified Coinepay account (registration and identity verification completed).
The recipient's full legal name, exactly as it appears on their bank account or ID.
The payout details for the chosen method — IBAN and SWIFT/BIC for a bank deposit, wallet details for a mobile wallet, or the recipient's name for cash pickup.
The purpose of the transfer, if you are asked for it. Montenegro's foreign-operations rules require a payment purpose to be stated above a central-bank-set amount, and Coinepay may ask for supporting documents such as the purpose or source of funds.

The local currency in Montenegro is the euro (EUR).

How Coinepay keeps your transfer safe

Every transfer is subject to identity verification and sanctions screening of customers and counterparties, in line with local regulations. Card issuance and fund services are provided by licensed partner financial institutions, and connections are encrypted. You can follow each transfer with status tracking in the app, and 24/7 support is available if you need help. Coinepay does not serve sanctioned persons or residents of jurisdictions under comprehensive sanctions. For larger or business payments, keep in mind that providers report statistical data on foreign payments and receipts to Montenegro's central bank, and resident legal entities must keep records of foreign transactions.

Send money to Montenegro with the Coinepay app

Download Coinepay from the App Store or Google Play, then create your account and complete verification to send your first transfer. Need a hand? Contact Coinepay support any time.

Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support

FAQ

What is the fastest way to send money to Montenegro?

Set up the transfer in the Coinepay app, choose the payout method and confirm after reviewing the rate and fees. Transfers to Montenegro can arrive in as little as 10 minutes, depending on the payout method and the receiving bank or provider. The estimated arrival time is shown before you confirm.

How long does a money transfer to Montenegro take?

It can arrive in as little as 10 minutes, but the actual time depends on the payout method and the receiving bank or provider. Receiving-bank cut-off times, weekends, local holidays, compliance checks and incorrect details can all affect speed. The app shows an estimate before you confirm.

What details do I need to send money to Montenegro?

You need a verified Coinepay account and the recipient's full legal name exactly as on their account or ID. For a bank deposit you also need their 22-character ME IBAN and the bank's SWIFT/BIC; for cash pickup, their name and the transfer reference. You may be asked for the purpose of the transfer.

Can the recipient in Montenegro get the money as cash or to a mobile wallet?

Yes. Coinepay supports bank deposit, mobile wallet and cash pickup payouts. For cash pickup the recipient needs a government-issued ID and the transfer reference. Mobile wallet availability can vary by transfer, so check the live payout options shown in the app when you set it up.

What currency does the recipient receive in Montenegro?

Montenegro uses the euro (EUR), so your recipient is paid in euros. Choose EUR as the recipient currency when you set up the transfer, and the app will show the exchange rate and fees before you confirm.

Send Money to Montenegro | Money Transfer to Montenegro