ckb gradjani transakcioni racuni

CKB Transaction Accounts for National Payments

Transaction Account for National Payments which you can open with our Bank will meet your daily needs and ensure a simple access to other modern banking products and services like cards, SMS reporting or e-banking.

You can open the account in any of the branches of our Bank, under a quick and easy procedure.

Target clients

CKB Transaction Accounts for National Payments are intended for all residents or non-residents in Montenegro, whether employed or not.


  • Account opening procedure is very simple, it is enough to show your valid ID
  • Opening the account is free and, with the account, you get two debit cards free of charge: CKB Visa Classic Debit Contactless card and CKB Mastercard Debit Contactless card
  • Your money is available as soon as credited to your account, without waiting for the Bank's accounting processes, and is immediately available on all the cards connected to your transaction account
  • Possibility to use other products and services, such as cards, e-banking, SMS reporting
  • Possibility to establish a standing order for different purposes
  • More favourable lending conditions

Additional benefits

In addition to handling their own funds, the account holders with regular income can profit from overdraft ranging from 30% of their monthly income to 3 monthly salaries. 

  • An identification document (ID card, passport)


For pricing of our products and services, see our tariffs.

We are kindly informing you that from 27 October 2021 a new conditions will apply for Condition list for Retail Accounts Overdraft and Transactional Payment. New conditions are available here.

Application form