CKB SMS service

Always be informed of all transactions from your company's account. With CKB SMS service, you can have complete information on all inflows and outflows to and from all your accounts.

The product is intended for all citizens who are clients of Crnogorska komercijalna banka.

The following services are available for CKB Transaction Account for National Payments and CKB Transaction Account for International Payments:

• Inflow messages – For any new inflow, you will receive information via SMS. It is possible to set a notification threshold. It means that the client will receive SMS messages only for inflows exceeding the set limit.
• Outflow messages – For any new outflow, you will receive information via SMS. It is possible to set a notification threshold. It means that the client will receive SMS messages only for outflows exceeding the set limit.
• Messages on statement of transaction account – Statement of account is sent at the end of working day, i.e. around 21 h in the evening or on the following day, as chosen by the client. The statement includes information on total outflow, total inflow and current balance on the account.
• Messages on transaction account balance – Message on account balance is sent upon client’s request. This service is available to users of all the three mobile networks in Montenegro.
• ATMs – For every cash withdrawal via ATMs, the client will receive SMS message with details on the transaction completed. Again, it is possible to set a threshold.
• POS – For every transaction executed on POS terminals, the client will receive SMS information. A threshold may be set.

Balance enquiry is made by sending an SMS message with the contents: ‘R’ to the number 1456 for all mobile networks in Montenegro. Also, clients are able to check balance on credit cards by sending an SMS message with the contents: ‘C’ to the number 1456, also for all mobile networks in Montenegro.

Users of CKB SMS service related to FX accounts can check the balance on their FX accounts by sending the following message to the number 1456 for all mobile networks in Montenegro:

• an SMS with the contents: "D" to get information about the balance on all of their FX accounts, in different currencies, (note: If the client has an FX account in several currencies, this action will result in as many SMS messages with information about the balance on the relevant FX account as there are FX accounts in different currencies held by that client)
• an SMS with the contents: "D KOD" to get information about the balance on their FX account in one currency only, where "KOD" – is the currency code (USD, EUR etc.)

 
See the list of foreign mobile operators that support the receipt of SMS messages about transactions on FX accounts.