Addiko Bank Montenegro — full review and pricing

Quick facts. Addiko Bank Montenegro is operated by Addiko Bank AD Podgorica, headquartered in Podgorica, Montenegro, with the brand established in Hypo Alpe-Adria 1990s; rebranded Addiko 2016. The operator is subsidiary of Addiko Bank AG (Wiener Börse: ADKO). Addiko Bank Montenegro positions itself as a Montenegrin retail bank in the Addiko Group competing with CKB and Hipotekarna Banka, billed via the tier structure detailed below.

Addiko Bank Montenegro markets a banking & payments subscription targeted at users who want a fully-managed product without piecing it together themselves. The pricing snapshot below pulls Subger's live tracker, so anchor prices stay current as Addiko Bank Montenegro adjusts published rates. The rest of this page details the operator, current tiers, feature coverage, support reach and 10 short FAQs. For the canonical reference, cross-check the vendor's own pricing page — figures here mirror it within the cache window.

Operator background

Addiko Bank Montenegro runs under Addiko Bank AD Podgorica, headquartered in Podgorica, Montenegro. The product was established in Hypo Alpe-Adria 1990s; rebranded Addiko 2016, and the company is currently subsidiary of Addiko Bank AG (Wiener Börse: ADKO). Addiko Bank Montenegro sits in the banking & payments category and competes for the same recurring spend as nearby banking & payments brands on this site. See related coverage in /en/us/promo and /en/us/deal for cross-brand context.

Headquarters and corporate status

• Legal entity: Addiko Bank AD Podgorica
• HQ: Podgorica, Montenegro
• Founded / launched: Hypo Alpe-Adria 1990s; rebranded Addiko 2016
• Ownership: subsidiary of Addiko Bank AG (Wiener Börse: ADKO)

The operator's corporate status determines who you contract with at checkout — typically the legal entity above, even if billing goes through a regional reseller.

Why Addiko Bank Montenegro matters in banking & payments

Addiko Bank Montenegro positions itself as a Montenegrin retail bank in the Addiko Group competing with CKB and Hipotekarna Banka. The 2024-2025 differentiator: 2024 focused on Montenegrin SME lending and digital-onboarding upgrades.

Pricing and tier structure

Current tier structure: Current-account packages EUR 0-7.90/month. The anchor price referenced for headline comparison is Standard account EUR 5.90/month.

Plan grid

What changes between tiers

Higher tiers typically unlock larger allowances, additional household members or extra premium content; entry tiers exist for trial usage. Live prices in the Subger plan tracker override these anchors when Addiko Bank Montenegro adjusts published rates.

Recent pricing context (2024-2025)

2024 focused on Montenegrin SME lending and digital-onboarding upgrades. Annual commitments commonly trim 10-20% off the headline monthly rate; check the live grid above before purchase.

Feature coverage

Addiko Bank Montenegro ships with the following named capabilities relevant to banking & payments:

• Montenegrin retail and SME banking
• EUR-denominated accounts
• Addiko Mobile app
• Consumer loans
• Mastercard contactless

Feature matrix

Platform and device reach

Coverage spans the operator's published device list — typically modern iOS and Android plus a web client; some categories add desktop apps, smart-TV apps or vehicle integrations where relevant. Check the vendor's "Supported devices" page if you depend on a less common platform.

Account features and digital experience

Account features cover daily banking, cards, transfers and lending; digital experience centres on a mobile app with biometric login, instant payment networks (SEPA Instant, BLIK, Pix or domestic equivalents) and integrated card management.

What this means for buyers

The category-specific behaviour above is the single biggest factor when comparing Addiko Bank Montenegro against alternatives in the same banking & payments bracket. Buyers who care about the feature mix detailed here will typically rank Addiko Bank Montenegro higher than buyers focused on price alone.

Support, billing and account management

Addiko Bank Montenegro offers customer support through the operator's standard channels — typically an in-app help centre, email contact and (for paid tiers) live chat or phone support during business hours.

Cancellation and refunds

You can cancel Addiko Bank Montenegro directly from the account dashboard. Refund policy follows the operator's published terms; many banking & payments services prorate or do not refund partial periods after the renewal date. See the cancel guide hub for the standard cancellation workflow.

Free trials and money-back

Free trials, money-back windows and intro pricing vary by tier and country. Anchor: Standard account EUR 5.90/month.

Comparison context

In the banking & payments category, Addiko Bank Montenegro competes with nearby brands you can browse via /en/us/compare. Buyers commonly look at Addiko Bank Montenegro alongside two or three peers before committing — the side-by-side compare table on this site lets you stack feature coverage and price in one view.

When Addiko Bank Montenegro is the right pick

• You want a Montenegrin retail bank in the Addiko Group competing with CKB and Hipotekarna Banka and the feature mix listed above
• The anchor price (Standard account EUR 5.90/month) fits the budget
• The operator's footprint covers your country

When to look elsewhere

• You need a specific feature Addiko Bank Montenegro does not list
• You are in a country outside the operator's main footprint
• The 2024-2025 differentiator (2024 focused on Montenegrin SME lending and digital-onboarding upgrades) is not relevant to your use case

Frequently asked questions

What is Addiko Bank Montenegro?

Addiko Bank Montenegro is a banking & payments subscription operated by Addiko Bank AD Podgorica out of Podgorica, Montenegro, established in Hypo Alpe-Adria 1990s; rebranded Addiko 2016. It is currently subsidiary of Addiko Bank AG (Wiener Börse: ADKO).

How much does Addiko Bank Montenegro cost?

Current tier structure: Current-account packages EUR 0-7.90/month. Anchor headline price: Standard account EUR 5.90/month. See the pricing table above for the live grid.

Who owns Addiko Bank Montenegro?

The brand is owned and operated by Addiko Bank AD Podgorica. Corporate status: subsidiary of Addiko Bank AG (Wiener Börse: ADKO).

Where is Addiko Bank Montenegro available?

Addiko Bank Montenegro operates from Podgorica, Montenegro with country availability tied to the operator's footprint and licensing reach. Cross-check the vendor's region list before subscribing if you travel often.

Can I cancel Addiko Bank Montenegro any time?

Yes — cancellation runs through the operator's account dashboard. See the cancel guide hub for the standard workflow and country-specific notes.

Does Addiko Bank Montenegro offer a free trial?

Free-trial availability varies by tier and country. The anchor price (Standard account EUR 5.90/month) is the post-trial headline rate; trials, when offered, run 7 to 30 days depending on promo.

What payment methods does Addiko Bank Montenegro accept?

Payment methods follow the operator's checkout — typically major cards (Visa, Mastercard, Amex) plus locally-relevant alternatives like Apple Pay, Google Pay or country-specific wallets.

Is Addiko Bank Montenegro worth it in 2025?

Addiko Bank Montenegro's 2025 value depends on the feature mix you actually use. The 2024-2025 update — 2024 focused on Montenegrin SME lending and digital-onboarding upgrades — is the single most relevant signal for current-year buyers.

How is Addiko Bank Montenegro different from competitors?

Addiko Bank Montenegro differentiates as a Montenegrin retail bank in the Addiko Group competing with CKB and Hipotekarna Banka. The operator background, founding year (Hypo Alpe-Adria 1990s; rebranded Addiko 2016) and 2024-2025 update give buyers a sense of where the brand sits versus alternatives.

Where can I track Addiko Bank Montenegro pricing changes?

Subger's live tracker updates the anchor price (Standard account EUR 5.90/month) automatically when Addiko Bank Montenegro adjusts published rates. Bookmark the Subger Addiko Bank Montenegro page and check the pricing table above.

Sources and updates

Operator + tier + ownership facts compiled from public vendor disclosures, press releases and regulatory filings current to 2024-2025. Anchor price: Standard account EUR 5.90/month. Last refreshed at the timestamp in Subger's plan tracker.

Related on Subger

Browse adjacent coverage:

• Promo codes hub
• Deals hub
• Cancel guide hub
• Compare services
• True price tracker