CKB Bank Montenegro — full review and pricing

Quick facts. CKB Bank Montenegro is operated by Crnogorska komercijalna banka AD Podgorica (CKB), headquartered in Podgorica, Montenegro, with the brand established in 1997 (consolidation of multiple Montenegrin banks). The operator is subsidiary of OTP Group (BUD:OTP). CKB Bank Montenegro positions itself as Montenegro's largest commercial bank operated by OTP Group, billed via the tier structure detailed below.

CKB 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 CKB Bank Montenegro adjusts published rates. The rest of this page details the operator, current tiers, feature coverage, support reach and 10 short FAQs.

Operator background

CKB Bank Montenegro runs under Crnogorska komercijalna banka AD Podgorica (CKB), headquartered in Podgorica, Montenegro. The product was established in 1997 (consolidation of multiple Montenegrin banks), and the company is currently subsidiary of OTP Group (BUD:OTP). CKB 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: Crnogorska komercijalna banka AD Podgorica (CKB)
• HQ: Podgorica, Montenegro
• Founded / launched: 1997 (consolidation of multiple Montenegrin banks)
• Ownership: subsidiary of OTP Group (BUD:OTP)

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 CKB Bank Montenegro matters in banking & payments

CKB Bank Montenegro positions itself as Montenegro's largest commercial bank operated by OTP Group. The 2024-2025 differentiator: 2024-2025 OTP Group continued integration after acquiring CKB from Société Générale in 2019, rolling out new mobile-banking features and SEPA integration.

Pricing and tier structure

Current tier structure: Personal account from free; Premium accounts ~€5-€10/month with debit/credit cards. The anchor price referenced for headline comparison is Standard account ~€5/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 CKB Bank Montenegro adjusts published rates.

Recent pricing context (2024-2025)

2024-2025 OTP Group continued integration after acquiring CKB from Société Générale in 2019, rolling out new mobile-banking features and SEPA integration. Annual commitments commonly trim 10-20% off the headline monthly rate; check the live grid above before purchase.

Feature coverage

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

• Montenegrin personal banking
• Visa and Mastercard debit/credit
• SEPA payments (Montenegro joined SEPA 2024)
• Mobile banking app
• Branch network across Montenegro

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.

Regulatory status and deposit protection

The operator is licensed by the national banking supervisor and deposits up to the local insurance ceiling are protected (FDIC, FSCS, FSCS-equivalent or national deposit-insurance scheme).

What this means for buyers

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

Support, billing and account management

CKB 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 CKB 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 ~€5/month.

Comparison context

In the banking & payments category, CKB Bank Montenegro competes with nearby brands you can browse via /en/us/compare. Buyers commonly look at CKB 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 CKB Bank Montenegro is the right pick

• You want Montenegro's largest commercial bank operated by OTP Group and the feature mix listed above
• The anchor price (Standard account ~€5/month) fits the budget
• The operator's footprint covers your country

When to look elsewhere

• You need a specific feature CKB Bank Montenegro does not list
• You are in a country outside the operator's main footprint
• The 2024-2025 differentiator (2024-2025 OTP Group continued integration after acquiring CKB from Société Générale in 2019, rolling out new mobile-banking features and SEPA integration) is not relevant to your use case

Frequently asked questions

What is CKB Bank Montenegro?

CKB Bank Montenegro is a banking & payments subscription operated by Crnogorska komercijalna banka AD Podgorica (CKB) out of Podgorica, Montenegro, established in 1997 (consolidation of multiple Montenegrin banks). It is currently subsidiary of OTP Group (BUD:OTP).

How much does CKB Bank Montenegro cost?

Current tier structure: Personal account from free; Premium accounts ~€5-€10/month with debit/credit cards. Anchor headline price: Standard account ~€5/month. See the pricing table above for the live grid.

Who owns CKB Bank Montenegro?

The brand is owned and operated by Crnogorska komercijalna banka AD Podgorica (CKB). Corporate status: subsidiary of OTP Group (BUD:OTP).

Where is CKB Bank Montenegro available?

CKB 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 CKB 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 CKB Bank Montenegro offer a free trial?

Free-trial availability varies by tier and country. The anchor price (Standard account ~€5/month) is the post-trial headline rate; trials, when offered, run 7 to 30 days depending on promo.

What payment methods does CKB 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 CKB Bank Montenegro worth it in 2025?

CKB Bank Montenegro's 2025 value depends on the feature mix you actually use. The 2024-2025 update — 2024-2025 OTP Group continued integration after acquiring CKB from Société Générale in 2019, rolling out new mobile-banking features and SEPA integration — is the single most relevant signal for current-year buyers.

How is CKB Bank Montenegro different from competitors?

CKB Bank Montenegro differentiates as Montenegro's largest commercial bank operated by OTP Group. The operator background, founding year (1997 (consolidation of multiple Montenegrin banks)) and 2024-2025 update give buyers a sense of where the brand sits versus alternatives.

Where can I track CKB Bank Montenegro pricing changes?

Subger's live tracker updates the anchor price (Standard account ~€5/month) automatically when CKB Bank Montenegro adjusts published rates. Bookmark the Subger CKB 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 ~€5/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