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Domestic payments

Adriatic Bank offers quality and secure money transfer within the country through the domestic payment system. Services are provided to all physical persons in accordance with the regulations and the contract on opening and maintaining the account concluded with the Bank.
By opening a transaction account for executing payment transactions in the domestic payment system, you get the opportunity to use a large number of banking products.
All clients, residents and non-residents, whether with regular or occasional incomes, can open a transaction account for performing payment transactions in the domestic payment system. Clients may open the account at all Bank’s tellers with an identification document (ID card, passport).
The transaction account holder may authorize other persons to dispose with funds from the ownership account for the execution of domestic payment transactions.

With an open transaction account, clients shall obtain the following options:

Possibility to use Adriatic Visa Classic debit cards
Possibility of approval Overdraft loans on transaction account
Possibility of payment by standing order
Possibility of receiving information on all executed transactions on the account via SMS notification
Disposal with funds via electronic banking Adriatic Web Bank and/or Adriatic Mobile Bank
Free of charge cash withdrawal at all ATM's of Adriatic Bank AD Podgorica, Hipotekarna Banka AD Podgorica and Universal Capital Bank AD Podgorica

Tariffs for national payments for physical persons valid from 26.01.2022.

NO.	TYPE OF SERVICE	RESIDENT	NONRESIDENT	FREQUENCY
1	ACCOUNTS	AMOUNT	AMOUNT
1.1	ACCOUNT OPENING – DOMESTIC PAYMENTS – A Group*	FREE OF CHARGE	100 EUR	THE TARIFF INCLUDES OPENING OF A NATIONAL AND INTERNATIONAL TRANSACTION ACCOUNT OR ONE OF THEM. SUBSEQUENT OPENING OF ANOTHER ACCOUNT WILL NOT BE CHARGED.
1.1.1	ACCOUNT OPENING – DOMESTIC PAYMENTS – B Group**	FREE OF CHARGE	1.500 EUR	THE TARIFF INCLUDES OPENING OF A NATIONAL AND INTERNATIONAL TRANSACTION ACCOUNT OR ONE OF THEM. SUBSEQUENT OPENING OF ANOTHER ACCOUNT WILL NOT BE CHARGED.
1.2	ACCOUNT OPENING – INTERNATIONAL PAYMENTS – A group*	FREE OF CHARGE	100 EUR	THE TARIFF INCLUDES OPENING OF A NATIONAL AND INTERNATIONAL TRANSACTION ACCOUNT OR ONE OF THEM. SUBSEQUENT OPENING OF ANOTHER ACCOUNT WILL NOT BE CHARGED.
1.2.1	ACCOUNT OPENING – INTERNATIONAL PAYMENTS -B Group**	FREE OF CHARGE	1.500 EUR	THE TARIFF INCLUDES OPENING OF A NATIONAL AND INTERNATIONAL TRANSACTION ACCOUNT OR ONE OF THEM. SUBSEQUENT OPENING OF ANOTHER ACCOUNT WILL NOT BE CHARGED.
1.3	REGULAR CURRENT ACCOUNT MAINTENANCE	FREE OF CHARGE	2.5 EUR	MONTHLY
1.4	CURRET ACCOUNT MAINTENANCE	0.75EUR	2.5 EUR	MONTHLY
1.5	FOREIGN ACCOUNT MAINTENANCE	0.75EUR	2.5 EUR	MONTHLY
1.6	SENDING STATEMENT OF THE ACCOUNTS	FREE OF CHARGE	FREE OF CHARGE
1.7	REISSUING THE STATEMENT OF THE ACCOUNTS	0,40 EUR	0,40 EUR	PER ORDER
1.8	ACCOUNTS CLOSING	FREE OF CHARGE	FREE OF CHARGE
1.9	ISSUING OF VARIOUS CERTIFICATES	5 EUR	5 EUR

NO.	DOMESTIC PAYMENT TRANSACTIONS	RESIDENT	NONRESIDENT	FREQUENCY
2	NON CASH PAYMENTS -EXTERNALLY	AMOUNT	AMOUNT
2.1	DNS PAYMENT ORDERS UP TO 500.00 EUR	0,35 EUR	0,35 EUR	PER ORDER
2.2	DNS PAYMENT ORDERS FROM 500,01 UP TO 1000.00 EUR	0,40 EUR	0,40 EUR	PER ORDER
2.3	RTGS PAYMENT ORDERS FROM UP TO 1000.00 EUR	2,50 EUR	2,50 EUR	PER ORDER
2.4	FROM 1000,01 UP TO 3000,00 EUR	3 EUR	3 EUR	PER ORDER
2.5	FROM 3000,01 UP 10.000,00 EUR	0,12 % MIN 4 EUR	0,12 % MIN 4 EUR	PER ORDER
2.6	OVER 10.000,01	0,11 % MIN 12 EUR	0,11 % MIN 12 EUR	PER ORDER
3	NON CASH PAYMENTS-INTERNALLY
3.1	INTERNAL TRANSFER TO ACCOUNT WITHIN BANK	FREE OF CHARGE	FREE OF CHARGE
4	DOMESTIC CASH PAYMENTS
4.1	CASH DEPOSIT ON ACCOUNTS WITHIN BANK	FREE OF CHARGE	FREE OF CHARGE
4.2	CASH DEPOSIT ON ACCOUNTS WITH ANOTHER BANK:
4.2.1	DNS AND RTGS PAYMENT ORDERS TO PUBLIC INCOME ACCOUNTS UP 500,00 EUR	0,35% MIN 0,35 EUR	0,35% MIN 0,35 EUR	PER ORDER AMOUNT
4.2.2	DNS AND RTGS PAYMENT ORDERS TO PUBLIC INCOME ACCOUNTS FROM 500,01 UP TO 1000,00 EUR	0,30%	0,30%	PER ORDER AMOUNT
4.2.3	RTGS PAYMENT ORDERS	0,30% MIN 2,50 EUR	0,30% MIN 2,50 EUR	PER ORDER AMOUNT
4.2.4	PAYMENT ORDERS TO PUBLIC INCOME ACCOUNTS OVER 1000,00 EUR	0,30%	0,30%	PER ORDER AMOUNT
4.2.5	WITHDRAWAL FROM REGULAR CURRENT ACCOUNT	FREE OF CHARGE	FREE OF CHARGE
4.2.6	WITHDRAWAL FROM CURRENT ACCOUNT	FREE OF CHARGE	FREE OF CHARGE
4.2.7	WITHDRAWAL FROM FOREIGN ACCOUNT	FREE OF CHARGE	DOMESTIC CASH PAYMENTS	FREE OF CHARGE
5	FEES FOR OTHER SERVICES
5.1	USING DATA OF CREDIT REGISTRY OF CBCG	3.00 EUR	3.00 EUR	PER REQUEST

AMOUNT OF THE FEES FOR NON CASH DOMESTIC PAYMENTS -EXTERNALLY ARE INCRESED BY 30% AFTER 13:30H. *A group contries United States of America, Canada, Russia, Ukraine, France, Spain, Sweden, Norway, Germany, Finland, Poland, Italy, United Kingdom, Romania, Belarus, Kazakhstan, Greece, Bulgaria, Iceland, Hungary, Portugal, Serbia, Austria, Czech Republic, Ireland, Lithuania, Latvia, Croatia, Bosnia and Herzegovina, Slovakia, Estonia, Denmark, Switzerland, Netherlands, Moldova, Belgium, Albania, North Macedonia, Turkey, Slovenia, Azerbaijan, Cyprus, Luxembourg, Georgia, Andorra, Malta, Liechtenstein, San Marino, Monaco. ** B group contries Countries not mentioned in Group A countries.

Domestic payments

With an open transaction account, clients shall obtain the following options:

Tariffs for national payments for physical persons valid from 26.01.2022.

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