--- title: "Montenegro: financial institutions, SWIFT/BIC codes and licences | Elucidate" description: "13 institutions in Montenegro (as at 23 September 2026): 13 hold a SWIFT/BIC code and 0 do not." url: https://elucidate.co/directory/country/me --- 1. [Directory](https://elucidate.co/directory) 2. [Countries](https://elucidate.co/directory/country) 3. Montenegro Country · Europe & Central Asia # Montenegro Check who the institutions in Montenegro are: whether each holds a BIC, which register lists it and whether an LEI is mapped. No tracked register covers Montenegro, so every institution listed here holds a BIC. 13 Institutions Active · inactive not published 13 Hold a BIC 100% of institutions — On a tracked register Not covered by a tracked register 9 LEI mapped 69% of institutions 13 BIC codes Head offices and 0 branch codes ### Montenegro at a glance Every row is the same 13 institutions, split by one attribute Type - Financial institution 13 · 100% Identification - [BIC only](https://elucidate.co/directory/search?source=bic,noregister&cc=ME) 13 · 100% Regulation level - [Not on a tracked register](https://elucidate.co/directory/search?reg=none&cc=ME) 13 · 100% LEI - LEI mapped 9 · 69% - No LEI mapped 4 · 31% View as table | Attribute | Institutions | Share | | --- | --- | --- | | Type | | Financial institution | 13 | 100% | | Identification | | BIC only | 13 | 100% | | Regulation level | | Not on a tracked register | 13 | 100% | | LEI | | LEI mapped | 9 | 69% | | No LEI mapped | 4 | 31% | An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. BIC data as at 23 September 2026 [Institutions](https://elucidate.co/directory/country/me#institutions) [Regulation](https://elucidate.co/directory/country/me#registers) [Groups](https://elucidate.co/directory/country/me#groups) [Payments](https://elucidate.co/directory/country/me#payments) [BIC codes](https://elucidate.co/directory/country/me#bics) ## Institutions in Montenegro All 13 institutions in Montenegro, with or without a BIC: prudentially supervised and larger institutions first. No OFAC or EU listing cites an institution in Montenegro. - [Addiko Bank A.D. Podgorica BIC HAABMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 5299009K2NXNM3QKSN51](https://elucidate.co/directory/addiko-bank-a-d-podgorica-haabmepg) - [Adriatic Bank Ad Podgorica BIC AZMNMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 747800W0FBD1K8XN1E81](https://elucidate.co/directory/adriatic-bank-ad-podgorica-azmnmepg) - [Centralna Banka Crne Gore (Central Bank of Montenegro) BIC CBCGMEB1 Financial institution Not on a tracked register Montenegro · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/centralna-banka-crne-gore-central-bank-of-montenegro-cbcgmeb1) - [Centralna Banka Crne Gore (Central Bank of Montenegro) BIC CBCGMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 5493002R4X8WZY3J8573](https://elucidate.co/directory/centralna-banka-crne-gore-central-bank-of-montenegro-cbcgmepg) - [Crnogorska Komercijalna Banka Ad Podorica (Monotenegrin Com. Banka) BIC CKBCMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 529900RH4NV2ROQ0AJ85](https://elucidate.co/directory/crnogorska-komercijalna-banka-ad-podorica-monotenegrin-com-banka-ckbcmepg) - [Erste Bank Ad Podgorica BIC OPPOMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 529900R6VLFUQ3Q32F42](https://elucidate.co/directory/erste-bank-ad-podgorica-oppomepg) - [Hipotekarna Banka Ad BIC HBBAMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 25490052WX0QM50N6M05](https://elucidate.co/directory/hipotekarna-banka-ad-hbbamepg) - [Lovcen Banka Ad BIC LOVBMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/lovcen-banka-ad-lovbmepg) - [Nlb Banka Ad Podgorica BIC MNBAMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 48510000XGELJCANQJ14](https://elucidate.co/directory/nlb-banka-ad-podgorica-mnbamepg) - [Prva Banka Crne Gore Ad Podgorica Osnovana 1901. Godine BIC PRVAMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/prva-banka-crne-gore-ad-podgorica-osnovana-1901-godine-prvamepg) - [Universal Capital Bank BIC UNCBMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 74780000O0HH4F9TXU31](https://elucidate.co/directory/universal-capital-bank-uncbmepg) - [Zapad Banka Ad Podgorica BIC ZBCGMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/zapad-banka-ad-podgorica-zbcgmepg) - [Ziraat Bank Montenegro BIC TCZBMEPG Financial institution Not on a tracked register Montenegro · Not on a tracked register · LEI 74780000RFDACJUWZI71](https://elucidate.co/directory/ziraat-bank-montenegro-tczbmepg) [Filter this list →](https://elucidate.co/directory/search?cc=ME) ## Regulation and supervision None of the 22 tracked registers covers Montenegro. All 13 institutions listed here hold a BIC; firms licensed only by Montenegro’s national authorities are not listed. ## Groups and systemic importance For 5 institutions here, GLEIF records a parent in another country. ### Largest other groups GLEIF consolidation groups, by legal entities (LEIs) in this country | Group | LEIs here | LEIs in the group | | --- | --- | --- | | [Türkiye Cumhuriyeti Ziraat Bankasi Anonim Şirketi](https://elucidate.co/directory/group/213800K5KTZFSUS8MR51) | 1 | 10 | | [Addiko Bank AG](https://elucidate.co/directory/group/529900UKZBMDBDZIXD62) | 1 | 7 | | [OTP Bank Nyrt.](https://elucidate.co/directory/group/529900W3MOO00A18X956) | 1 | 16 | | [Nova Ljubljanska Banka d.d., Ljubljana](https://elucidate.co/directory/group/5493001BABFV7P27OW30) | 1 | 7 | | [Erste Group Bank AG](https://elucidate.co/directory/group/PQOH26KWDF7CG10L6792) | 1 | 64 | ### Parents abroad Institutions here by the country of their GLEIF ultimate parent (else direct parent) - [Austria2](https://elucidate.co/directory/country/at "Austria: 2") - [Hungary1](https://elucidate.co/directory/country/hu "Hungary: 1") - [Slovenia1](https://elucidate.co/directory/country/si "Slovenia: 1") - [Türkiye1](https://elucidate.co/directory/country/tr "Türkiye: 1") GLEIF parents are accounting-consolidation relationships. They do not show ownership shares or control. ## Payments and connectivity Of the 13 institutions in Montenegro that hold a BIC, 92.3% are connected to Swift and 1 is a Swift GPI member, as at 23 September 2026. ### Connection to Swift Institutions that hold a BIC, by connection type in Swift’s directory - Connected to Swift12 · 92.3% - Reverse billing0 · 0% - Passive participant (no connection)1 · 7.7% A BIC does not imply a connection to the Swift network. ### Payment schemes Institutions that hold a BIC, reachable in each scheme - **Reachable in a SEPA scheme:** 12 institutions - **Swift GPI members:** 1 institution [See 1 Swift GPI member →](https://elucidate.co/directory/search?cc=ME&flag=gpi) ## All BIC codes in Montenegro Look up any of the 13 BIC codes registered in Montenegro: the head offices and branch codes of the 13 institutions here that hold a BIC, with their LEIs and flags. [Download the list (JSON)](https://elucidate.co/data/banks/countries/ME.json) ## Other countries in Europe & Central Asia The directory has pages for 59 other countries and territories in Europe & Central Asia. [Albania](https://elucidate.co/directory/country/al) [Andorra](https://elucidate.co/directory/country/ad) [Armenia](https://elucidate.co/directory/country/am) [Austria](https://elucidate.co/directory/country/at) [Azerbaijan](https://elucidate.co/directory/country/az) [Belarus](https://elucidate.co/directory/country/by) [Belgium](https://elucidate.co/directory/country/be) [Bosnia & Herzegovina](https://elucidate.co/directory/country/ba) [Bulgaria](https://elucidate.co/directory/country/bg) [Croatia](https://elucidate.co/directory/country/hr) [Cyprus](https://elucidate.co/directory/country/cy) [Czechia](https://elucidate.co/directory/country/cz) [Denmark](https://elucidate.co/directory/country/dk) [Estonia](https://elucidate.co/directory/country/ee) [Faroe Islands](https://elucidate.co/directory/country/fo) [Finland](https://elucidate.co/directory/country/fi) [France](https://elucidate.co/directory/country/fr) [Georgia](https://elucidate.co/directory/country/ge) [Germany](https://elucidate.co/directory/country/de) [Gibraltar](https://elucidate.co/directory/country/gi) [Greece](https://elucidate.co/directory/country/gr) [Greenland](https://elucidate.co/directory/country/gl) [Guernsey](https://elucidate.co/directory/country/gg) [Hungary](https://elucidate.co/directory/country/hu) [Iceland](https://elucidate.co/directory/country/is) [Ireland](https://elucidate.co/directory/country/ie) [Isle of Man](https://elucidate.co/directory/country/im) [Italy](https://elucidate.co/directory/country/it) [Jersey](https://elucidate.co/directory/country/je) [Kazakhstan](https://elucidate.co/directory/country/kz) [Kosovo](https://elucidate.co/directory/country/xk) [Kyrgyzstan](https://elucidate.co/directory/country/kg) [Latvia](https://elucidate.co/directory/country/lv) [Liechtenstein](https://elucidate.co/directory/country/li) [Lithuania](https://elucidate.co/directory/country/lt) [Luxembourg](https://elucidate.co/directory/country/lu) [Moldova](https://elucidate.co/directory/country/md) [Monaco](https://elucidate.co/directory/country/mc) [Netherlands](https://elucidate.co/directory/country/nl) [North Macedonia](https://elucidate.co/directory/country/mk) [Norway](https://elucidate.co/directory/country/no) [Poland](https://elucidate.co/directory/country/pl) [Portugal](https://elucidate.co/directory/country/pt) [Romania](https://elucidate.co/directory/country/ro) [Russia](https://elucidate.co/directory/country/ru) [San Marino](https://elucidate.co/directory/country/sm) [Serbia](https://elucidate.co/directory/country/rs) [Slovakia](https://elucidate.co/directory/country/sk) [Slovenia](https://elucidate.co/directory/country/si) [Spain](https://elucidate.co/directory/country/es) [Sweden](https://elucidate.co/directory/country/se) [Switzerland](https://elucidate.co/directory/country/ch) [Tajikistan](https://elucidate.co/directory/country/tj) [Türkiye](https://elucidate.co/directory/country/tr) [Turkmenistan](https://elucidate.co/directory/country/tm) [Ukraine](https://elucidate.co/directory/country/ua) [United Kingdom](https://elucidate.co/directory/country/gb) [Uzbekistan](https://elucidate.co/directory/country/uz) [Vatican City](https://elucidate.co/directory/country/va) Sources & method Each institution counts once, in one country: the BIC country when it holds a BIC, otherwise the country of the register that lists it. Licences in other countries are shown on its page. Sanctions listings are matched on the BIC and on the LEI mapped to it, so they cover institutions that hold a BIC only. Institutions without a BIC are not screened. Always screen against the official lists. [Read the methodology →](https://elucidate.co/directory/methodology) Sources for this page - **Swift ISO 9362 BIC directory**—institutions and branch codes, mapped to LEIs through the Swift and GLEIF BIC-to-LEI relationship file. As at 23 September 2026 - **GLEIF relationship records (Level 2)**—accounting consolidation as reported to GLEIF · [about Level 2 data ↗](https://www.gleif.org/en/lei-data/access-and-use-lei-data/level-2-data-who-owns-whom) as at 25 September 2026 ## Assess the financial crime risk behind a counterparty A BIC or a licence identifies an entity; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment firms. [Read about the FinCrime Index](https://elucidate.co/ratings). [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.