Montenegro Joins SEPA: New Opportunities for International Payments and Investments
As of October 7, 2025, Montenegro has officially become part of the Single Euro Payments Area (SEPA). This historic step enables citizens, companies, and investors to make faster, cheaper, and more secure euro transfers across Europe.
Money transfers between Montenegro and 40 SEPA countries, including all EU member states, are now processed under unified European standards. This makes everyday payments, real estate transactions, investments, and international cooperation much easier.
Key SEPA Benefits:
- ✔️ Free transfers up to €200 per day to SEPA countries
- ✔️ Electronic transfers up to €20,000 – fee only €1.99
- ✔️ Transfers over €20,000 – fee €25
- ✔️ Faster and more secure transactions following EU standards
Joining SEPA is the result of close cooperation between the Government of Montenegro, the Central Bank, and commercial banks, with support from the European Commission and the World Bank. This integration brings Montenegro closer to the European financial space long before full EU membership.
For real estate buyers and investors, this development opens new opportunities: international payments are now simpler, more cost-effective, and more secure — making property purchases and investments in Montenegro even more attractive.
______________________________
SEPA marks an important step toward Montenegro’s financial integration with Europe. For GATE Realty clients, it’s another strong reason to invest in property in a country whose European future has already begun.
Read in our blog
Montenegro is a small but ambitious Adriatic country steadily advancing toward its place in the European Union. Even today, it offers a unique blend of natural beauty, high quality of life, and investment potential. The question is not if Montenegro will join the EU — but “when”. And that opens up major opportunities for those […]
Montenegro and the European Union: How EU Integration Will Transform the Real Estate Market
Open the door to Europe — through Montenegro Imagine this: you’re breathing in the sea air, enjoying views of the Adriatic, and living legally in a country on its way to the European Union. Residency in Montenegro through real estate purchase is not a dream — it’s a reality. No hidden barriers, no endless bureaucracy, […]