Retail Banking
The Universal Capital Bank AD Podgorica offers a wide range of banking services tailored to both individuals and legal persons, providing a simple, secure, and efficient way to manage finances. Whether you need a current account, a loan, a savings product, a payment card, or access to modern electronic banking services, the Bank delivers solutions designed to fit your needs.
Accounts and Savings
Flexible current accounts for everyday money management, as well as a variety of savings options tailored to individual client needs.
Loans
We offer loan products to individuals in permanent employment, pensioners, and employees on fixed-term contracts.
Payment Cards
With Universal Capital Bank cards, your payments become faster, safer, and easier.
Electronic Banking
The electronic banking service enables you and your company to manage your banking transactions without visiting a branch.
Corporate Banking
Financial solutions that empower businesses – together we build the foundation for successful operations and sustainable growth.
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Payment System
The Universal Capital Bank AD Podgorica provides domestic and international payment services, ensuring efficient, secure, and fast transactions for its clients.st transactions for its clients.
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Financial Support
Always by your side – we provide financial support that allows you to focus on what truly matters.
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Business Support
We offer a wide range of solutions designed to support your business needs and help you achieve your goals. From flexible financial products to innovative technological solutions, our team is here to provide you with expert support every step of the way.
Favorable Clearing Fees
The clearing of international payments with the Republic of Serbia and Bosnia and Herzegovina represents a fast and efficient system for executing international transactions without involving correspondent banks. Payments are made directly to the banks participating in the clearing system, ensuring that funds are credited to the recipient’s account on the same day the payment is processed. This enables a faster flow of goods and services while reducing operating costs.
This method of payment is available to both legal persons and individuals. All that is required is to open a transaction account for executing international payment transactions with the Bank. The advantages of clearing payments include a simpler and faster transfer of funds, as well as the execution of payment orders under more favourable conditions compared to payments made through correspondent banks, since there are no additional costs associated with such transactions. Transactions are carried out exclusively in euros.
Exchange Rates List
US Dollar
USD
Buying
114,086300
Selling
114,086300
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Tourism Development Loans
Stay up-to-date with global trends and invest in the quality of your accommodation facilities. Universal Capital Banks’ tourism development loans are here to help you achieve that!
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UCB Housing Loans
UCB Housing Loan is intended for both residents and non-residents, employees with permanent contracts, as well as clients with other verifiable sources of regular income. The loan is designed for the purchase of completed residential units (flats or houses), flats under construction, renovations, and more.
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Fixed Assets Loans
The loan for the purchase of fixed assets has a maturity of up to 84 (eighty-four) months, with a grace period of up to 12 (twelve) months, and is intended for investments in a company’s fixed assets – tangible property (buildings, vehicles, equipment and devices, small inventory, etc.).
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EKO Loan for Legal Persons - EKO Solution
The loan for other permanent working capital needs has a maturity of up to 84 months, with a grace period of up to 12 months, and is intended to provide permanent working capital (raw materials and supplies, inventory, overhead expenses, operating costs, other expenses, receivables from clients, etc.).
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Sustainable Development for a Stronger Future
The Universal Capital Bank is leading the sustainable transformation of the financial sector. With our Sustainability Strategy for the 2025–2028 period, we are building long-term value through responsible and transparent operations, innovative products, and community support.
Deeds That Are Recognized
At Universal Capital Bank, we believe that true success lies not only in numbers, but in the deep and lasting impact we leave on the hearts and lives of our community. We proudly continue our mission of social responsibility and present to you the humanitarian project “Deeds That Are Recognized,” created through a strong partnership with Visa.
Donations
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Do You Want to Calculate the Loan Installment?
Calculate the monthly installment for the requested loan amount and desired repayment period.
Monthly Installment Amount
2,110.08
Total Interest
27,246.72
Total Amount the Client Needs to Pay
178,037.44
Note: The calculation is for informational purposes only and cannot be used for other purposes.
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Save – for a Better Today!
At Universal Capital Bank, you can save at highly competitive interest rates. We are here to provide you with all the information you need to manage your savings effectively.
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E-Banking – Your finances at your fingertips!
Manage your finances quickly, easily, and securely – wherever you are. Our e-banking service enables you to make payments, check account balances, submit requests, and manage your finances from the comfort of your home or on the run. With our modern mobile and internet banking platform, everything you need is right at your fingertips – 24/7.
Fast and Seamless Payments with Google Pay
Universal Capital Bank AD Podgorica is pleased to announce the introduction of the Google Pay service, as part of our digital transformation strategy and our continuous efforts to enhance the customer experience.
Download the Universal Capital Bank mobile app
Your finances at your fingertips
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News and Announcements from the World of Finance
10.11.2025
Special Savings Conditions at Universal Capital Bank
Special Savings Conditions at Universal Capital Bank.
09.05.2025
Verification of card payments through the m-Token app
Universal Capital Bank is introducing mandatory verification of online card payments through the m-Token app, in accordance with new regulations.
08.04.2025
Clearing of international payments with Serbia and Bosnia and Herzegovina
Universal Capital Bank is the first bank in Montenegro to establish direct payment traffic with Serbia and BiH, enabling clients to make faster, cheaper, and safer international transactions in EUR currency. The clearing system ensures order execution within 24h with the support of digital and mobile banking.
Join the UCB team
Take the opportunity for professional growth and advancement in a dynamic and inspiring environment.
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Your Initiative Matters!
Our Bank supports projects and initiatives that contribute to community development. We invite you to submit a sponsorship or donation request through this form. All requests are evaluated in accordance with our criteria and available resources. The decision on support will be made following a detailed assessment of the submitted applications.
Investment Banking
In line with our primary business objective – to promote and facilitate access to foreign direct investments in Montenegro – we are proud to present our investment banking services.
Custody Services
A guarantee is a financial instrument securing payment or the fulfilment of contractual obligations, under which the Bank guarantees that the applicant will meet all obligations specified in the guarantee towards the Beneficiary within the agreed period.guarantee to the Guarantee User within the agreed period.
Brokerage Services
A letter of credit is a payment security instrument in international trade, whereby the applicant (buyer) makes a specified amount of funds available to the beneficiary (supplier), provided that the beneficiary complies with the agreed conditions.beneficiary (supplier), provided that the beneficiary of the letter of credit
Fee Schedule
Fee schedule for custody and brokerage services.
Need Help?
We Will Answer All Your Questions