Retail Banking
Universal Capital Bank AD Podgorica offers a wide range of banking services tailored to individuals, providing a simple, secure, and efficient way to manage finances.
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Wide range of banking services
Whether you need a transaction account, loan, savings product, payment card, or access to modern electronic banking services, the Bank provides solutions designed to meet your needs.
Accounts and savings
Flexible transaction accounts for everyday financial management, along with various savings options tailored to clients’ individual needs.
Loans
We offer loan products to individuals employed on a permanent or fixed-term basis, as well as to pensioners.
Payment cards
With the Universal Capital Bank’s cards, your payments become faster, safer, and simpler.
Electronic banking
The electronic banking service allows you and your company to conduct banking transactions without visiting the branch.
Invest in Your Future with Savings that Provide Security and Stability
The security of your future begins with smart money management. At Universal Capital Bank, we offer various types of savings products tailored to your goals and capabilities. Whether you prefer short-term or long-term savings, with competitive interest rates and secure terms, your money works for you.
Want to Calculate Your Loan Installment?
Calculate the monthly installment for the requested loan amount and desired repayment period.
Amount of monthly installment
2,110.08
Total interest
27,246.72
Total amount to be paid by the client
178,037.44
Note: The calculation is for informational purposes only and may not be used for other purposes.
Premium credit cards
Designed for clients who want more from their card — security, prestige, and flexibility in everyday finances.
Private sector
We present our cash loan offer specially tailored for individuals employed in the private sector.
Loan amount up to 15,000 EUR
Nominal interest rate 12.00%
Repayment term up to 60 months
mBanking
The mBanking application is a mobile banking service that allows individuals to access their accounts held with the Bank and perform transactions via a mobile application. The mBanking app includes Strong Customer Authentication (SCA) functionality, ensuring compliance with PSD2 regulations. Additionally, this application is used to confirm online payments made with the Universal Capital Bank’s payment cards, where the authenticity of card payments on websites is verified through push notifications.
Need help?
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