Basic service payment account
Simple and secure management of your daily finances without any unnecessary extra costs.
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Your first step toward simple and secure banking
Open a simple bank account that provides you with all essential payment services in Montenegro - quickly, transparently, and without hidden costs.
What this account includes
A payment account with basic services allows for simple and secure management of your daily finances without unnecessary extra costs. It includes:
- Opening, maintaining, and closing accounts in EUR currency
- Cash deposits into the payment account
- Cash withdrawals at Universal Capital Bank counters and ATMs
- Execution of domestic payment transactions (credit transfers, standing orders)
- Issuance of a debit payment card (Visa or Mastercard)
- Access to UCB electronic and mobile banking (24/7)
- Regular statements and account balance notifications
Note: It is not possible to arrange an overdraft, credit card, or loan with this account, nor can it be used for international payment transactions.
Advantages
Simplicity
Only what you really need for everyday payments.
Security
Your funds are protected, and your account is maintained in accordance with the highest standards.
Transparency
All fees are clearly displayed and comparable to other banks via the Central Bank of Montenegro website.
Accessibility
Available 24/7 via mobile app and ATMs.
Benefits
Account opening fee
Universal Capital Bank Fee Schedule
Who is the account for
The account is intended for consumers legally residing in Montenegro, including those without a permanent address, asylum seekers, and individuals who have not been granted a residence permit but whose expulsion is impossible for legal or factual reasons, regardless of their place of residence in Montenegro. Legal residence in Montenegro is defined as the stay of a natural person in Montenegro in accordance with regulations governing the residence of citizens, or the stay of foreigners in accordance with the law governing the rights of foreigners, including foreigners residing in Montenegro in accordance with laws governing international and temporary protection of foreigners or based on an international agreement.
An individual may hold only one such account within the territory of Montenegro (confirmed by a written statement).
Required documentation
Valid identification document or passport
Proof of residence in Montenegro
Declaration of not holding another payment account with basic services at another bank
Additional information
Compare fees on the Central Bank of Montenegro website
Download the Universal Capital Bank mobile app
Your finances at your fingertips
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