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Erste Bank Crna Gora review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Erste Bank Crna Gora is a plain Mastercard debit card for people who want everyday spending without borrowing, and the small monthly charge is the main thing to weigh. It ranks 337 of 419 on monthly fee, so it sits well down the cost table.

Key facts

Best for
Everyday Mastercard debit spending from a Montenegrin bank account.
Monthly fee
€0.50 (Source, checked September 26, 2026)
Free ATM withdrawals
€0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Headquarters
Montenegro (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Travel
Official website
erstebank.me

Credit cards

Headquarters
Montenegro (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Travel

Apps and profiles

Get the app
App StoreGoogle Play

Pros and cons

Pros

  • A debit card, debit, on the Mastercard network, mastercard, so spending comes straight from your balance.
  • Travel is listed as a feature, travel, so the card is set up for use away from home.
  • Support runs on phone, chat and help centre, which covers phone, chat and a help centre.

Cons

  • The card costs €0.50 each month, while most cards compared charge €0.
  • The free ATM allowance is €0, so cash withdrawals are not covered free of charge.
  • Placed 337 of 419 on monthly fee, the card ranks near the back of the cost table.
Erste Bank Crna Gora

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Scored 8.7 / 10 by DebitCue.

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Who it suits

  • People banking in Montenegro who want a Mastercard debit card for everyday spending.
  • Account holders who mainly spend locally and can live with a small monthly charge.
  • Travellers who want one card for spending abroad, since travel use is a listed feature.

Who should look elsewhere

  • Wise, if you would rather pay no monthly fee: £0.
  • Varo Believe Secured Credit Card, if you want a secured credit card rather than a debit card: $0.
  • Chime Card (Secured Visa Credit Card), if you want a Visa-branded secured credit card charging $0 a month.

Where it sits among rivals

On free ATM withdrawals, Erste Bank Crna Gora places 41 of 115 brands compared on this page. On monthly fee the same card ranks 337 of 419, so it sits near the back of the cost table. The gap between those two rankings is the trade-off: cash machine access compares better than the price you pay to hold the card.

Who runs it

Erste Bank Crna Gora is based in Montenegro, so the card is set up inside one domestic banking market rather than a multi-country app. Support comes through phone, chat and help centre, so you can reach the bank by phone, by chat or through its help centre. Questions about fees, PINs or a card that will not work can go down any of those routes.

How Erste Bank Crna Gora compares

Where Erste Bank Crna Gora is available

Available
Montenegro

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does this card cost each month?+

The monthly charge is €0.50. That is the number to weigh, because €0 is the charge most of the cards compared carry, so holding a card with no monthly charge is the norm here. On monthly fee this card places 337 of 419.

Is it a debit card or a credit card?+

It is a debit card, debit. Purchases draw on the balance in your account with the bank rather than on a credit line, so there is no borrowing to repay and no interest to think about. Travel is also one of the listed features: travel.

Which network does the card run on?+

Payments run on the Mastercard network, mastercard. As a debit card, debit, it is accepted wherever Mastercard is taken, which covers most everyday spending in Montenegro and the usual travel destinations. The same network is the reason the card is listed for travel use.

Can I take out cash without paying?+

The free ATM allowance is €0, so plan on paying for cash withdrawals. On that measure the card places 41 of 115 brands compared. Cardholders who need a large free allowance would be better served by a card built around one.

Is the card worth having for travel?+

Travel is one of the listed features, travel, on the Mastercard network, mastercard, so the card is set up to be used away from home. Budget for the monthly charge of €0.50 as well, since holding the card costs the same whether you travel or not.

How do I get help if something goes wrong?+

Support runs on phone, chat and help centre, giving you a phone line, a chat service and a help centre. Those routes cover most day-to-day questions about fees, PINs or a card that is blocked. Email is not among the channels listed, so the bank is reached by phone, chat or the help centre.

Which country does the card belong to?+

The card comes from a bank based in Montenegro, so it is aimed at people who bank in Montenegro. It is a domestic bank card rather than a multi-country account, which suits customers who keep their everyday spending in one banking market and want a Mastercard debit card from their own bank.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Protection.

Erste Bank Crna Gora

Erste Bank Crna Gora

Everyday Mastercard debit spending from a Montenegrin bank account.

8.7/10See alternatives