The Credit Registry is the Central Bank of Montenegro database that records all your debts with banks, leasing and factoring companies, microcredit institutions and other lenders: loans, credit cards, overdrafts, leasing and guarantees. You get a report on your own debts on written request at the Central Bank in Podgorica or online at eportal.cbcg.me if you have a qualified electronic certificate, and the fee is 3 euros. A bank may look at your data only with your written consent. The new Decision on the Credit Registry, published on 22 September 2026, applies from 30 September 2026.
This guide explains what the Credit Registry is, who reports to it, what the report shows, how to get it, who may see your data and what the new decision brings.
What is the Credit Registry?
- A single electronic database of individuals' and companies' debts, kept by the Central Bank.
- Registry data are confidential and may be released only under the conditions of the Central Bank decision.
- The Central Bank updates the database no later than the day after it receives the data.
- Those who submit data are responsible for its accuracy, and the Central Bank is responsible for the registry matching the data submitted.
Who reports data and which debts?
- Data are submitted by banks, leasing and factoring companies, debt purchase companies, microcredit financial institutions, credit guarantee funds, the Development Bank of Montenegro and payment institutions.
- The registry covers loans, finance leasing, factoring, purchased receivables, credit cards and overdrafts on current accounts.
- It also records guarantees, letters of credit and the obligations of guarantors, co-signers and co-debtors.
- Data on a debt are reported until it is repaid or the creditor ends collection.
- The balance is reported monthly, within ten days after the month ends, and new loans and payments by the next working day.
What does the report show?
- Type of debt, contract number, date, amount, outstanding principal, instalment, first and last instalment dates, and the nominal and effective interest rate.
- Repayment record: debt status, days overdue, overdue unpaid principal and interest, and principal and interest paid.
- Collateral: deposit, mortgage, promissory note, salary assignment and others, as well as guarantees from third parties.
- The report also shows payments after the last monthly balance and, for companies and sole traders, account blocking data.
- The Central Bank also issues a debt history report showing repayment behaviour over a chosen period.
How do you get a report on your own debts?
- The report is issued by the Central Bank in Podgorica, at Bulevar Svetog Petra Cetinjskog 6, archive entrance, on written request.
- When an individual applies, the Central Bank checks their identity and provides the data in writing.
- You attach proof of payment of the 3-euro fee to the request.
- If you have a qualified electronic certificate, you download the report in PDF format at eportal.cbcg.me.
- You can get data for another person only with that person's certified authorisation.
- The Central Bank gives information on 020/403-159 and at kreditni.registar@cbcg.me.
Who may see your data?
- A bank or other lender accesses your data only with your written or electronic consent and only for the purpose it was given.
- Lenders see historical data for the last three years.
- If a bank charges you for the registry check when approving a loan, that fee may not exceed the Central Bank's fee.
- A lender that submits data late or inaccurately is fined 5,000 to 10,000 euros.
What does the new decision bring?
- The 2026 Decision on the Credit Registry replaces the 2018 decision and applies from 30 September 2026.
- Under the new decision, payment institutions, credit guarantee funds and banks whose licence the Central Bank has revoked also report data.
- Lenders' access to the registry works online, 24 hours a day.
Mortgages are explained in our guide to mortgages in Montenegro, and opening an account in our guide to bank accounts for foreigners. Checking a company and blocked accounts is covered in our guide to company checks, and old debts in our guide to the statute of limitations on debts.
Frequently asked questions
How do I check my debts in the Credit Registry? Submit a written request to the Central Bank in Podgorica with proof of paying 3 euros, or download the report at eportal.cbcg.me if you have a qualified electronic certificate.
How much does a Credit Registry report cost? The Central Bank charges a fee of 3 euros for providing data from the Credit Registry.
Do credit cards and overdrafts appear in the registry? Yes, the registry includes credit cards and overdrafts on current accounts, as well as leasing and guarantees.
Can a bank look at my Credit Registry data without my consent? No, a bank accesses your data only with your written or electronic consent and only for the purpose it was given.
Does the registry show if I am a guarantor? Yes, the registry records the obligations of guarantors, co-signers and co-debtors, and they can get a report on those debts.
How long does a loan stay in the registry? Data are reported until the debt is repaid or the creditor ends collection, and lenders see the history for the last three years.
Sources
The content of the registry, reporting entities, deadlines, access and fees are set by the Decision on the Credit Registry (Official Gazette 138/2026, Articles 2 to 18), and the way reports are issued, the address and the 3-euro fee are published by the Central Bank of Montenegro. The information was checked on 27 September 2026. Fijaka is a classifieds platform; this text is not financial advice.