Montenegro guides: property, vehicles, tax and everyday life

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Sourced, up-to-date guides to property, vehicles, shopping, tax, work and everyday life in Montenegro.

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An old work record booklet, reading glasses and a folder of papers on a wooden desk

Checking Your Work Record in Montenegro 2026: Insured Person Data on eUprava, a Listing from the Pension Fund, What M-4 and Insurance Service Mean and What to Do When Years Are Missing

How you check, free of charge, the service record, wages and contributions your employer reported to the Pension Fund, what you need for the eUprava service, how you get a listing without an electronic ID card, how to read the data, why years go missing in the record and how insurance service differs from pensionable service.

September 28, 2026

An envelope, a pen and a calculator on a kitchen table next to a table lamp

EPCG Electricity Bill 2026: Check Your Balance Without Registering, SMS to 067 227 000, Pay Without a Fee, E-Bill, Complaints and Debt in Instalments of 20 Euros

How you check your electricity bill on the portal, in the app, by SMS and without registering, where you pay it without a fee and how to pay from abroad, how you get the bill by email, when and how you file a complaint, what the bill must show and how you repay a debt in instalments of 20 euros.

September 28, 2026

Wooden desk with blank envelopes, an old landline telephone and a notebook by a window

Montenegro Postal Codes and Dialling Codes 2026: 81000 Podgorica, 85310 Budva, Country Code +382, Area Codes for Every Town and Mobile Number Porting

The postal code of every Montenegrin municipality and of well-known coastal places, how to write an address on a parcel, the country code and the area code of each town, how to dial landline and mobile numbers at home and from abroad, what numbers starting with 80 and 90 mean and how to keep your number for free when you switch operator.

September 28, 2026

A switched-off lamp, a lit candle, an envelope and a blanket in a living room at winter dusk

Electricity disconnection for debt in Montenegro 2026: at least eight days' warning, no disconnection on Fridays and weekends, vulnerable customers and complaints about a bill

When a supplier may ask for your electricity to be cut off over an unpaid bill, how many days a warning gives you, on which days a disconnection may not start, when you cannot be cut off while disputing a bill, which households as vulnerable customers may not be left without power in winter or ever and how quickly power is restored after you pay.

September 28, 2026

An old wooden box of family documents, an envelope, a fountain pen and reading glasses on a table

Shares in Montenegro 2026: how to check whether you own shares at CKDD, the PIN code, selling and buying through a broker, inheritance and the 15% tax

Where shares in Montenegrin companies are recorded, how to check your securities account for free, how to get a PIN code and an ownership statement, which brokers you sell or buy shares through on the Montenegro Stock Exchange, how heirs take over shares and how much tax is paid on dividends and on profit from a sale.

September 28, 2026

An empty artisan workshop with stone walls, a workbench and tools beside a sunny window

Development Bank of Montenegro (formerly IRF) loans 2026: for start-ups, women entrepreneurs, small businesses, tourism and agriculture, interest of 4 to 5.4% and up to four years' grace

What the Development Bank of Montenegro that succeeded the IRF is, which credit lines it offers in 2026 to business start-ups, women entrepreneurs, micro, small and medium-sized enterprises, tourism and agriculture, the amounts, interest rates, repayment terms and grace periods, the benefits for the north and less developed municipalities and the documents required.

September 28, 2026

A closed laptop with a small padlock on a white desk next to sealed envelopes

Personal data protection in Montenegro 2026: how to find out who processes your data, correction and erasure within 15 days, withdrawing consent and a complaint to the Agency

When a company, bank, employer or public body may process your personal data, how to request information about the data it keeps on you, within what deadline it must correct or delete inaccurate and unlawful data, how to withdraw consent and refuse direct marketing and how to file a request for protection of rights with the Personal Data Protection Agency.

September 28, 2026

An empty archive reading room with shelves full of folders and a wooden table

Freedom of information in Montenegro 2026: what the new law brings, how to file a request, the 15-day deadline, what copies cost and how to appeal to the Agency

Who may ask state and municipal bodies and public companies for information under the new Law on Free Access to Information, what a request must contain, within what deadline the body decides, when access is free and when you pay for copies, when a body may refuse and how to appeal to the Agency for Personal Data Protection and Free Access to Information.

September 28, 2026

A lit desk lamp, a blank notebook and a wristwatch on a desk in the evening, with city lights behind the window

Additional work (dopunski rad) in Montenegro 2026: who may do it, up to 20 hours a week, what the contract must say, when you need employer consent, tax and the annual return

Who may conclude an additional work contract under the Labour Law, how many hours a week it allows, with which employer, what the contract must contain and how it ends, when a non-compete clause binds you, how additional work is taxed and when it makes you file an annual tax return.

September 28, 2026

A plain folder, reading glasses and a cup of tea on a kitchen table next to a potted plant

Life insurance in Montenegro 2026: term, endowment and unit-linked policies, a policy for a loan, 30-day withdrawal, surrender and a complaint to the Agency

How term, endowment, annuity and unit-linked life insurance differ, which riders exist, how the contract is concluded, when you can withdraw without obligations, what surrender, paid-up conversion, policy loans and assignment mean and how to complain to the Insurance Supervision Agency.

September 28, 2026

A suitcase and a travel document wallet on a bench in an empty airport waiting area

Travel health insurance 2026: when the Health Fund's form helps in 16 countries, when you need a policy, how much it covers and what it does not pay

In which countries a Health Fund insured person gets emergency care with a bilingual form, how to get and use the form, why Greece, Spain and non-European countries need a private policy, how much insurers' packages cover, what a policy does not pay and what to do if you fall ill on a trip.

September 28, 2026

A stethoscope and a closed medical file on a doctor's desk

Patient rights in Montenegro 2026: the patient rights advocate, a complaint answered within three days, access to your records, a second opinion and the right to refuse treatment

Which rights a patient has under the Law on Patient Rights: choosing and changing doctors, information before a procedure, consent and refusal of treatment, access to and copies of medical records, a second opinion, privacy, a complaint to the patient rights advocate and a reply within three days.

September 28, 2026

Unlabeled medicine boxes and a blister pack on a pharmacy counter

Montenegro drug list 2026: which prescription medicines the Health Fund covers, the basic and supplementary lists, what the codes mean and what to do if the pharmacy has none

Which medicines you get on prescription at the Health Insurance Fund's expense, how the basic and supplementary lists differ, what the codes R, RS, RZ and RK mean, which list applies from July 2026, what to do if you cannot get a listed medicine and who is exempt from co-payment.

September 28, 2026

A parked car with a small dent on the door in a quiet street at dusk

Comprehensive car insurance (kasko) in Montenegro 2026: what it covers, the deductible, a bonus of up to 50%, claim deadlines and when the insurer does not pay

How comprehensive (kasko) car insurance works in Montenegro: how it differs from compulsory insurance, which risks are covered, what the deductible is, how the no-claims bonus and malus work, how quickly you report damage and theft, why alcohol and an unlocked car rule out payment and where to complain.

September 28, 2026

A tidy home office corner with a laptop on a wooden desk by the window

Working from home and remote work in Montenegro 2026: what the contract must say, who pays for equipment and costs and what applies in emergencies

How the April 2026 Labour Law amendments regulate working from home and remote work: when it is possible, what the contract must contain, who provides equipment, whether you can refuse home working, what applies during a flood or epidemic and how parents can ask to work from home after leave.

September 28, 2026

An empty building site with scaffolding and a vest on a wooden sawhorse

Undeclared work in Montenegro 2026: fines for employers, your rights without a contract and how to report work off the books

What an employer must do before your first working day, why working without a contract means a permanent contract, what undeclared work costs an employer, what you lose while you are not registered for insurance and how, since May 2026, inspectors can also enter a flat.

September 28, 2026

A balance scale on an office desk next to a closed laptop

Equal pay and pay transparency in Montenegro 2026: salary in job ads, what an employer may not ask and how to request pay data

What the April 2026 Labour Law amendments change for pay: employers must state the starting salary or range up front, may not ask about your previous pay, must provide average pay data within 45 days on request and, in an unequal pay dispute, must prove they did not discriminate.

September 28, 2026

An empty examination room with a couch and a desk by the window

Cancer screening in Montenegro 2026: bowel, cervical and breast, who gets invited, how the test works and what to do if no call comes

Which three free cancer screening programmes Montenegro runs, which ages they cover, who invites you, how the stool test, the HPV test and the mammogram work, how often they are repeated, what a positive result means and how to sign up yourself if no invitation comes.

September 28, 2026

A suitcase and a folder of medical records in a hospital corridor

Treatment abroad through the Montenegro Health Fund 2026: conditions, the medical panel, the request, the 90-day deadline, travel, a companion and costs you get back

When the Health Insurance Fund sends a patient for treatment outside Montenegro, who files the request and where, what the Clinical Centre panel's proposal must contain, how long the referral is valid, when a flight and a companion are approved and which costs the Fund refunds after you return.

September 28, 2026

An empty physiotherapy room with a sea view

Rehabilitation in Igalo through the Health Fund 2026: who qualifies, how to get a referral, how long it lasts, transport, a companion and the six-month deadline

Who the Health Insurance Fund approves for medical rehabilitation at the Igalo Institute, which Clinical Centre panel proposes it, how long it lasts after a heart attack, stroke or surgery, who gets a companion and transport and by when you must use the referral.

September 27, 2026

A car key and a magnifying glass on a table next to a parked used car

Pledge Register in Montenegro 2026: how to check before buying whether a car, boat or machine is pledged or on lease

What the Pledge Register is and who keeps it, how to search it free of charge by serial number, name or registration number, why a buyer of a used car or boat usually takes over the pledge too, when the item passes free of it, what registration and extracts cost and what to ask the seller for before paying.

September 27, 2026

Car keys and a closed folder on a table in a car showroom

Leasing in Montenegro 2026: how financial leasing of cars and equipment works, who may offer it, buyout, insurance, missed payments and buying a car that was leased

What financial leasing is and how it differs from a loan, who may offer leasing in Montenegro, what the contract must contain, who pays insurance and fines, when you can buy the car, what happens if you fall behind with payments and how to check whether a used car is on lease.

September 27, 2026

A calculator, a pen and a closed folder on a wooden desk

Default interest in Montenegro 2026: the 10.40 percent rate, how it is calculated, a worked example and the new 5.4 percent rate for tax debt

What the statutory default interest rate is in 2026, how the Central Bank sets it, how to calculate interest yourself on unpaid rent, a deposit or a private loan, what changed for late tax payments on 18 July 2026 and what the rates have been since 2023.

September 27, 2026

A backpack on a bench in a harbour, with a ferry moored in the background

Bus and ferry passenger rights in Montenegro 2026: delays and cancellations, refunds, compensation of 25 and 50 percent, meals, hotel and complaints

What you are entitled to when a long-distance bus is more than two hours late or cancelled, when a ship is more than 90 minutes late, how much compensation you get for a late ship arrival, what applies to persons with disabilities, how to complain and how much the carrier is liable for luggage.

September 27, 2026