meta_id 3194487

On May 11, 2026, the Council of the Central Bank of Montenegro (CBCG) passed a decision amending the minimum value of payment transactions to be processed in the Real-Time Gross Settlement (RTGS) system. The decision, adopted pursuant to Article 44 paragraph (2) item 3 of the Central Bank of Montenegro Law and Article 159 paragraph (2) of the Payment System Law, increases the minimum transaction threshold from EUR 1,000.00 to EUR 3,000.00. The amendment applies to both Article 2 paragraph 1 item 1 and Article 3 of the existing Decision on minimum value of payment transactions to be processed in RTGS system, with both provisions now referencing the higher EUR 3,000.00 threshold. This change affects payment service providers and financial institutions that use Montenegro's RTGS infrastructure for high-value payment settlement. The decision represents a significant adjustment to the operational parameters governing real-time payment processing in the country's payment system. By raising the minimum threshold, the CBCG is modifying the criteria for which transactions must be settled through the RTGS system, potentially affecting transaction routing and settlement procedures for payment market participants. The decision enters into force on the eighth day following its publication in the Official Gazette of Montenegro and becomes applicable seven days after its entry into force. Payment service providers and other relevant market participants should ensure their systems and procedures are updated to reflect the new EUR 3,000.00 minimum threshold before the application date.