meta_id 3364887

On July 17, 2026, the Council of the Central Bank of Montenegro (CBCG) passed a decision amending the minimum value of payment transactions processed through the Real-Time Gross Settlement (RTGS) system. The amendment, issued 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, modifies the Decision on Minimum Value of Payment Transactions to be Processed in RTGS System. The key change concerns the threshold for payment transactions initiated by payees. Article 3 of the original decision has been amended to permit payment transactions below EUR 3,000.00 to be executed in the RTGS system upon the payee's request. Previously, the RTGS system had higher minimum transaction thresholds. This amendment lowers the barrier to entry for smaller transactions, allowing payees greater flexibility in routing payments through the real-time settlement infrastructure. The change applies to transactions initiated by payees specifically and represents a shift toward accommodating lower-value payments within Montenegro's high-value payment system. This adjustment may enhance efficiency for smaller market participants and improve access to RTGS infrastructure for transactions that previously fell below the minimum threshold. The decision entered into force on the date of its publication in the Official Gazette of Montenegro. The amendment was signed by Irena Radović, Governor of the Central Bank of Montenegro, on July 17, 2026. REFERENCES: Central Bank of Montenegro Council Decision 0101-5744-4/2026 (July 17, 2026): Amending the Decision on Minimum Value of Payment Transactions to be Processed in RTGS System