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On July 17, 2026, the Council of the Central Bank of Montenegro passed a decision establishing fee limitations for instant credit transfers executed by payment service providers. The decision was adopted pursuant to Article 44 paragraph 2 item 3 of the Central Bank of Montenegro Law and Article 56u paragraph 3 of the Payment System Law. The decision introduces specific fee caps applicable to instant credit transfers valued at up to EUR 200. Payment service providers may not charge payers more than EUR 0.05 for electronically initiated instant credit transfers conducted through internet banking or mobile banking channels. Additionally, payees' payment service providers are prohibited from charging payees a fee exceeding the amount charged to the payer for receiving instant credit transfers valued at up to EUR 200. These provisions aim to reduce transaction costs and enhance accessibility of instant payment services for consumers and businesses in Montenegro. The decision applies to all payment service providers operating in Montenegro that facilitate instant credit transfers. This measure aligns with broader European efforts to promote cost-effective digital payment solutions and financial inclusion. The decision entered into force upon publication in the Official Gazette of Montenegro. Payment service providers must ensure compliance with the established fee caps immediately following publication. **References:** Central Bank of Montenegro Council Decision on the Limitation of Fees Charged for the Execution of Instant Credit Transfers (Decision number: 0101-5744-2/2026), July 17, 2026.