Payment Operations and Payment Systems
Decision on the structure, more detail conditions and manner of transaction account opening and cancelling
(OGM 48/14, 24/16, 14/17, 80/20) - Unofficially consolidated translation
Decision on the Central Registry of Transaction Accounts and Deposits and Safe Deposit Boxes
(OGM 78/24)
Decision on Core Elements of the Payment Orders for Executing National Payment Transactions via Transaction Accounts(OGM 48/14)
Decision on the Requirements for Executing Credit Transfers and Direct Debit Transactions in Euro within the Single Euro Payments Area (SEPA) (OGM 44/24)
Decision on Limiting the Fee for Executing Credit Transfers Effected in the Single Euro Payments Area (SEPA)
(OGM 74/25)
Decision on the Criteria for Identifying Credit Institutions Required to Open and Operate Payment Accounts with Basic Features(OGM 34/22)
Decision on Establishing the most Representative Services Linked to a Consumer Payment Account
(OGM 54/22)
Decision on Presentation and Format of the Fee Information Document for the Most Representative Services Linked to a Consumer Payment Account(OGM 101/22)
Decision on the Appearance and the Format of the Statement of Fees for Services Linked to a Consumer Payment Account(OGM 101/22, 108/22) - Unofficially consolidated translation
Decision on the Method and Time Limits for Submitting Data on Interchange Fees(OGM 108/23)
Decision on more Detailed Content and the Manner of Submitting Information, Data and Documentation Supporting the Application for Granting Authorisation to Provide Payment Services and Acquire Qualifying Holding
(OGM 20/25)
Decision on Detailed Conditions for Providing Activities of the Payment Service Agent(OGM 48/14)
Decision on the Manner of Keeping the Registry of Payment Institutions and the Registry of Electronic Money Institutions (OGM 51/23)
Decision on Protection of Payment Service Users’ Funds and Funds Received in Exchange for Issued Electronic Money (OGM 48/14)
Decision on Minimum Monetary Amount of the Professional Indemnity Insurance or Other Comparable Guarantee Covering the Liability for Providing Specific Payment Services
(OGM 87/23)
Decision on Own Funds of Payment Institutions
(OGM 87/23)
Decision on Own Funds of Electronic Money Institutions
(OGM 87/23)
Decision on Ensuring Strong Customer Authentication and Common and Secure Open Standards for Communication(OGM 21/23, 78/24) - Unofficially consolidated translation
Decision on Security Measures for Operational and Security Risks Related to Payment Services
(OGM 47/23)
- Decision on Reporting on Major Incidents Related to the Provision of Payment Services
(OGM 90/23)
Template on incident reporting with instructions
Decision on Minimum Value of Payment Transactions to be Processed in RTGS System
(OGM 48/14)
Decision on Payment System Oversight
(OGM 48/14)
Decision Repealing some Enabling Regulations Concerning National Payment System
(OGM 48/14)
Decision on Payment System Reporting to the Central Bank of Montenegro
(OGM 82/17 and 107/20) - Unofficially consolidated translation
Annexes
Operating Rules of the Central Bank of Montenegro Payment System
(OGM 48/14, 57/14, 47/25, 74/25, 98/25) - Unofficially consolidated translation
- Decision on Participation of the Central Bank of Montenegro and Banks in the Clearing of International Payments(OGM 99/23)
- Decision on Detailed Requirements and Manner of Performing Bureau de Change Operations
(OGM 27/11)
- Decision on the Unique Blank Form Bill
(OGRM 81/05)
- Decision on Putting into Circulation, the Sale Price and the Withdrawing from Circulation of the Unique Blank Form Bills (OGRM 01/06)
- Decision on the Establishment of the National Payment System Committee
(0101-2161-10/2025 of 17 March 2025)