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Statistics of the Central Bank of Montenegro Payment System

Latest change: 12 December 2025 


Indicators of performed payment transactions in the Payment System of the Central Bank of Montenegro in November 20251


During 30 working days in November 2025, a total of 1,212,867 payment orders were performed through the CBCG Payment System. Of this number 470,540 orders or 38.80% were performed in the RTGS system and the remaining 742,327 or 61.20% orders related to the DNS system.


The value of performed payment transactions in RTGS system and DNS system amounted to 1.86 billion euros, out of which 1.74 billion euros (93.58%) was the value of the payment transactions performed through the RTGS system, while 119.45 million euros (6.42%) were performed in the DNS system.


The average daily volume of the performed payment transactions through both RTGS system and DNS system, presented through the number of orders, amounted to 40,429 orders, while the average daily value of payment transactions amounted to 61.98 million euros.


During 16,950 minutes of production2 for 30 working days in November 2025, there were 82 minutes delay in system operations, thus the availability of RTGS system and DNS system was 99.52%.


In May 2025, the CBCG launched a new generation of the national payment system - RTS/X, which is fully aligned with the international standard ISO 20022. This marks the most significant functional and technological change in the national payment system since its establishment in 2005.


The Central Bank of Montenegro has adopted Decision to extend the working hours of the CBCG Payment System, according to which, from October 20, 2025, the working hours are extended to weekends and public holidays.


Appendix


1 Note: Since January 2018, the Central Bank of Montenegro publishes data on performed national payment transactions in the CBCG Payment System (RTGS system and DNS system).

  • Until 31 December 2017, the collection of data on internal (interbank) payment transactions was carried out in accordance with the Decision on Reports to be Submitted to the Central Bank of Montenegro (OGM 64/12).

  • Decision on Reporting to the Central Bank of Montenegro (OGM 82/17) specifies that data on payment transactions are to be collected on quarterly basis.

2 Daily production on weekdays is 685 minutes, and on weekends and public holidays 385 minutes.



Performed payment transactions in the Payment System of the Central Bank of Montenegro in 2024


During 253 working days or 137,885 minutes of production in 2024, there were 14,614,125 orders performed in the Payment System of the Central Bank of Montenegro (RTGS system and DNS system), of which 5,659,486 (38.73%) through the RTGS system, while 8,954,639 orders (61.27%) were performed through DNS system.


The value of performed payment transactions in the Payment System of the Central Bank of Montenegro (RTGS system and DNS system), amounted to 24.7 billion Euros, of which 23.3 billion Euros (94.16%) were performed through the RTGS system, while 1.4 billion Euros (5.84%) were performed through DNS system.


More information can be found in the CBCG’s Annual Report.