Really? What are they using there so, SWIFT? I know Montenegro has adopted the euro unilaterally without the European Union or the Euro Zone agreement or something like that. The country can't even print money, there is no euro sealed Montenegro
I didn't even bother to ask. Bank transfers are expensive in Montenegro, and the banks' websites are not user-friendly. You need another country if you make a lot of transfers. The Swiss banks are the best if you don't mind AEOI.