Montenegro Country Commercial Guide
Learn about the market conditions, opportunities, regulations, and business conditions in montenegro, prepared by at U.S. Embassies worldwide by Commerce Department, State Department and other U.S. agencies’ professionals
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Montenegro has established a legal framework for e-commerce, including the E-Commerce Law (2004), the Electronic Document Law (2008), and the Electronic Signature Law (2005). These laws promote the secure and efficient use of electronic communications by defining requirements for certain types of electronic signatures and regulating the issuance of signature certificates.  PayPal has been available in Montenegro since 2014, but its use remains limited to domestic transactions.

Montenegro will join the Single Euro Payments Area (SEPA) in October 2025, simplifying euro-denominated cross-border payments for both individuals and businesses. In February 2025, the government adopted the first legal framework for cryptocurrencies and digital assets, integrated into its anti-money laundering legislation, requiring crypto service providers to register with the government. Public procurement has been digitalized through a mandatory e-procurement platform (EPPS) since 2021, aligning with EU standards. 

E-commerce activity continues to grow, supported by rising internet penetration and consumer awareness. Online sales account for about 6.4% of Montenegro’s retail market and are projected to reach 9.6% by 2028. The range of business-to-customer platforms has expanded in recent years to include banking services, bill payments, consumer goods, and grocery delivery. However, challenges remain, such as limited delivery infrastructure and a strong reliance on cash-on-delivery payments, which slow the shift toward fully digital transactions. The government considers the further development of the digital economy a national priority, with ongoing initiatives aimed at improving infrastructure, expanding cashless payment options, and encouraging innovation in fintech, e-commerce platforms, logistics, and blockchain applications.

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Global Business Navigator Chatbot Beta

Welcome to the Global Business Navigator, an artificial intelligence (AI) Chatbot from the International Trade Administration (ITA). This tool, currently in beta version testing, is designed to provide general information on the exporting process and the resources available to assist new and experienced U.S. exporters. The Chatbot, developed using Microsoft’s Azure AI services, is trained on ITA’s export-related content and aims to quickly get users the information they need. The Chatbot is intended to make the benefits of exporting more accessible by understanding non-expert language, idiomatic expressions, and foreign languages.

Limitations

As a beta product, the Chatbot is currently being tested and its responses may occasionally produce inaccurate or incomplete information. The Chatbot is trained to decline out of scope or inappropriate requests. The Chatbot’s knowledge is limited to the public information on the Export Solutions web pages of Trade.gov, which covers a wide range of topics on exporting. While it cannot provide responses specific to a company’s product or a specific foreign market, its reference pages will guide you to other relevant government resources and market research. Always double-check the Chatbot’s responses using the provided references or by visiting the Export Solutions web pages on Trade.gov. Do not use its responses as legal or professional advice. Inaccurate advice from the Chatbot would not be a defense to violating any export rules or regulations.

Privacy

The Chatbot does not collect information about users and does not use the contents of users’ chat history to learn new information. All feedback is anonymous. Please do not enter personally identifiable information (PII), sensitive, or proprietary information into the Chatbot. Your conversations will not be connected to other interactions or accounts with ITA. Conversations with the Chatbot may be reviewed to help ITA improve the tool and address harmful, illegal, or otherwise inappropriate questions.

Translation

The Chatbot supports a wide range of languages. Because the Chatbot is trained in English and responses are translated, you should verify the translation. For example, the Chatbot may have difficulty with acronyms, abbreviations, and nuances in a language other than English.

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