Montenegro has no specific cryptocurrency legislation but operates under a legal framework that allows crypto activities. The Central Bank of Montenegro (CBCG) oversees financial stability but has not issued explicit crypto regulations.
| Status | Legal |
| Risk Score | 25/100 (Low Risk) |
| Region | europe |
| Currency | EUR |
| Capital Gains (Personal) | 9%-15% progressive income tax may apply |
| Capital Gains (Corporate) | 9% corporate tax |
| VAT on Crypto | No |
| Staking Tax | No specific guidance |
| Airdrop Tax | No specific guidance |
No specific crypto tax guidance. General income tax rates (9-15%) and 9% corporate rate may apply.
| Required | Yes |
| Regulator | CMA (Capital Market Authority / Komisija za tržište kapitala) |
| Framework | Law on the Prevention of Money Laundering and Terrorist Financing (as amended February 28, 2025); Rulebook on Crypto-Asset Service Providers Registry and Reputation Assessment (CMA, December 25, 2025) |
No crypto-specific licensing. As an EU candidate, Montenegro may adopt MiCA-aligned regulation in the future.
Enforcement focused on unlicensed operators and consumer protection
| Status | Research |
| Name | Montenegro CBDC |
| Issuing Authority | Central Bank of Montenegro |
| Model | retail |
| Technology | Ripple (DLT) |
| KYC Required | Yes |
| Travel Rule | No |
| FATF Member | No |
| FATF Status | partially_compliant |
| FATF Body | MONEYVAL |
| Suspicious-Activity Reporting | Yes |
Status: Unclear
No specific DeFi regulation
Status: no_rules
No specific stablecoin framework
Status: no_rules
No specific NFT regulation
| Legal | Yes |
| Electricity Cost | $0.08/kWh |
| Renewable Energy | 30% |
| Infrastructure | fair |
Montenegro has legal crypto mining with moderate electricity costs and about 30% renewable energy. Infrastructure is fair but improving.
| Stability | moderate |
| Sanctions | No |
| Corruption Index | 45/100 |
| Banking Access | moderate |
| Sanctions Program Active | No |
Risk Factors
Montenegro is moderately stable with no major sanctions. Corruption is moderate and banking access for crypto firms is moderate. Regional tensions pose some risk.
Montenegro has no specific cryptocurrency legislation but operates under a legal framework that allows crypto activities. The Central Bank of Montenegro (CBCG) oversees financial stability but has not issued explicit crypto regulations.
Montenegro is classified by FATF as: partially_compliant.
Yes, licensing is required for VASPs.
KYC is mandatory for crypto businesses.
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Explore IT Services →Last reviewed: 2026-09-18 · Data source: Soken Crypto Legal Map
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