send-money-to-montenegro

How to send money to Montenegro

Here’s how to send a quick, affordable and secure money transfer to Montenegro.

Montenegro may be a small Balkan nation, but that doesn’t mean you’re limited when it comes to sending money to a loved one. We make it easy to compare your rates, find the best money transfer company and get started on the process of wiring funds to Montenegro.

How to send money to Montenegro

Because Montenegro uses the euro as a currency, you’ll have a handful of options when you want to send money to a friend or family member.

  1. Choose a provider from the table below.
  2. Click Go to Site and register with your chosen provider.
  3. Start a transaction by giving your provider information about your recipient.
  4. Select how much you want to send and pay for your transfer.
  5. Save your tracking number to make sure your transfer succeeds.

Compare Money Transfer Services

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
NZD 0 1 day NZD 0.00 0.585 EUR
5,847
Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
NZD 0 Within an hour NZD 3.99 0.582 EUR
5,816
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
AUD 250 1 - 2 days NZD 15.00 0.584 EUR
5,830
A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details
NZD 200 1 day NZD 0.00 0.584 EUR
5,842
TorFX guarantee to beat any competitor's exchange rate for a transactionConditions apply Go to site Show details
NZD 2,000 2 days NZD 0.00 0.585 EUR
5,846
Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
Go to site Show details
NZD 1 1 - 2 days NZD 70.00 0.587 EUR
5,830
Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
NZD 5 1 - 2 days EUR 3.00 0.578 EUR
5,783
Go to site Show details
NZD 10,000 1 - 2 days NZD 0.00 0.577 EUR
5,771
Go to site Show details
GBP 10,000 1 day NZD 0.00 0.576 EUR
5,759
Go to site Show details

Compare up to 4 providers


The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

What are my options for sending money from New Zealand to Montenegro?

  • Specialist transfer providers. Companies such as OFX and CurrencyFair offer fast and affordable overseas transfers.
  • Cash pickup transfer companies. MoneyGram and Western Union are the world’s two largest providers that allow your recipient to pick up cash wherever they live in Montenegro.
  • Bank transfers. Bank transfers can be useful if you know you’ll be sending a lot of money and want it sent directly to your recipient’s bank account.
  • International checks. Safe but slow, you can always mail an international check to Montenegro.

Banks versus money transfer companies

Instead of sending funds through your bank, compare your options to see whether you can find a more affordable deal from a money transfer company, such as OFX or CurrencyFair. These providers trade high volumes of foreign currency and may be able to offer much better exchange rates than banks. They also charge lower fees, so finding the right transfer provider can save you money.

Foreign exchange rates explained

When you want to send money to another country, you’ll need to take into account the exchange rate you’re being offered by your provider. It can change daily and is influenced by a number of factors, including the global economy and inflation. Even though Montenegro isn’t a member of the EU, it still uses the euro as a currency. Since the euro yields more when you exchange it for New Zealand dollars, you can expect to be pay a little more than a dollar for each euro you need to send.

Get live exchange rates for NZD/EUR


Emergency cash transfers to Montenegro

When you need to get money to a friend or loved one in Montenegro as quickly as possible, an emergency cash transfer is the way to go. Some companies offer overseas transfers that can be completed within minutes. This may be extremely convenient, but make sure you’re aware of the cost. High transaction fees and lower exchange rates usually apply, so review the full cost of a transaction before you commit. If your recipient can wait even a day, you may be able to send more for less money with a normal money transfer.

Tips for picking up cash in Montenegro

Regardless of whether you’re in Montenegro or New Zealand, it always pays to take a few simple safety precautions when picking up cash.

  • Only visit a transfer agent in a safe location.
  • Avoid high-crime areas and avoid displaying your cash in public.
  • Take a friend along with you to act as a deterrent to thieves.
  • Don’t carry the money around with you for any longer than is necessary.
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