Visa Electron Card

  • Possibility for overdraft (allowing to be in the red)
  • Can be used for Internet payments and abroad

Product description

Visa Electron is international Visa debit card that enables simple and secure use of funds on the current account it is directly related to. Funds on the account are available at any time, whether you are in the country or abroad, removing the risk associated with carrying cash and offering a simple way for cash withdrawal.

Visa Electron debit card is issued to when you, as a private individual, open an account with our Bank. If you have a regular monthly income (salary or pension) that you receive through CKB, then you can use overdraft (be in the red, which enables you to withdraw more money than you actually have on the account. Visa Electron Card may also serve you as identification card for the current account. The card beneficiary has full control over his costs since the spending is limited by the balance available on his transaction account.

Advantages of using Visa Electron Card

  • You can simply withdraw cash in the country and abroad at sales points and ATMs bearing the sign of Visa/Visa Electron/Plus.
  • You can pay for goods and services in the country and abroad using the network of more than 12 000 000 retail outlets in the world.
  • You can use Visa Electron Card on Internet, with the recommendation to use the sites that require the safety CVV2 code (CVV2 code represents the last three digits on the back of the card).
  • Low usage costs.
  • You have a possibility to take additional cards for family members.
  • You may check your account balance at the CKB ATMs.
  • You can buy mobile top-up for 067, 068 and 069 mobile networks at the CKB ATMs.
  • You can also buy mobile top-up for 067, 068 and 069 mobile networks at the CKB POSs with authorized dealers.
  • Less need to visit the Bank you may check the executed card transactions through electronic banking.
  • As beneficiary of Visa Electron Card, you are also receiving Maestro Card at the price of one.
  • If you are a student, you can get students Maestro Card (you are paying only monthly card maintenance, without transaction fees charged for withdrawals from CKB ATMs).

Where to apply for Visa Electron Card?

It is intended for all citizens of Montenegro who have regular monthly income (salary or pension) that is received through the current account opened with CKB. Additionally, it is intended for all residents and non-residents without income, provided that they have a transaction account with CKB and have placed a deposit equal to annual membership fee as collateral.

You may apply for this card in any business unit of Crnogorska Komercijalna Banka AD Podgorica throughout Montenegro. The card may be used on the same date when you receive it.


When you receive a card, you have to sign it. Unsigned card is considered invalid. Along with the card, the card user receives a secret identification number (hereinafter: PIN). The card user must keep the PIN confidential and must not disclose it to other persons or keep a written trace of it in order to eliminate the risk of any misuse. When entering your PIN at an ATM or POS terminal, observe the confidentiality. Check the transaction amount before signing the bill.

Reporting a card loss or theft

In case you lost a card or it was stolen from you, please contact the Bank Call Centre. The card will be automatically blocked as of the moment you contacted the Bank. If you fail to report loss or theft, you will be held responsible for the entire debt.


If the card user believes that some costs do not belong to him/her or are incorrectly computed, he/she may address the Bank to complain about those by submitting bills and other documents that the Bank may require. Deadline for the submission of complaints is 72 h from the transaction date.

The Bank shall not be responsible for the quality and quantity of goods and/or services bought by the card. Complaints regarding the quality and quantity of goods and/or services should be resolved between the user and the sales point. Regardless of the complaint outcome, the user is obliged to settle the entire card debt.

If the Bank finds the complaint justified, it will credit the card account, and in case of unjustified complaint, the user will cover all the costs.


More details about the product clients can get by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894.