This jurisdiction has evolving or restrictive regulations that require careful compliance. Additional licensing, reporting, or operational constraints may apply.
Montenegro Cryptocurrency Regulatory Overview
Montenegro allows cryptocurrency trading with evolving regulations.
Montenegro Blockchain Compliance Requirements
Cryptocurrency is legal in Montenegro but regulatory framework is still developing. AML/CFT requirements may apply.
Crypto Licensing Requirements in Montenegro
Crypto Asset Service Providers (VASPs) are required to register with the Capital Market Commission under the amended Law on Prevention of Money Laundering and Terrorist Financing (2025). This is a mandatory registration for AML/KYC compliance, not a full licensing regime, and the Register was expected to be fully operational by late 2025.
Cryptocurrency Tax Treatment in Montenegro
Capital gains from the sale of cryptocurrency are subject to a 15% tax rate for individuals, calculated on the difference between the purchase and sale price. Professional trading may be subject to income tax.
Crypto Banking Access in Montenegro
Limited banking access.
Official Sources & Regulatory References
https://ceelegalmatters.com/by-practice/29113-montenegro-regulation-of-business-operations-related-to-crypto-assets-through-amendments-to-the-law-on-prevention-of-money-laundering-and-terrorist-financing, https://www.scmn.me/en/, https://www.lexology.com/library/detail.aspx?g=e512e129-e162-4a34-adab-75c706e2d0dc, https://rue.ee/blog/montenegro-crypto-tax/, https://www.gov.me/dokumenta/d93f2f4f-b97b-44fc-9409-7bf26be031c1
AML/CFT requirements may be stringent or evolving. Enhanced due diligence may be required.
Enforcement actions may be unpredictable or strict. Monitor regulatory developments closely.
Disclaimer: This information is provided for general guidance only and should not be considered legal advice. Regulations change frequently. Always consult with qualified legal professionals in the relevant jurisdiction before making business decisions.