Credit Registry
The Credit Registry is a unique and standardised electronic database of loans and other debts of individual entities in Montenegro established on the basis of data and information that the reporting entities (banks, micro-credit financial institutions, the Investment and Development Fund of Montenegro, leasing companies, factoring companies, companies for the purchase of receivables and special reporting entities) are obliged to submit to the Central Bank. The reporting entities are responsible for the accuracy of the furnished data and information, as well as for the promptness of their delivery.
Based on the submitted data, the Central Bank creates a report on the debts of persons with a debt balance on a given date, which, in addition to data on debts, also contains data on payments after the last updated date, as well as data on the blocking of accounts of a legal person or an entrepreneur. Beneficiaries may also access a report on the person’s debt history, which provides an overview of the regularity of debt repayment for the given search period.
The data from the Credit Registry may be made available to:
- the reporting entities that have access to data from the Credit registry, upon obtaining a written consent of the person to access the Credit Registry data on the respective person;
- the persons whose data on debts are maintained with the Credit Registry, and
- the persons who are guarantors/warrants under such debts.
The Central Bank provides reporting entities access to the data from the Credit Registry electronically through a web server of the Central Bank every day from 03:00 to 22:00 hours, except on National Holidays.
The Central Bank provides data from the Credit Registry to persons whose data on debts are maintained with the Credit Registry and to persons who are guarantors/warrants under those debts in its business premises specifically determined for this purpose (Podgorica, Bul. Svetog Petra Cetinjskog 6, archive entrance).
The Central Bank provides data on debts to persons whose data on debts are maintained with the Credit Registry and to persons who are guarantors/warrants at their written request. The request submitted by a legal person or an entrepreneur must be signed by an authorised person and verified by the appropriate stamp. In cases when the request is filed by a natural person, a check of their personal identity is performed.
Data from the Credit Registry may be obtained for other person only if the authorisation for obtaining such data issued by the owner of such data is submitted with the request. This authorisation must be verified in accordance with regulations.
Holders of electronic certificates may also download the report on debts in PDF format via the link: https://eportal.cbcg.me.
The Central Bank charges a fee of 3.00 Euros for the services of providing data from the Credit Registry.
Detailed information on reports on debts and the manner of their issuing may be obtained via phone number: +382 (0)20 403 159, or via an e-mail: kreditni.registar@cbcg.me.