MasterCard Standard Debit is a multicurrency card linked to a client’s transaction account that provides clients with an opportunity to have money at his/her disposal independent of the Bank's working hours and in all currencies that a client has available in the account.


For our clients, non-resident, for the purpose of banking card business the Bank opens transaction accounts – payment cards.

The financial borrowings from the Bank with these cards are available in two currencies: Euro (EUR) or US Dollar (USD).

MasterCard Standard Debit is a card that uses the latest payment technology and provides you with contactless payment, in both, small shopping and big purchases, in the sales points that have a mark for contactless payments.


With the debit card you may withdraw cash from the ATM and pay goods and services in the points of sales in country and abroad.

MasterCard Standard Debit Card is primarily designed for the Bank’s regular clients, but also to all other persons of the age of majority (both residents and non-residents), who by simply opening bank accounts may become this card uses.

If the card is lost or stolen in country or abroad, please report immediately to the phone number: + 382 (0) 20690 069 (available 24 hours a day, 365 days a year).

  • Free of charge cash withdrawal from ATMs of Hipotekarna banka AD Podgorica;
  • Payment of goods and services in the country and abroad without commission and fees;
  • Opportunity to use the card for online shopping;
  • Contactless payment. For transactions below a specific amount, the PIN transaction confirmation is not required, but only to bring the card close to the reader. A limit of the amount for contactless payment depends on the bank in the country or abroad where payment is processed and it is defined according to the rules of the MasterCard bankcards association. In Montenegro, a contactless payment limit is 25 EUR.
  • Receiving SMS security messages for each transaction made.

The card may be used at all ATMs and sales points in country and abroad that have the  "MasterCard" mark, which totally make 24 million sales points and over 850,000 ATMs in the world. You can also use the card for online shopping while we recommend restricting your transactions to those Web sites that use the CVV standard for the card user identification authentication (with free of charge 3D secure service).

The basic user of the card is the person who owns the account, while the additional cards may be issued and connected to one account. The additional card is issued only with the consent of the owner of the account the basic card is connected to. 

The validity of the basic and additional cards is 3 years, and they are automatically extended after the expiration date.

    Upon submitting the Request for issuing the card the Bank provides its client with the General Conditions for issuing and using the payment card as a payment instrument in the Bank  and with the  General Rules for issuing and using MasterCard debit cards by Zapad banka . 


    The bank card business services are provided in accordance with the valid tariffs for MasterCard Debit card.

    To arrange a meeting or learn more details: