CKB review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CKB is a Montenegrin bank that lends its own money to salaried residents and seafarers, and it suits borrowers who want modest sums rather than large balances. The approval fee is free, and the bank says Approval possible in 1 day, so a decision can come quickly.

Key facts

Best for
Salaried residents and seafarers wanting a personal loan with a free approval fee and a quick decision.
Loan amount
€300 to €30,000 (Source, checked September 26, 2026)
Term
3 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR approval fee (2 EUR promissory note and 3 EUR Credit Bureau CBCG query) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Approval possible in 1 day (Source, checked September 26, 2026)
Representative example
Total costs = interest for the whole period + 0 EUR loan approval fee + 2 EUR promissory note + 3 EUR Credit Bureau CBCG query, calculated as of 1.8.2026 (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Minimum age 21 at application, up to 70 years old on the date of the last instalment; Montenegrin citizens or foreign nationals with regulated residence and employment in Montenegro, employed on fixed-term or indefinite contracts, and seafarers (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Crnogorska komercijalna banka AD Podgorica (Source, checked September 26, 2026)
Headquarters
Montenegro (Source, checked September 26, 2026)
Founded
1997 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Official website
ckb.me

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Crnogorska komercijalna banka AD Podgorica (Source, checked September 26, 2026)
Headquarters
Montenegro (Source, checked September 26, 2026)
Founded
1997 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedInfacebook.com

Pros and cons

Pros

  • The approval fee is free, and the only other fee lines are a promissory note and a Credit Bureau CBCG query.
  • CKB is a direct lender, so the bank that decides the application carries the balance.
  • Decisions can be quick: the bank says Approval possible in 1 day.
  • The bank was founded in 1997 and is based in Montenegro.

Cons

  • Support runs on phone only.
  • The application runs a hard credit check, so a query lands on your file.
  • Only a personal loan is offered, in a single market, with amounts from €300 to €30,000.
CKB

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Salaried Montenegrin residents on fixed-term or indefinite contracts who want a personal loan.
  • Seafarers, who are named in the eligibility rules alongside residents.
  • Borrowers who want to judge a decision quickly without paying to find out.

Who should look elsewhere

  • Borrowers after a larger balance than €300 to €30,000, since Monzo Flex lends £10,000 to £35,000.
  • People wanting a peso facility rather than a euro one, where Cashspace offers PHP 500 to PHP 25,000.
  • Borrowers after a small euro loan, since Cashspace ES tops out at €100 to €5,000.

How your money is protected

CKB is a direct lender, so the bank that decides the application also carries the balance, and the borrower deals with a single counterparty throughout. The representative example builds the total cost of a loan from the interest charged over the whole period, the loan approval fee, the promissory note and the Credit Bureau CBCG query, so the total figure carries the fee lines as well as the interest.

The company behind it

The lender is Crnogorska komercijalna banka AD Podgorica, headquartered in Montenegro, and it has operated since 1997. The application, the agreement and the servicing all sit with the same institution rather than being split across parties. Support runs on phone, which suits borrowers who want to talk the terms through with a person.

How CKB compares

Where CKB is available

Available
Montenegro

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to take out a CKB personal loan?+

The approval fee is free, while the promissory note and the Credit Bureau CBCG query are charged separately, and the representative example shows the interest for the whole period added to those lines. On €300 to €30,000 of borrowing, that total is the figure to compare against other lenders.

How much can I borrow, and over what period?+

CKB offers a personal loan of €300 to €30,000, repayable over 3 to 120. The term range lets a borrower spread a balance over a shorter or longer stretch, and the amount range starts low, so a modest need does not have to be rounded up to a larger facility.

Will I need a credit check?+

The application runs a hard credit check, and a query goes to Credit Bureau CBCG as part of the decision. That means the file matters more than the headline rate, so a steady employment record and a settled repayment history are worth tidying up before applying.

Who can apply for a CKB loan?+

The bank lends to Montenegrin citizens and to foreign nationals with regulated residence and employment in Montenegro, including seafarers on fixed-term or indefinite contracts. Applicants also have to sit inside its age limits, which apply at application and at the date of the last instalment, and the facility is a personal loan of €300 to €30,000.

How quick is a decision?+

Decisions are quick, since the bank says Approval possible in 1 day, and the approval fee is free. For a borrower who cannot wait, that pairing matters: the cost of finding out stays low and the answer comes sooner than a lengthy review would allow.

Who do I deal with, and where does the money sit?+

CKB is a direct lender, so the bank that assesses the application is the one that carries the balance, and no broker sits in between. The contract is with Crnogorska komercijalna banka AD Podgorica, and the representative example totals the interest for the whole period together with the fee lines.

Can I reach someone about the loan?+

Support runs on phone, so a call is the route for questions about an application, a fee line or a payment. Borrowers who prefer written answers will not find a written channel listed, so it is worth having the loan reference to hand before calling.

Sources

  • ckb.me checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Crnogorska komercijalna banka AD Podgorica, PIB 02239108, Bulevar revolucije 17”

  • ckb.me/gradjani/krediti/ckb-kes-kredit checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Funding time, Lender type, Loan types, Arrangement fee, Representative example, Term

    “saglasnost za pristup RKB-u”

  • en.wikipedia.org/wiki/CKB_Banka checked September 26, 2026

    Backs: Founded

    “CKB was established in 1997 by a consortium of 28 small and medium-sized companies”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

Related by the facts

CKB

CKB

Salaried residents and seafarers wanting a personal loan with a free approval fee and a quick decision.

8.9/10See alternatives

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