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Actual currency exchange rates
Money in Montenegro (notes and coins)
Montenegro uses Euro (EUR) without a formal agreement with EU, but the Euro is officially adopted by the country.
1 Euro = 100 cent.
Coins in circulation:
1, 2, 5, 10, 20, 50 cent
€1 and €2
Notes in circulation:
€5, €10, €20, €50, €100, €200 and €500.
You can exchange almost everywhere, in big cities and small towns. You can use an ATM machine or visit a bank, currency exchange counter in town or at a hotel reception desk.
Also using your credit/debit card at the cashpoint/ATM (Bankomat) will give you a good exchange rate. Be aware that many banks charge for this service. ATMs offer service in English so you won't have any problems with withdrawing money.
Try to avoid changing money at the airport on arrival as the rates are not favorable. If you do not have an ATM card, then change the minimum to get you into town and then change the rest there.