I would just like to flag the issue of using a bank card from a Montenegrin bank in another Montenegrin banks ATM and the charge involved.I have used a card 3 times to withdraw cash recently from an ATM and the fees associated with the withdrawals of 1,500 euro were 37.50 euro this works out at 2.5% . Please make sure that if you are using your bank card any charges involved if not using it on a machine from your own bank.
ATM withdrawals from your bank's ATM, that's the best bet. I wonder about over the counter withdrawals in other banks. I am sure they charge a lot for that as well.