Does Zapad banka AD Podgorica accept SEPA Instant?
Zapad banka AD Podgorica (ZBCGMEPGXXX, Montenegro) is listed in EPC SEPA registers but not in the SEPA Instant register.
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Not listed in the SEPA Instant register
It may participate through another institution. In the euro area banks must receive instant payments since January 2025: confirm before sending.
- Institution
- Zapad banka AD Podgorica
- BIC / SWIFT
- ZBCGMEPGXXX
- City
- Podgorica
- Country
- Montenegro
SEPA scheme participation
| Scheme | Status | Readiness date |
|---|---|---|
| SEPA Credit Transfer (SCT) | Registered | 6 October 2025 |
Montenegro is not an EU member state, so the deadlines of Regulation (EU) 2024/886 do not apply to it directly. Each bank decides whether to join the SEPA Instant scheme.
Identify another bank by IBAN
Frequently asked questions
Does Zapad banka AD Podgorica accept SEPA Instant transfers?
It may participate through another institution. In the euro area banks must receive instant payments since January 2025: confirm before sending.
What is the BIC code of Zapad banka AD Podgorica?
ZBCGMEPGXXX.