ATMs at Tivat Airport (TIV): Locations, Fees, Hours

Location: Tivat, Montenegro Currency: EUR € European Euro

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ATMs in Tivat Airport (TIV) Locations & Hours

Here’s a complete list of ATMs located inside Tivat Airport (TIV), plus additional ATMs and banks near Tivat Airport (TIV) for convenient cash withdrawals before or after your flight.

Addiko Bank (ATM) — TIV Arrivals Public Lobby (Landside)

  • Location: After exiting the arrivals transit area, in the public Arrivals lobby (landside)
  • Hours: Generally accessible whenever the terminal public area is open (often aligned to flight operations)

NLB Banka (ATM) — TIV Arrivals Public Lobby (Landside)

  • Location: Public Arrivals lobby (landside), near/along the main passenger flow after you exit the arrivals transit area
  • Hours: Generally accessible whenever the terminal public area is open (often aligned to flight operations)

Second Airport ATM (Operator Not Clearly Posted Online) — TIV Arrivals Public Lobby (Landside)

  • Location: Public Arrivals lobby (landside), typically positioned close to the other airport ATM in the same lobby area
  • Hours: Generally accessible whenever the terminal public area is open (often aligned to flight operations)

Hipotekarna Banka (Bank Branch / ATM) — Central Tivat

  • Location: 21. novembra 21, Tivat (city-center area; useful if you’re staying in town)
  • Hours: Mon–Fri 08:00–15:30 (branch); ATM access outside branch hours may vary by machine placement

Erste Bank (ATM) — Porto Montenegro (Tivat)

  • Location: Porto Montenegro (Tivat marina complex) — ATM at the branch
  • Hours: 24 hours

CKB (ATM) — Porto Montenegro (Tivat)

  • Location: Porto Montenegro (Tivat marina complex) — Residences Teuta area
  • Hours: 24 hours

Erste Bank (Bank Branch) — Tivat Center

  • Location: Njegoševa 4, Tivat
  • Hours: Mon–Fri 08:30–15:30; Sat 08:30–12:30; Sun closed

Erste Bank (ATM) — Tivat Waterfront

  • Location: Obala bb, Tivat (waterfront/promenade area)
  • Hours: Not published (street ATMs are commonly 24/7; confirm on-site)

NLB Banka (Bank Branch) — Tivat Center

  • Location: Palih boraca 10, Tivat
  • Hours: Mon–Fri 08:00–16:00; Sat 08:00–13:00; Sun closed

Prva Banka Crne Gore (ATM) — Pine (Tivat Waterfront)

  • Location: Pine bb, Branch Office Tivat (waterfront area; practical for hotels and marina)
  • Hours: Not published (ATM access is commonly 24/7 if placed outside; confirm on-site)

Prva Banka Crne Gore (ATM) — Bus Station Tivat

  • Location: Bus station Tivat (handy if you’re connecting by bus after landing)
  • Hours: Not published (often 24/7; confirm on-site)

Prva Banka Crne Gore (ATM) — 21. novembar (Tivat)

  • Location: 21. novembar, Tivat (central corridor; good backup if airport ATMs are busy)
  • Hours: Not published (often 24/7; confirm on-site)

Prva Banka Crne Gore (ATM) — Kukuljina bb (IDEA Market Area)

  • Location: Kukuljina bb (IDEA market), Tivat area (useful if you’re heading toward Kotor/Budva by road)
  • Hours: Not published (often 24/7; confirm on-site)

Prva Banka Crne Gore (ATM) — HD Laković, Radanovići (Near Tivat Airport Corridor)

  • Location: Radanovići bb (HD Laković), between Tivat/Kotor/Budva routes (good roadside fallback)
  • Hours: Not published (often 24/7; confirm on-site)

Tivat Airport (TIV) ATMs Walkthrough & Map

Follow the step-by-step walkthrough below to find ATMs when arriving at Tivat Airport (TIV). For terminal maps and official airport info, visit Tivat Airport (TIV) map/homepage.

Arrivals (TIV) — Step-by-Step to the Main Landside ATM Area

  1. After landing, follow signs for Arrivals.
  2. If your flight is international, complete Passport Control (Immigration) if required, then continue toward Baggage Claim.
  3. Collect your luggage, then proceed to Customs (if applicable) and follow the flow to the exit.
  4. When you step out into the public Arrivals lobby (landside), slow down and scan the walls near the main passenger path for “ATM” signage or the visible ATM machines.
  5. Look for the cluster of airport ATMs in this public lobby area (this is where the most commonly reported TIV ATMs are located).
  6. Withdraw the cash you need (taxis and small vendors around the Bay of Kotor often prefer cash, especially during busy periods).
  7. Before confirming the withdrawal, review the ATM screen for any operator surcharge and avoid Dynamic Currency Conversion (DCC) if offered (choose to be charged in EUR).
  8. Once finished, continue outside to the taxi / pick-up / car rental area.

If You Miss the ATMs or Walk Outside First

  1. If you’ve already exited the terminal, turn around and go back through the main entrance into the public Arrivals lobby (landside).
  2. Stand near the primary passenger flow (where arriving passengers gather) and look for the most visible ATM machines.
  3. If you still can’t find them, ask the Information counter staff where the ATM is located.

Quick TIV Landmarks That Mean You’re Close

  • If you’re in the public Arrivals lobby (before you step outside), you’re in the correct zone for the in-terminal ATMs.
  • If you can see the outside curb / pick-up lanes, you may be just past the easiest ATM spot—turn back inside and scan the public lobby.
  • If the airport ATMs are out of cash or have long lines, your fastest backup is usually central Tivat (bank ATMs near Pine / the promenade) or Porto Montenegro.

Use the map below to find the nearest ATMs and banks near Tivat Airport (TIV), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.

ATM Withdrawal Tips & Advice for Tivat Airport (TIV)

  • Expect very limited choice inside TIV: Tivat Airport is a compact terminal, and the number of in-terminal ATMs is limited. If the airport ATM line is long (common in peak summer waves), consider heading straight to a bank ATM in central Tivat or Porto Montenegro instead.
  • Check the ATM branding before you insert your card: Travellers report that one of the airport ATMs is bank-operated (e.g., NLB), and advise avoiding non-bank “independent” ATMs when possible. If you have time, bank ATMs in town are typically the safer bet for clearer fee screens.
  • Budget for a possible operator fee at the airport: Airport cash machines can charge a fixed ATM operator surcharge. If you see a fee on-screen you don’t like, cancel and try the other airport ATM or withdraw later in Tivat/Kotor/Budva.
  • Use EUR only on the ATM screen: Montenegro uses the Euro. If the ATM offers Dynamic Currency Conversion (charging your home currency), decline it and choose to be charged in EUR to avoid inflated exchange rates.
  • Withdraw what you need in one go (within your bank limits): Because TIV may have only a couple of machines available, it can be smarter to do one withdrawal instead of multiple smaller withdrawals that each trigger a surcharge.
  • Have a “no-cash” backup plan for your first 30 minutes: If the airport ATM is empty or offline, you may still need to pay a taxi, buy a SIM, or grab water/snacks. A contactless card + a small amount of EUR from home (or a plan to stop at an in-town ATM) prevents stress.
  • Timing matters at TIV: Many flights arrive in clusters. If you land with multiple inbound flights, the Arrivals lobby can get crowded—use the ATM quickly after you exit the arrivals flow, then move away from the bottleneck so others can access it.
  • Keep your receipt until you settle in: If something looks wrong on your statement (duplicate charge, wrong amount), the receipt helps your bank investigate. This is especially useful if you used a “fallback” ATM operator you don’t usually use.

FAQs – Tivat Airport (TIV) ATMs

Are there ATMs inside Tivat Airport (TIV)?
Yes. Tivat Airport has in-terminal ATMs in the public Arrivals lobby (landside), after you exit the arrivals transit flow.

Where exactly are the ATMs at TIV when I arrive?
After you exit into the public Arrivals lobby (landside), look for an ATM in that lobby area—this is the most consistently reported ATM location in the terminal.

How many ATMs are there inside Tivat Airport?
Public sources consistently describe a small number of airport ATMs (often referenced as two machines). Tivat Airport does not publish a detailed ATM directory, so the exact count and operators can change.

Do Tivat Airport ATMs charge extra fees?
They can. Always read the on-screen message before you accept the withdrawal—if the operator surcharge looks high, cancel and try the other airport ATM or withdraw at a bank ATM in Tivat.

Is there a currency exchange office at Tivat Airport?
Reports indicate the airport exchange office may not be operating; plan on using an ATM or exchanging money in town if you need cash immediately.

What currency do Tivat Airport ATMs dispense?
EUR (Euro).

What should I do if the airport ATM is out of cash or not working?
Go to a bank ATM in Tivat (Pine / promenade area), Porto Montenegro, or a roadside commercial area on the way to Kotor/Budva (for example, Radanovići).

Can I access the airport ATMs late at night or very early?
Access depends on whether the terminal’s public area is open at that time. If you arrive outside busy flight periods and the terminal is quiet, be prepared to use an in-town ATM as backup.

Tivat Airport Related Services

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