Wise Logo
Wise (formerly TransferWise) is a trusted money transfer service used by millions of digital nomads worldwide.

Low-fee international transfers.

Affiliate disclosure
Nomad Score: 66%

πŸ’° Cost & Affordability

πŸ’Έ Cost of Living
71% Weight: 150
Moderately affordable compared to Western Europe, with reasonable prices for daily expenses but higher than some Balkan neighbors.
🏠 Accommodation Cost
65% Weight: 80
Rental prices are moderate but can spike during tourist season; affordable options exist outside the city center.
🍎 Food & Groceries
78% Weight: 40
Local markets and grocery stores offer fresh produce at good prices; dining out is affordable with many local eateries.
🚌 Transportation Cost
80% Weight: 20
Public transport is inexpensive; taxis and ride-sharing are affordable but less frequent.
🎟️ Entertainment Cost
69% Weight: 15
Entertainment options are moderately priced; nightlife and cultural events are affordable but limited in variety.
πŸ‹οΈ Gym Membership Cost
73% Weight: 10
Gyms offer reasonable monthly rates, with some premium facilities available at higher prices.
πŸ’± Currency Stability
67% Weight: 30
Montenegro uses the Euro unofficially; stable currency but dependent on Eurozone economic factors.

πŸ’» Digital Nomad Essentials

πŸš€ Internet Speed
76% Weight: 100
Average broadband speeds around 50-100 Mbps; reliable connections in urban areas.
πŸ‘₯ Coworking Spaces Availability
54% Weight: 40
Limited coworking spaces available; mostly small-scale and seasonal.
β˜• Cafes with WiFi
79% Weight: 30
Many cafes offer free WiFi with decent speeds, popular among locals and tourists.
πŸ’»β˜• Digital Nomad Friendly Cafes
68% Weight: 30
Some cafes cater to remote workers but amenities like power outlets and quiet spaces are limited.
🌟 Digital Nomad Popularity
52% Weight: 100
Growing but still niche; more popular in nearby coastal cities like Budva and Kotor.
πŸ“± Local SIM Card Availability
82% Weight: 25
Easy to purchase prepaid SIM cards with good data packages.

🌟 Quality of Life

βš–οΈ Work-Life Balance
77% Weight: 30
Relaxed lifestyle with good balance between work and leisure, especially during off-peak seasons.
🌳 Environmental Quality
75% Weight: 15
Good air and water quality; coastal location benefits from natural surroundings.
🧼 Cleanliness
69% Weight: 10
Generally clean city, though tourist influx can impact cleanliness during peak months.
πŸ—¨οΈ Language Barrier
56% Weight: 30
Montenegrin is the official language; English is spoken in tourist areas but less so elsewhere.
πŸ’¨ Air Quality
78% Weight: 15
Generally good air quality due to coastal breezes and limited heavy industry.
πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Family Friendly
67% Weight: 25
Suitable for families with access to schools and parks; limited international schooling options.

πŸ₯ Healthcare

πŸ₯ Healthcare Quality
63% Weight: 20
Basic healthcare services are available; for specialized care, travel to larger cities or abroad may be necessary.
πŸ’‰ Healthcare Affordability
74% Weight: 25
Healthcare costs are relatively low compared to Western Europe.
πŸ₯ Healthcare
65% Weight: 20
Adequate for minor issues; limited advanced medical facilities locally.

🌿 Climate & Environment

β˜€οΈ Weather
84% Weight: 80
Mediterranean climate with hot summers and mild winters; mostly sunny and pleasant.
πŸŒͺ️ Natural Disaster Risk
72% Weight: 10
Low risk of major natural disasters; occasional earthquakes and flooding possible but rare.
🏞️ Green Spaces
70% Weight: 10
Several parks and proximity to natural reserves; good access to outdoor green areas.
❄️ Air Conditioning
67% Weight: 15
Air conditioning is common in newer buildings and hotels but less so in older residences.
πŸ‚ Seasonal Variety
68% Weight: 10
Distinct seasons with warm summers and mild winters; less variation compared to continental climates.
πŸ”Š Noise Pollution
63% Weight: 10
Moderate noise levels; tourist season increases noise especially near the marina and city center.

🎭 Culture & Entertainment

🎭 Culture
73% Weight: 20
Rich cultural heritage with festivals, historic sites, and a blend of Mediterranean and Balkan influences.
πŸŒƒ Nightlife
61% Weight: 15
Nightlife is modest; more vibrant in nearby coastal towns but limited options in Tivat itself.
🏞️ Outdoors & Nature
81% Weight: 15
Excellent access to beaches, mountains, and outdoor activities like hiking and sailing.
πŸ—£οΈ Language Learning Opportunities
50% Weight: 10
Limited formal language schools; informal learning possible through community and locals.
🧭 Local Experiences & Tours
74% Weight: 10
Good variety of local tours, especially related to nature and history.
🎳 Indoors Fun
58% Weight: 10
Limited indoor entertainment options; some cinemas and cultural centers available.

🍎 Food & Fitness

🍽️ Food Scene
76% Weight: 25
Diverse food options with Mediterranean and Balkan cuisine; fresh seafood widely available.
🧠 Yoga Studios
53% Weight: 10
Few dedicated yoga studios; some fitness centers offer yoga classes.
πŸ‹οΈ Fitness Facilities
65% Weight: 15
Several gyms and fitness centers, though options are limited compared to larger cities.
πŸ₯— Healthy Food Options
72% Weight: 15
Good availability of fresh fruits, vegetables, and seafood; organic options growing.

πŸ’Ό Work Environment

πŸ•°οΈ Time Zone Favorability
79% Weight: 20
Central European Time zone suits remote work with Europe and parts of Africa and the Middle East.
🀝 Networking Opportunities
51% Weight: 25
Limited formal networking events; informal meetups occur but are not frequent.
πŸ’» Remote Job Opportunities
48% Weight: 20
Local remote job market is small; most opportunities come from international companies.
πŸ†“ Freelance Ecosystem
50% Weight: 20
Emerging freelance community but still small and informal.
🏒 Coworking Quality
53% Weight: 30
Coworking spaces are basic with limited amenities and seasonal availability.

πŸ“ˆ Business & Economy

πŸš€ Startup Scene
42% Weight: 15
Startup ecosystem is nascent with few incubators or accelerators.
πŸ’³ Local Payment Services
60% Weight: 10
Basic banking and payment services available; limited advanced fintech options.
πŸ”— Blockchain & Crypto Adoption
55% Weight: 15
Growing interest but limited infrastructure and regulation.

πŸš† Transportation

✈️ Airport Connectivity
77% Weight: 30
Tivat Airport offers seasonal international flights; good connectivity during summer.
πŸš‡ Public Transit
59% Weight: 20
Limited public transit options; buses available but infrequent.
🚢 Walkability
70% Weight: 20
Compact city center is walkable; outskirts require transport.
πŸš— Ride-sharing Services
54% Weight: 15
Ride-sharing apps are available but not widespread.
🚲 Cycling
63% Weight: 10
Some cycling paths exist; terrain can be hilly but suitable for recreational cycling.
πŸš„ Intercity Travel Options
67% Weight: 15
Bus connections to nearby cities are available; limited train services.
πŸ›΅ Scooter/Bike Rental Availability
60% Weight: 10
Seasonal scooter and bike rentals available, mostly targeting tourists.

πŸ“‘ Connectivity

πŸ“± Mobile Network Coverage
78% Weight: 20
Good 4G coverage throughout the city and surrounding areas; 5G rollout limited.
πŸ”’ VPN Reliability
80% Weight: 20
VPN services work reliably with no known restrictions.
⚑ Power Grid Reliability
74% Weight: 15
Generally stable electricity supply with occasional short outages.
πŸ“Ά Public WiFi Availability
65% Weight: 10
Public WiFi available in some public areas and cafes but not widespread.

βš–οΈ Legal & Administrative

πŸ›‚ Visa Ease
62% Weight: 40
Montenegro offers visa-free entry for many countries; visa processes are straightforward.
πŸ“Š Tax Friendliness
55% Weight: 30
Moderate tax rates; no specific digital nomad tax incentives.
πŸ—£οΈ Freedom of Speech
71% Weight: 15
Generally free media environment with some political pressures.
πŸ›οΈ Political Stability
68% Weight: 20
Relatively stable but occasional political tensions exist.
🏦 Ease of Opening Bank Account
57% Weight: 15
Possible but can be bureaucratic and requires local documentation.
πŸ“„ Ease of Business Registration
60% Weight: 10
Business registration is possible but involves paperwork and some delays.
πŸ“„βœˆοΈ Digital Nomad Visa Availability
0% Weight: 35
No specific digital nomad visa available as of June 2025.

🌍 Digital Nomad Community

🌍 Nomad Friendly
58% Weight: 50
Moderately friendly with growing awareness but limited infrastructure.
🀝 Nomad Events & Meetups
45% Weight: 25
Few organized nomad events; mostly informal gatherings.
🌐πŸ‘₯ Online Community Presence
53% Weight: 20
Small but active online groups focused on Montenegro and the Adriatic region.

πŸ›‘οΈ Safety & Tolerance

πŸ›‘οΈ Safety
76% Weight: 100
Generally safe with low crime rates; usual precautions advised.
♀️ Female Friendly
64% Weight: 50
Moderately female-friendly; cultural norms are traditional but urban areas are more progressive.
✊ Racial Tolerance
60% Weight: 50
Generally tolerant but occasional incidents reported; diverse tourist presence helps.

Feedback Thank You!

Thank you!

Your feedback has been submitted successfully.

  • Navigate
  • Tools