Average Bank Client Service Associate Salary in Montenegro for 2026

In this article, we will look at the average Bank Client Service Associate salary for 2026 in Montenegro and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Euro. To keep things simple, we are using the EUR currency code instead of the currency symbol €.

How Much Does a Bank Client Service Associate Make in Montenegro?

A Bank Client Service Associate working in Montenegro will typically earn around 15,760 EUR per year, and this can range from the lowest average salary of about 7,620 EUR to the highest average salary of 25,940 EUR.

These are average salaries for a Bank Client Service Associate in Montenegro and include benefits such as housing and transport. It's also possible for a Bank Client Service Associate to earn more or less than the average salaries shown above.

Bank Client Service Associate salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Bank Client Service Associate Salaries in Montenegro

So we've looked at the average salaries a Bank Client Service Associate will earn in Montenegro. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Bank Client Service Associate can earn between 7,620 EUR and 25,940 EUR on average in Montenegro. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Bank Client Service Associate in Montenegro is 18,780 EUR. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 18,780 EUR, and 50% of the population earn more than 18,780 EUR.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Bank Client Service Associate salary in Montenegro, 25% of the population are earning less than 12,760 EUR while 75% of the population earn more than 12,760 EUR.

75% of the population earn less than 24,840 EUR, and 25% of the population earn more than 24,840 EUR.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

Bank Client Service Associate Salary by Experience Level in Montenegro

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Bank Client Service Associate salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

• 0 - 2 Years Experience. A Bank Client Service Associate in Montenegro that has less than two years of experience can expect to earn somewhere in the region of 10,100 EUR.
• 2 - 5 Years Experience. With two to five years of experience the average Bank Client Service Associate salary would increase to 12,760 EUR.
• 5 - 10 Years Experience. From five to ten years of experience as a Bank Client Service Associate, the average salary would be 18,260 EUR.
• 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 19,160 EUR.
• 15 - 20 Years Experience. A Bank Client Service Associate with 15 to 20 years of experience can earn an average of 20,460 EUR.
• 20+ Years Experience. For a Bank Client Service Associate with more than 20 years, the expected average salary increases to 23,660 EUR.

Average Salary by Experience Chart

Bank Client Service Associate Salary by Education Level in Montenegro

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Bank Client Service Associate in Montenegro based on the education level of the employees in order to find out whether a better education level would increase your salary.

• Certificate or Diploma. A Bank Client Service Associate in Montenegro with a certificate or diploma education can earn an average salary of 8,100 EUR.
• Bachelor's Degree. A Bank Client Service Associate in Montenegro with a bachelor's degree education can earn an average salary of 13,100 EUR.
• Master's Degree. A Bank Client Service Associate in Montenegro with a master's degree education can earn an average salary of 25,680 EUR.

Average Salary by Education Chart

Bank Client Service Associate Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Montenegro, a male bank client service associate will earn an average of 15,380 EUR, while a female bank client service associate will earn around 17,260 EUR.

This means that a male bank client service associate earns approximately 11% less than a female bank client service associate for performing the same job.

Average Salary by Gender Chart in Montenegro

Bank Client Service Associate Average Pay Raise in Montenegro

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Bank Client Service Associate in Montenegro is around 8% every 26 months.

The national average pay raise across all professions and industries in Montenegro is around 5% every 28 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 8 ÷ 26 ) × 12  = 4%

What this means is that a Bank Client Service Associate in Montenegro can expect to receive an average pay raise of around 4% every 12 months.

Annual Pay Raise by Industry in Montenegro for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Montenegro.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Bank Client Service Associate Bonus and Incentive Rates in Montenegro

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Bank Client Service Associate is a low bonus based job, with 40% of employees reporting at least one bonus in the last 12 months.

60% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 2% to 7%.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Montenegro earn approximately 32% more than private sector employees in the same role.

Salaries for Jobs Similar to a Bank Client Service Associate

In the table below, we have salary information for jobs that are similar to a Bank Client Service Associate in Montenegro.