Money & ATM Scams in Kotor, Montenegro
Card skimming, currency exchange fraud, dynamic currency conversion, and cash cons. Below are the money & atm scams scams reported in Kotor — how they work and how to avoid them.
For broader context, compare this scam type with nearby destinations like Mykonos, Barcelona, and Krakow.
Last updated: April 2, 2026
1
Money & ATM Scams Scams
10
Total in Kotor
How it works
Street money changers operate informally in and around Kotor's Old Town, particularly near the Sea Gate entrance and Trg od Oružja (Arms Square). They target visitors arriving by cruise ship who need euros quickly and offer rates slightly better than the official bureau de change. After agreeing on the rate, they use sleight-of-hand to short-count the euros or slip in out-of-circulation or non-Montenegrin banknotes that are refused by local merchants.
See all scams in Kotor
10 total warnings across all categories