Can I open a Skrill Account from Montenegro?
Let me guess: You've probably gone into Google and searched for "Skrill Montenegro" in the hope of a response to the question: "Is Skrill [the popular eWallet] available in Montenegro?" Bad news: Unfortunately, Skrill does not open Accounts to residents in Montenegro. However, you still need to make cheap transfers via a multicurrency [USD, EUR, GBP among many others] account, and you need to find an eWallet that is indeed available to clients in the country.
We have checked out the possible options that local clients have. We believe that you should try Transferwise (www.transferwise.com), which as a multicurrency eWallet that has the advantage of providing actual Bank Accounts in the local jurisdiction of the currency [i.e., it provides you with an account in the US for USD, an account in Belgium for Euro, an account in the UK for GBP, and so on]. If you need a proper money management solution, definitely Transferwise is worth checking.
I don't want to open an account with Skrill! I want to know what it is
In that case, Skrill is a financial platform that offers payment, shopping, and money transfer services. An Online Account with Skrill, in essence, works very similarly to a bank account, allowing: (a) to receive money, (b) to transfer money in a fast and straightforward way, and (c) to pay for products and services online. These types of accounts are called e-wallets.