Sveti Stefan is about 6km south of Budva, the closest town with real transport connections. Local buses run frequently along the coastal road and stop at Sveti Stefan — the journey from Budva takes around 15 minutes. The same buses continue south to Petrovac.
The nearest airports are Tivat (around 30km north) and Podgorica (around 75km inland). Taxis from Tivat take about 40 minutes; from Podgorica allow 90 minutes. Bus connections from Podgorica require a change in Budva.
From Budva, the coastal path is a pleasant 30-minute walk to Sveti Stefan — flat, well-maintained, and with good views of the coast along the way. In summer a water taxi also connects Budva beach with the Sveti Stefan area.