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IBAN Structure Monaco

Last reviewed: · Source: ISO 13616 / SWIFT IBAN Registry

Monaco's IBAN has 27 characters in the format MCkk BBBB BGGG GGCC CCCC CCCC CKK — structurally identical to the French IBAN. After the country code MC and two check digits come a 5-digit bank code (Code Banque), a 5-digit branch code (Code Guichet), the 11-character account number and a two-digit national check key (Clé RIB). Monaco uses the euro under a monetary agreement with the EU without being an EU member itself. Monaco participates in SEPA but is outside the EEA. Required routing details and charges depend on the banks, currency and payment route; check them in advance with your bank.

Structural fields are based on the official SWIFT IBAN Registry. The editorial method and validation boundary are documented on our German editorial page (German).

Overview

CountryMonaco (MC)
IBAN length27 characters
FormatMCkk BBBB BGGG GGCC CCCC CCCC CKK

Visual breakdown

Fictitious format example, not payment data:

MC5811222000010123456789030
Country codeCheck digitsBank codeBranch codeAccount numberClé RIB

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeMC2MC for Monaco (ISO 3166-1)
Check digits582Two check digits per MOD-97
Bank code1122255-digit bank code (Code Banque)
Branch code0000155-digit branch code (Code Guichet)
Account number012345678901111-character account number (Numéro de compte)
Clé RIB3022-digit national check key (Clé RIB)

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Frequently asked questions

How do I check the length of an IBAN from Monaco?
Remove spaces and count 27 characters. The first two characters are MC; the remaining positions follow MCkk BBBB BGGG GGCC CCCC CCCC CKK. A different length is formally invalid for this country format.
What do the check digits in a Monaco IBAN mean?
The two check digits are calculated from the complete IBAN using ISO 7064 MOD-97. They help detect format and transcription errors. A passing checksum does not confirm that an account exists or identify its account holder.
What should I do when an IBAN is formally invalid?
Check the country code, character count, letters and digits, and the check digits. Compare the entry with your bank records or ask the bank for the correct IBAN. This checker validates structure and checksum; it does not verify account ownership or payment approval.

IBAN structure for other countries

Germany

22 characters · DEkk BBBB BBBB CCCC CCCC CC

Austria

20 characters · ATkk BBBB BCCC CCCC CCCC

Switzerland

21 characters · CHkk BBBB BCCC CCCC CCCC C

Liechtenstein

21 characters · LIkk BBBB BCCC CCCC CCCC C

France

27 characters · FRkk BBBB BGGG GGCC CCCC CCCC CKK

Spain

24 characters · ESkk BBBB GGGG KKCC CCCC CCCC

Italy

27 characters · ITkk XBBB BBGG GGGC CCCC CCCC CCC

Portugal

25 characters · PTkk BBBB SSSS CCCC CCCC CCCK K