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IBAN Structure Montenegro

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

Montenegro's IBAN has 22 characters in the format MEkk BBBC CCCC CCCC CCCC KK. After the country code ME and the check digits come a 3-digit bank code, the 13-digit account number and two national check digits. Montenegro uses the euro unilaterally as its currency but is not an EU member. The country has taken part in SEPA since 2025, so euro transfers to Montenegro go through as ordinary SEPA payments — no BIC, no surcharge, at the same rate as a domestic transfer. Before joining SEPA, such payments still ran over SWIFT.

Overview

CountryMontenegro (ME)
IBAN length22 characters
FormatMEkk BBBC CCCC CCCC CCCC KK
Example IBANME25 5050 0001 2345 6789 51

Visual breakdown

Example IBAN:

ME25505000012345678951
Country codeCheck digitsBank codeAccount numberNational check digit(s)

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeME2ME for Montenegro (ISO 3166-1)
Check digits252Two check digits per MOD-97
Bank code50533-digit bank code
Account number00001234567891313-digit account number
National check digit(s)5122-digit national check digits

Example IBAN for Montenegro

The IBAN below illustrates the format for Montenegro. It is fictitious and shown for illustration only.

ME25 5050 0001 2345 6789 51

22 characters · Format MEkk BBBC CCCC CCCC CCCC KK

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Frequently asked questions

How many characters does an IBAN in Montenegro have?
An IBAN in Montenegro has exactly 22 characters. It consists of the country code ME, two check digits and the national account number (BBAN) with 18 characters.
How is a Montenegro IBAN structured?
The IBAN in Montenegro follows the format MEkk BBBC CCCC CCCC CCCC KK. ME is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: ME25 5050 0001 2345 6789 51.
What happens if I enter a wrong IBAN for Montenegro?
Thanks to the built-in check digits (MOD-97, ISO 7064), most typos in an IBAN are detected automatically. The bank rejects a malformed IBAN and the transfer is not executed. Always check an IBAN carefully against your records before you send a payment.

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