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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. Montenegro is outside the EEA; SEPA availability depends on participating banks and the payment route. Required routing details and charges depend on the banks, currency and payment route; check them in advance with your bank. Before joining SEPA, such payments still ran over SWIFT.

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

CountryMontenegro (ME)
IBAN length22 characters
FormatMEkk BBBC CCCC CCCC CCCC KK

Visual breakdown

Fictitious format example, not payment data:

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

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Frequently asked questions

How do I check the length of an IBAN from Montenegro?
Remove spaces and count 22 characters. The first two characters are ME; the remaining positions follow MEkk BBBC CCCC CCCC CCCC KK. A different length is formally invalid for this country format.
What do the check digits in a Montenegro 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