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IBAN Structure San Marino

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

San Marino's IBAN has 27 characters in the format SMkk XBBB BBGG GGGC CCCC CCCC CCC — structurally identical to the Italian IBAN. After the country code SM and the IBAN check digits come a single national check character (CIN), the 5-digit ABI bank code, the 5-digit CAB branch code and the 12-character account number. San Marino uses the euro under a monetary agreement with the EU without being an EU member. San Marino 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

CountrySan Marino (SM)
IBAN length27 characters
FormatSMkk XBBB BBGG GGGC CCCC CCCC CCC

Visual breakdown

Fictitious format example, not payment data:

SM86U0322509800000000270100
Country codeCheck digitsCINABI codeCAB codeAccount number

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeSM2SM for San Marino (ISO 3166-1)
Check digits862Two check digits per MOD-97
CINU11-letter national check character (Control Internal Number)
ABI code0322555-digit bank code (Associazione Bancaria Italiana)
CAB code0980055-digit branch code (Codice di Avviamento Bancario)
Account number0000002701001212-character account number (Numero di conto)

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Frequently asked questions

How do I check the length of an IBAN from San Marino?
Remove spaces and count 27 characters. The first two characters are SM; the remaining positions follow SMkk XBBB BBGG GGGC CCCC CCCC CCC. A different length is formally invalid for this country format.
What do the check digits in a San Marino 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