IBAN format in Montenegro (ME)
An IBAN in Montenegro is 22 characters long and starts with ME. A valid example: ME25 5050 0001 2345 6789 51. Montenegro does not participate in SEPA.
IBAN structure in Montenegro
| Positions | Meaning | Length | Charset | In the example |
|---|---|---|---|---|
| 1–2 | Country code | 2 | uppercase letters | ME |
| 3–4 | Check digits (IBAN) | 2 | digits | 25 |
| 5–7 | Bank code | 3 | digits | 505 |
| 8–20 | Account number | 13 | digits | 0000123456789 |
| 21–22 | National check digit | 2 | digits | 51 |
SEPA status
Montenegro does not participate in SEPA — transfers are processed as international (SWIFT), with higher fees and longer settlement.
How do I check an IBAN?
Paste the number into the IBAN validator — it checks the MOD-97 checksum and the registered Montenegro length instantly, fully in your browser.
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FAQ — IBAN in Montenegro
How many characters does an IBAN in Montenegro have?
A Montenegro IBAN is exactly 22 characters: it starts with "ME", followed by 2 check digits and a 18-character national part (BBAN).
What does a Montenegro IBAN look like?
A valid example IBAN for Montenegro: ME25 5050 0001 2345 6789 51. This is the official sample from the IBAN registry — real accounts follow the same structure.
Is Montenegro in SEPA?
Montenegro does not participate in SEPA — transfers are processed as international (SWIFT), with higher fees and longer settlement.
Where can I check an IBAN from Montenegro?
Use the free svcs.bg IBAN validator — it checks the MOD-97 checksum and the registered Montenegro length right in your browser; the number is never sent to a server.
What is inside a Montenegro IBAN?
After "ME" and the 2 check digits come: the bank code (3 digits), the account number (13 digits), the national check digit (2 digits).
The example IBAN is the official sample from the public IBAN registry (ISO 13616) and passes the MOD-97 check — it is not a real bank account.