IBAN format in San Marino (SM)
An IBAN in San Marino is 27 characters long and starts with SM. A valid example: SM86 U032 2509 8000 0000 0270 100. San Marino participates in SEPA.
IBAN structure in San Marino
| Positions | Meaning | Length | Charset | In the example |
|---|---|---|---|---|
| 1–2 | Country code | 2 | uppercase letters | SM |
| 3–4 | Check digits (IBAN) | 2 | digits | 86 |
| 5 | National check digit | 1 | uppercase letters | U |
| 6–10 | Bank code | 5 | digits | 03225 |
| 11–15 | Branch code | 5 | digits | 09800 |
| 16–27 | Account number | 12 | alphanumeric | 000000270100 |
San Marino uses the Italian structure (CIN + ABI + CAB) and participates in SEPA.
SEPA status
San Marino participates in SEPA — euro transfers arrive like domestic ones (usually within 1 business day, no international-wire fees).
How do I check an IBAN?
Paste the number into the IBAN validator — it checks the MOD-97 checksum and the registered San Marino length instantly, fully in your browser.
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FAQ — IBAN in San Marino
How many characters does an IBAN in San Marino have?
A San Marino IBAN is exactly 27 characters: it starts with "SM", followed by 2 check digits and a 23-character national part (BBAN).
What does a San Marino IBAN look like?
A valid example IBAN for San Marino: SM86 U032 2509 8000 0000 0270 100. This is the official sample from the IBAN registry — real accounts follow the same structure.
Is San Marino in SEPA?
San Marino participates in SEPA — euro transfers arrive like domestic ones (usually within 1 business day, no international-wire fees). San Marino uses the Italian structure (CIN + ABI + CAB) and participates in SEPA.
Where can I check an IBAN from San Marino?
Use the free svcs.bg IBAN validator — it checks the MOD-97 checksum and the registered San Marino length right in your browser; the number is never sent to a server.
What is inside a San Marino IBAN?
After "SM" and the 2 check digits come: the national check digit (1 uppercase letters), the bank code (5 digits), the branch code (5 digits), the account number (12 alphanumeric).
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.