IBAN
IBAN in Montenegro
A Montenegro IBAN has 22 characters. See its structure field by field, a valid example, and check or calculate an IBAN.
At a glance
- Length
- 22 characters
- Starts with
- ME
- Example (electronic)
- ME25505000012345678951
- Example (print)
- ME25 5050 0001 2345 6789 51
- SEPA
- No — SWIFT or local routes
- Bank code
- 3 digits, positions 5–7
Structure, field by field
ME25505000012345678951
| Positions | Field | Length | Type | Example |
|---|---|---|---|---|
| 1–2 | Country code | 2 | letters | ME |
| 3–4 | Check digits | 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 |
Check or calculate a Montenegro IBAN
Where to find it
On the account holder’s bank statement, in their online or mobile banking under account details, or on the invoice of a supplier who wants to be paid by transfer. If you only have the bank code and account number, the calculator above builds the IBAN — but confirm the result with the beneficiary.
SWIFT codes for banks in Montenegro →Questions
- How many characters is a Montenegro IBAN?
- 22, always starting with ME. In print it is written in groups of four: ME25 5050 0001 2345 6789 51.
- Can I pay a Montenegro IBAN by SEPA?
- No. Montenegro is outside SEPA: payments go by SWIFT (or a local route), and you need the bank’s SWIFT/BIC code with the IBAN.
- Does a valid IBAN mean the account exists?
- No. The check digits prove the number is well-formed, which catches almost every typo. Only the beneficiary’s bank can confirm the account is open and in their name.
Paying an IBAN in Montenegro?
See the fee and the exchange rate before you confirm, and the day the money should arrive.