Montenegro IBAN calculator and checker

A Montenegrin IBAN has 22 characters: ME, two check digits, then the bank code, account number and control digits. Enter the local details to build one, or paste an IBAN to check it, all in your browser.

Calculate or check a Montenegrin IBAN

Enter the bank code, account number and control digits. The calculator pads short numbers with zeros, works out any national check digits you leave empty and adds the two IBAN check digits.

Switch to Check to paste an IBAN instead: it tests the length, characters, check digits and national check, and shows the bank, branch and account parts. Nothing you type leaves the page.

ME IBAN format

A Montenegrin IBAN is 22 characters: ME, two check digits, then the bank code, account number and control digits.

In the printed format, k marks the check digits, a and b the bank, s the branch, sort code or prefix, c the account number and x a national check character.

IBAN length
22 characters
Check digits
2 digits after ME
Bank code
3 digits
Account number
13 digits
Control digits
2 digits
National check digit
Last 2 digits, ISO 7064 mod 97-10
SEPA
Yes, outside the EEA
Printed format
MEkk bbbc cccc cccc cccc xx
Example IBAN
ME25 5050 0001 2345 6789 51

Frequently asked questions

  • 22 characters: ME, two check digits, then the bank code, account number and control digits. Printed in groups of four, it looks like ME25 5050 0001 2345 6789 51.

  • The 18-digit Montenegrin account number, written like 505-0000123456789-51, already ends with two mod 97-10 control digits. The IBAN is ME, check digits and those 18 digits, and the control digits make the IBAN check come out as 25 every time.

  • Yes. The EPC admitted Montenegro to SEPA’s geographical scope on 21 November 2024, with an earliest operational date of 5 October 2025. Euro payments to a Montenegrin IBAN can go by SEPA credit transfer when the receiving bank takes part in the SEPA schemes.

  • With the ISO 7064 mod 97-10 algorithm. The bank code, account number and control digits and the country code ME are turned into digits, and the two check digits are chosen so the whole number leaves a remainder of 1 when divided by 97. The calculator does this for you and rejects any input that cannot make a valid ME IBAN.

  • Yes. The calculator and the checker run entirely in your browser: the details you enter are never sent to a server, stored or shared. There is no sign-up and no fee.

  • Yes. The calculator covers 41 countries and the checker all 89 in the SWIFT IBAN registry. Pick a different country in the form above, or open its page from the list below.

Paying an IBAN from stablecoins? Holyheld Business converts USDC to EUR and pays it out by SEPA. See pricing or the guide to off-ramping USDC to an IBAN.

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