San Marino IBAN calculator and checker

A San Marino IBAN has 27 characters: SM, two check digits, then the check letter (CIN), bank code (ABI), branch code (CAB) and account number. Enter the local details to build one, or paste an IBAN to check it, all in your browser.

Calculate or check a San Marino IBAN

Enter the check letter (CIN), bank code (ABI), branch code (CAB) and account number. 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.

SM IBAN format

A San Marino IBAN is 27 characters: SM, two check digits, then the check letter (CIN), bank code (ABI), branch code (CAB) and account number.

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
27 characters
Check digits
2 digits after SM
Check letter (CIN)
1 letter
Bank code (ABI)
5 digits
Branch code (CAB)
5 digits
Account number
12 characters
National check digit
CIN, the letter after the check digits
SEPA
Yes, outside the EEA
Printed format
SMkk xbbb bbss sssc cccc cccc ccc
Example IBAN
SM86 U032 2509 8000 0000 0270 100

Frequently asked questions

  • 27 characters: SM, two check digits, then the check letter (CIN), bank code (ABI), branch code (CAB) and account number. Printed in groups of four, it looks like SM86 U032 2509 8000 0000 0270 100.

  • San Marino uses the Italian layout: a check letter (CIN), a five-digit ABI bank code, a five-digit CAB branch code and a 12-character account number. Its IBAN is 27 characters like Italy’s, starting SM instead of IT.

  • Yes. San Marino is in SEPA’s geographical scope although it is not in the EU or the EEA; it joined by EPC decisions taken between 2006 and 2013. Euro payments to a San Marino 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 check letter (CIN), bank code (ABI), branch code (CAB) and account number and the country code SM 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 SM 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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