IBAN format · ME

Montenegro IBAN format: 22 characters.

Montenegro IBANs have 22 characters: the country code ME, two check digits and an 18-character BBAN, the national account number, laid out as 3!n13!n2!n.

Montenegro IBAN structure

ME25505000012345678951

Country code: ME
Check digits: 25
Bank code: 505
Account: 000012345678951

Parts of a Montenegro IBAN and their positions
Positions	Part	In the example
1–2	Country code	ME
3–4	Check digits	25
5–7	Bank code	505
8–22	Account	000012345678951

The BBAN, segment by segment

The registry writes the BBAN in SWIFT notation: n is a digit, a an upper-case letter, c a letter or digit, and the ! means a fixed length. 3!n13!n2!n reads:

The Montenegro BBAN format, segment by segment
Positions	Notation	Holds	Example
5–7	3!n	3 digitsBank code	505
8–20	13!n	13 digits	0000123456789
21–22	2!n	2 digits	51

Montenegro IBAN example

ME25 5050 0001 2345 6789 51 is the sample the SWIFT IBAN Registry publishes for Montenegro: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (ME25505000012345678951); on paper it is printed in groups of four.

Its check digits, worked through with ISO 7064 mod 97-10:

Move the country code and check digits to the end
505000012345678951ME25
Replace each letter with two digits (A = 10 … Z = 35)
M = 22, E = 14
505000012345678951221425
Divide that number by 97 and keep the remainder
Remainder 1. A valid IBAN always leaves 1, so the check digits are right.
Where the check digits come from
Put 00 in their place (ME00…), repeat steps 1–3: remainder 73. The check digits are 98 − 73 = 25.

SEPA

Montenegro is in the Single Euro Payments Area, so SEPA credit transfers and direct debits can reach ME IBANs; whether a given bank takes part is up to that bank.

Joined the SEPA schemes in October 2025. Fewer banks there take part so far, and not always in every scheme: check the EPC’s register of scheme participants for the receiving bank.

What the format can and can’t tell you

Valid means the structure and check digits are right — not that the account exists or can receive payments.
National check digits inside the BBAN (e.g. the French RIB key, or the Spanish, Belgian and Italian CIN digits) are not verified.
Bank and branch codes are read from their positions; they are not looked up in a bank directory.

Check ME IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/ME25505000012345678951'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "ME25505000012345678951"
    }
  }
}

Response (JSON)

{
  "input": "ME25505000012345678951",
  "iban": "ME25505000012345678951",
  "print": "ME25 5050 0001 2345 6789 51",
  "valid": true,
  "country": {
    "code": "ME",
    "name": "Montenegro",
    "sepa": true,
    "sepaNote": "Joined the SEPA schemes in October 2025. Fewer banks there take part so far, and not always in every scheme: check the EPC’s register of scheme participants for the receiving bank."
  },
  "checkDigits": "25",
  "expectedCheckDigits": "25",
  "length": {
    "actual": 22,
    "expected": 22
  },
  "bban": "505000012345678951",
  "bbanFormat": "3!n13!n2!n",
  "bankCode": "505",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "ME",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "25",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "505",
      "start": 4,
      "end": 7,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "000012345678951",
      "start": 7,
      "end": 22,
      "kind": "account"
    }
  ],
  "checks": {
    "characters": true,
    "country": true,
    "length": true,
    "bbanFormat": true,
    "checksum": true
  },
  "errors": [],
  "notes": [
    "Valid means the structure and check digits are right — not that the account exists or can receive payments.",
    "National check digits inside the BBAN (e.g. the French RIB key, or the Spanish, Belgian and Italian CIN digits) are not verified."
  ]
}

The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.

From a national account number: GET /api/v1/iban/check-digits?country=ME&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 22-character IBANs

The same length doesn’t mean the same structure: compare the BBAN formats. All IBAN formats and lengths

Source: the SWIFT IBAN Registry (ISO 13616), transcribed and checked against each country’s registry example; the positions of bank and branch codes are given only where the registry’s are well established. The SWIFT IBAN Registry is the authority. Informational only.