Montenegro IBAN Validator

Montenegro IBAN Format

IBAN Breakdown

Frequently Asked Questions

What is the IBAN format for Montenegro?

A Montenegro IBAN is exactly 22 characters long. It starts with the country code "ME", followed by 2 check digits, then a 18-character BBAN (Basic Bank Account Number). The format pattern is: MEkk bbbx xxxx xxxx xxxx xx.

Is Montenegro part of SEPA?

No, Montenegro is not part of the Single Euro Payments Area (SEPA). International transfers to Montenegro typically use the SWIFT/BIC network instead of SEPA. These transfers may take 2–5 business days and often incur higher fees than SEPA transfers.

What currency does Montenegro use?

Montenegro uses the Euro (EUR). When sending international payments to Montenegro, you’ll need the recipient’s IBAN and may need to specify the currency as EUR.

How do I validate a Montenegro IBAN?

To validate a Montenegro IBAN: (1) Check the length is exactly 22 characters. (2) Verify the country code is "ME". (3) Validate the BBAN structure matches the expected pattern for Montenegro. (4) Apply the MOD-97 checksum algorithm by rearranging and converting letters to numbers. A valid IBAN always produces a remainder of 1 when divided by 97.

What does each part of a Montenegro IBAN mean?

A Montenegro IBAN (MEkk bbbx xxxx xxxx xxxx xx) breaks down as: Country Code (“ME”) identifies Montenegro, Check Digits (2 digits) catch transcription errors, Bank Code (3 characters), Account Number (12 characters), Check Digits (3 characters). Each segment is validated independently to ensure the IBAN is correctly formatted.

Banks in Montenegro

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