Monaco IBAN at a Glance
| Country | Monaco (MC) |
| Length | 27 characters |
| Structure (after MC + check digits) | 5n bank, 5n branch, 11c account, 2n key |
| Example IBAN | MC58 1122 2000 0101 2345 6789 030 |
| SEPA member | Yes |
The example above is the published ISO registry sample for Monaco. It passes checksum validation but is not a real account.
How to Read a Monaco IBAN
Every IBAN starts the same way: the first two letters are the country code (MC) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Monaco's domestic account format: 5n bank, 5n branch, 11c account, 2n key.
For an international transfer to Monaco you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Monaco for free. Timing matters too: transfers do not settle on Monaco bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Monaco IBAN?
Monaco IBANs are exactly 27 characters long, starting with MC followed by 2 check digits.
Is Monaco part of SEPA?
Yes, Monaco participates in SEPA (Single Euro Payments Area), so euro transfers to and from other SEPA countries are fast and low-cost.
Can I validate a Monaco IBAN without sending it anywhere?
Yes, use the checker above. Validation runs in your browser using the ISO 7064 mod-97 algorithm, the IBAN never leaves your device.
What is the structure of a Monaco IBAN?
After the country code and check digits, a Monaco IBAN contains: 5n bank, 5n branch, 11c account, 2n key.