Montenegro IBAN at a Glance
| Country | Montenegro (ME) |
| Length | 22 characters |
| Structure (after ME + check digits) | 3n bank, 13n account, 2n check |
| Example IBAN | ME25 5050 0001 2345 6789 51 |
| SEPA member | No |
The example above is the published ISO registry sample for Montenegro. It passes checksum validation but is not a real account.
How to Read a Montenegro IBAN
Every IBAN starts the same way: the first two letters are the country code (ME) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Montenegro's domestic account format: 3n bank, 13n account, 2n check.
For an international transfer to Montenegro you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Montenegro for free. Timing matters too: transfers do not settle on Montenegro bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Montenegro IBAN?
Montenegro IBANs are exactly 22 characters long, starting with ME followed by 2 check digits.
Is Montenegro part of SEPA?
No, Montenegro is not a SEPA country. Transfers are routed as international SWIFT payments.
Can I validate a Montenegro 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 Montenegro IBAN?
After the country code and check digits, a Montenegro IBAN contains: 3n bank, 13n account, 2n check.