Malta IBAN at a Glance
| Country | Malta (MT) |
| Length | 31 characters |
| Structure (after MT + check digits) | 4a bank, 5n branch, 18c account |
| Example IBAN | MT84 MALT 0110 0001 2345 MTLC AST0 01S |
| SEPA member | Yes |
The example above is the published ISO registry sample for Malta. It passes checksum validation but is not a real account.
How to Read a Malta IBAN
Every IBAN starts the same way: the first two letters are the country code (MT) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Malta's domestic account format: 4a bank, 5n branch, 18c account.
For an international transfer to Malta you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Malta for free. Timing matters too: transfers do not settle on Malta bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Malta IBAN?
Malta IBANs are exactly 31 characters long, starting with MT followed by 2 check digits.
Is Malta part of SEPA?
Yes, Malta 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 Malta 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 Malta IBAN?
After the country code and check digits, a Malta IBAN contains: 4a bank, 5n branch, 18c account.