San Marino IBAN at a Glance
| Country | San Marino (SM) |
| Length | 27 characters |
| Structure (after SM + check digits) | 1a check, 5n bank, 5n branch, 12c account |
| Example IBAN | SM86 U032 2509 8000 0000 0270 100 |
| SEPA member | Yes |
The example above is the published ISO registry sample for San Marino. It passes checksum validation but is not a real account.
How to Read a San Marino IBAN
Every IBAN starts the same way: the first two letters are the country code (SM) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is San Marino's domestic account format: 1a check, 5n bank, 5n branch, 12c account.
For an international transfer to San Marino you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in San Marino for free. Timing matters too: transfers do not settle on San Marino bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a San Marino IBAN?
San Marino IBANs are exactly 27 characters long, starting with SM followed by 2 check digits.
Is San Marino part of SEPA?
Yes, San Marino 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 San Marino 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 San Marino IBAN?
After the country code and check digits, a San Marino IBAN contains: 1a check, 5n bank, 5n branch, 12c account.