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, which you can verify with our SWIFT Code Checker.
Frequently Asked Questions
How long is a San Marino IBAN?
Exactly 27 characters, always starting with SM.
Is San Marino part of SEPA?
Yes. Euro transfers to and from other SEPA countries are typically 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.