IBAN · ME
IBAN format in Montenegro: structure, length and example
An IBAN in Montenegro is 22 characters long and always starts with ME. Montenegro entered the geographic scope of the SEPA schemes in November 2024, with banks able to join from October 2025, so euro payments can arrive under the SEPA schemes — through the banks that have signed up. Not every local bank has, so confirm with the receiving bank before you send. The details below come from the official IBAN registry maintained by SWIFT as registration authority for ISO 13616.
IBANs run from 15 to 33 characters worldwide, so at 22 this one sits below the average of 24. 9 other countries use the same length, which is why the two opening letters matter — they are what tells the sending bank where the money is going. There is no separate branch identifier: the number points at the bank and the account, not at a particular office. The format has been in force since April 2007.
Montenegro IBAN at a glance
| Field | Value |
|---|---|
| IBAN country code | ME |
| IBAN length | 22 characters |
| Domestic account number length | 18 characters |
| IBAN structure | ME2!n3!n13!n2!n |
| SEPA member | Yes — since November 2024 |
| Example (electronic) | ME25505000012345678951 |
| Example (printed) | ME25 5050 0001 2345 6789 51 |
How an IBAN in Montenegro breaks down
Taking the registry's own example, ME25 5050 0001 2345 6789 51:
| Part | Value | What it is |
|---|---|---|
| Country code | ME | Always ME for Montenegro |
| Check digits | 25 | Calculated from the rest of the number (ISO 7064 mod-97) |
| Bank identifier | 505 | Positions 1–3 of the domestic account number |
| Account number | 000012345678951 | Identifies the account at that bank |
Letters in the structure notation mean: n digits,
a uppercase letters, c letters or digits; ! means the length
is fixed.
How to send money to an account in Montenegro
- Ask for the IBAN in full — including the country code at the front. Spaces do not matter; banks strip them.
- Check the name matches the account. The check digits catch typing mistakes, not wrong recipients.
- Send — and keep the reference number until the recipient confirms arrival.
Common questions
How many characters is an IBAN in Montenegro?
22 characters, starting with the country code ME. Written on paper it is normally grouped in blocks of four, like ME25 5050 0001 2345 6789 51.
What does a Montenegro IBAN look like?
ME25 5050 0001 2345 6789 51 is the format example published in the official IBAN registry. The first two letters are the country code, the next two are check digits, and the rest identifies the bank and the account.
Do I need a BIC as well as the IBAN for Montenegro?
It depends on the route and on the sending bank. Ask whether a BIC/SWIFT code is needed alongside the IBAN before you send.
Can I check an IBAN before sending money?
The check digits let any bank detect a mistyped IBAN, but they cannot tell you whether the account belongs to the person you think. Confirm the name and the number with the recipient.
Where this data comes from
Structure, length and examples come from the official IBAN Registry published by SWIFT as registration authority for ISO 13616, snapshot of 2026-08-21. Worked examples are derived from the registry's own sample values. Whether a country is inside SEPA is taken from the European Payments Council list of countries in the SEPA schemes, not from the registry: the registry records the position at its own release date and lags behind admissions. Corrections: [email protected].
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