Montenegro IBAN
22 characters: the country code, two check digits, then the BBAN cut as below.
Anatomy of the official example
ME25505000012345678951
- Country code
- Check digits
- Bank code
- Account number
- National check or other
The example comes from the ISO 13616 registry; it belongs to nobody. Positions count from the first character of the IBAN.
| ISO code | ME |
|---|---|
| Length | 22 characters |
| Check digits | positions 3 to 4, ISO 7064 mod 97-10 |
| Bank code | positions 5 to 7 · 3!n |
| Account number | positions 8 to 20 · 13!n |
| Official example | ME25 5050 0001 2345 6789 51 |
| SEPA area | member · SCT |
| Verification of Payee | no duty to date |
| Bank-code register | Central Bank of Montenegro (banking identification codes in the RTGS system, banks only) |
SWIFT notation: n = digits, a = upper-case letters, c = alphanumeric characters; the exclamation mark fixes the exact length.
What the API checks on a Montenegro IBAN
- The length, the charset of every field and the mod-97 check digits.
- The bank code against Central Bank of Montenegro (banking identification codes in the RTGS system, banks only): the holder of every code it lists, without the weight of a register that settles a negative; the other codes against our composite map.
- The country's SEPA reachability and the open schemes (SCT).
- The Verification of Payee duty that does, or does not, bind the country's providers.
What the API answers for this code
The API checks this country's bank codes against Central Bank of Montenegro (banking identification codes in the RTGS system, banks only). We serve that register from a private file rather than publish it, so its answer to this example is not copied here: it is computed live, on the request. Try the example in the playground
Source: ISO 13616 registry for the length, layout and example; API answer captured on 2026-10-21.