What is the Malta IBAN format?

Malta IBANs start with MT, followed by 2 check digits, then a 27-character BBAN encoding the bank code, branch code, and account number.

Malta is a SEPA member. Transfers from other SEPA countries are fast and low-cost.

MT SEPA Member

Malta IBAN Format

Q: How long is a Malta IBAN?

A Malta IBAN is 31 characters long.

31-character IBAN · EUR Euro · SEPA zone

A Malta IBAN is 31 characters long and always begins with the country code MT, followed by two check digits. The next 4 characters are the Bank Code. This is followed by the Branch Code (5 characters). The remaining 18 characters identify the individual account number. The Malta IBAN uses the EUR (Euro) and is a <strong>SEPA member</strong>, meaning euro transfers from other SEPA countries are fast and low-cost.

Length

characters

Country Code

ISO 3166-1

Currency

EUR

Euro

SEPA

Yes

SEPA member

Example IBAN

MT84 MALT 0110 0001 2345 MTLC AST0 01S

MT Country

84 Check Digits

MALT Bank Code

01100 Branch Code

0012345MTLCAST001S Account Number

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	MT
3–4	2	Check Digits	n	84
5–8	4	Bank Code	a	MALT
9–13	5	Branch Code	n	01100
14–31	18	Account Number	c	0012345MTLCAST001S

n = numeric only (0–9) a = alphabetic only (A–Z) c = alphanumeric (0–9, A–Z)

Validate a Malta IBAN

Paste a Malta IBAN below to check it.

Malta IBAN Regex Pattern

^MT\d{2}[A-Z]{4}\d{5}[A-Z0-9]{18}$

Pattern validates length, country code, check digit positions, and field character types. Does not verify the MOD-97 checksum (use the validator above for full validation).

PHP

$iban = strtoupper(str_replace(' ', '', $input));
if (!preg_match('/^MT\\d{2}[A-Z]{4}\\d{5}[A-Z0-9]{18}$/', $iban)) {
    // Invalid Malta IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^MT\d{2}[A-Z]{4}\d{5}[A-Z0-9]{18}$/;
if (!pattern.test(iban)) {
  // Invalid Malta IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^MT\d{2}[A-Z]{4}\d{5}[A-Z0-9]{18}$'
if not re.fullmatch(pattern, iban):
    # Invalid Malta IBAN format

These snippets check format only. For full IBAN validation including MOD-97 checksum, use a dedicated IBAN library or the validator on this page.

How to Find Your Malta IBAN

Malta accounts are traditionally identified using: Bank Code (4a) + Branch Code (5n) + Account Number (18c). Your IBAN encodes these same components in the standardised international format.

1
Mobile banking app — Open your bank's app, navigate to account details or "Account Info." Your IBAN is usually displayed alongside your account number. Look for a field labelled "IBAN" or "International Account Number."
2
Bank statement — Your Malta IBAN appears in the account header of your printed or PDF bank statement, typically near the top of the first page.
3
Online banking — Log in to your bank's website and go to "Account Details," "Account Summary," or "Profile." Most Malta banks display the IBAN prominently in account settings.
4
Bank branch or helpline — Call your bank's customer service or visit a branch with your ID. They can provide your full IBAN instantly.

Once you have your IBAN, use the validator above to confirm it is correctly formatted before sharing it.

Sending Money to Malta

Malta is a SEPA member. From any other SEPA country, you only need the recipient's IBAN — no BIC/SWIFT required. Transfers settle within 1 business day (or instantly via SEPA Instant Credit Transfer). Fees cannot exceed what your bank charges for a domestic payment.

What to provide

Recipient's full name
IBAN (31 characters, starts with MT)

Typical transfer time

0–1 day

SEPA Credit Transfer (1 day) or SEPA Instant (<10 seconds if both banks support it)

Malta is a SEPA member using the Euro. IBAN alone is sufficient for SEPA transfers. Maltese IBANs are the longest in Europe at 31 characters due to the detailed account encoding.

Compare transfer services for Malta

Specialist services typically charge significantly less than high-street banks for international transfers.

Wise — Low fees, real exchange rate ↗ Revolut — Fast transfers ↗

Central Bank

Central Bank of Malta

https://www.centralbankmalta.org ↗

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Quick Facts

IBAN Length: 31 chars
Country Code: MT
Currency: EUR
SEPA: Yes
BBAN Format: 4a5n18c
IBAN Required: mandatory
Adopted: 2007