What is the Monaco IBAN format?

Monaco IBANs start with MC, followed by 2 check digits, then a 23-character BBAN encoding the bank code, branch code, and account number.

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

MC SEPA Member

Monaco IBAN Format

Q: How long is a Monaco IBAN?

A Monaco IBAN is 27 characters long.

27-character IBAN · EUR Euro · SEPA zone

A Monaco IBAN is 27 characters long and always begins with the country code MC, followed by two check digits. The next 5 characters are the Bank Code. This is followed by the Branch Code (Guichet) (5 characters). The remaining 11 characters identify the individual account number. The Monaco 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

MC58 1122 2000 0101 2345 6789 030

MC Country

58 Check Digits

11222 Bank Code

00001 Branch Code (Guichet)

01234567890 Account Number

30 National Check Digits

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	MC
3–4	2	Check Digits	n	58
5–9	5	Bank Code	n	11222
10–14	5	Branch Code (Guichet)	n	00001
15–25	11	Account Number	c	01234567890
26–27	2	National Check Digits	n	30

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

Monaco uses the French banking system.

Validate a Monaco IBAN

Paste a Monaco IBAN below to check it.

Monaco IBAN Regex Pattern

^MC\d{2}\d{5}\d{5}[A-Z0-9]{11}\d{2}$

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(' ', '', $input));
if (!preg_match('/^MC\\d{2}\\d{5}\\d{5}[A-Z0-9]{11}\\d{2}$/', $iban)) {
    // Invalid Monaco IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^MC\d{2}\d{5}\d{5}[A-Z0-9]{11}\d{2}$/;
if (!pattern.test(iban)) {
  // Invalid Monaco IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^MC\d{2}\d{5}\d{5}[A-Z0-9]{11}\d{2}$'
if not re.fullmatch(pattern, iban):
    # Invalid Monaco 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 Monaco IBAN

Monaco accounts are traditionally identified using: Bank Code / Code banque (5n) + Branch Code / Code guichet (5n) + Account Number (11c) + Check Key / Clé RIB (2n). 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 Monaco 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 Monaco 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 Monaco

Monaco 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 (27 characters, starts with MC)

Typical transfer time

0–1 day

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

Monaco uses EUR and shares the French banking system. Monaco is a SEPA participant. IBAN alone is sufficient for SEPA euro transfers. Monegasque IBAN format mirrors the French format.

Compare transfer services for Monaco

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

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

Central Bank

Banque de France (Monaco)

https://www.banque-france.fr ↗

← Moldova Montenegro →

Quick Facts

IBAN Length: 27 chars
Country Code: MC
Currency: EUR
SEPA: Yes
BBAN Format: 10n11c2n
IBAN Required: mandatory
Adopted: 2001