What is the Montenegro IBAN format?

Montenegro IBANs start with ME, followed by 2 check digits, then a 18-character BBAN encoding the bank code, branch code, and account number.

Is Montenegro in SEPA?

Montenegro is not a SEPA member. International transfer fees and timelines apply.

Montenegro IBAN Format

Q: How long is a Montenegro IBAN?

A Montenegro IBAN is 22 characters long.

22-character IBAN · EUR Euro

A Montenegro IBAN is 22 characters long and always begins with the country code ME, followed by two check digits. The next 3 characters are the Bank Code. The remaining 13 characters identify the individual account number. The Montenegro IBAN uses the EUR (Euro) and is not part of the SEPA zone, so international transfer fees and timelines apply.

Length

characters

Country Code

ISO 3166-1

Currency

EUR

Euro

SEPA

Non-SEPA

Example IBAN

ME25 5050 0001 2345 6789 51

ME Country

25 Check Digits

505 Bank Code

0000123456789 Account Number

51 National Check Digits

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	ME
3–4	2	Check Digits	n	25
5–7	3	Bank Code	n	505
8–20	13	Account Number	n	0000123456789
21–22	2	National Check Digits	n	51

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

Validate a Montenegro IBAN

Paste a Montenegro IBAN below to check it.

Montenegro IBAN Regex Pattern

^ME\d{2}\d{3}\d{13}\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(' ', '', $input));
if (!preg_match('/^ME\\d{2}\\d{3}\\d{13}\\d{2}$/', $iban)) {
    // Invalid Montenegro IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^ME\d{2}\d{3}\d{13}\d{2}$/;
if (!pattern.test(iban)) {
  // Invalid Montenegro IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^ME\d{2}\d{3}\d{13}\d{2}$'
if not re.fullmatch(pattern, iban):
    # Invalid Montenegro 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 Montenegro IBAN

Montenegro accounts are traditionally identified using: Bank Code (3n) + Account Number (13n) + Check Digits (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 Montenegro 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 Montenegro 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 Montenegro

Montenegro is not a SEPA member. Transfers require both an IBAN and a BIC/SWIFT code. Expect 2–5 business days and a SWIFT correspondent fee (typically $10–$40 USD via a traditional bank). Using a specialist service like Wise or Revolut can significantly reduce these fees.

What to provide

Recipient's full name
IBAN (22 characters, starts with ME)
BIC / SWIFT code
Recipient's bank address (some banks)

Typical transfer time

2–5 days

Via SWIFT network. Specialist services (Wise, Revolut) are often faster and cheaper than traditional bank wires.

Montenegro uses EUR but is not an EU or SEPA member. Always include BIC for international transfers. Montenegro adopted IBAN in 2007.

Compare transfer services for Montenegro

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 Montenegro

https://www.cbcg.me ↗

← Monaco Netherlands →

Quick Facts

IBAN Length: 22 chars
Country Code: ME
Currency: EUR
SEPA: No
BBAN Format: 18n
IBAN Required: mandatory
Adopted: 2007