What is the San Marino IBAN format?

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

Is San Marino in SEPA?

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

SM SEPA Member

San Marino IBAN Format

Q: How long is a San Marino IBAN?

A San Marino IBAN is 27 characters long.

27-character IBAN · EUR Euro · SEPA zone

A San Marino IBAN is 27 characters long and always begins with the country code SM, followed by two check digits. The next 5 characters are the Bank Code (ABI). This is followed by the Branch Code (CAB) (5 characters). The remaining 12 characters identify the individual account number. The San Marino 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

SM86 U032 2509 8000 0000 0270 100

SM Country

86 Check Digits

U Check Character

03225 Bank Code (ABI)

09800 Branch Code (CAB)

000000270100 Account Number

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	SM
3–4	2	Check Digits	n	86
5–5	1	Check Character	a	U
6–10	5	Bank Code (ABI)	n	03225
11–15	5	Branch Code (CAB)	n	09800
16–27	12	Account Number	c	000000270100

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

San Marino uses the Italian banking system format.

Validate a San Marino IBAN

Paste a San Marino IBAN below to check it.

San Marino IBAN Regex Pattern

^SM\d{2}[A-Z]{1}\d{5}\d{5}[A-Z0-9]{12}$

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(' ', '', $input));
if (!preg_match('/^SM\\d{2}[A-Z]{1}\\d{5}\\d{5}[A-Z0-9]{12}$/', $iban)) {
    // Invalid San Marino IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^SM\d{2}[A-Z]{1}\d{5}\d{5}[A-Z0-9]{12}$/;
if (!pattern.test(iban)) {
  // Invalid San Marino IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^SM\d{2}[A-Z]{1}\d{5}\d{5}[A-Z0-9]{12}$'
if not re.fullmatch(pattern, iban):
    # Invalid San Marino 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 San Marino IBAN

San Marino accounts are traditionally identified using: Check Character (1a) + Bank Code (5n) + Branch Code (5n) + Account Number (12c). 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 San Marino 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 San Marino 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 San Marino

San Marino 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 SM)

Typical transfer time

0–1 day

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

San Marino uses EUR and shares the Italian banking system. San Marino is a SEPA participant. IBAN alone is sufficient for SEPA euro transfers. The IBAN format mirrors Italy.

Compare transfer services for San Marino

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

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

Central Bank

Banca Centrale della Repubblica di San Marino

https://www.bcsm.sm ↗

← Saint Lucia Saudi Arabia →

Quick Facts

IBAN Length: 27 chars
Country Code: SM
Currency: EUR
SEPA: Yes
BBAN Format: 1a10n12c
IBAN Required: mandatory
Adopted: 2001