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IBAN format of Malta: 31 characters, starts with MT

An IBAN of Malta is 31 characters long and begins with MT. Here is what each part means, a made-up example, and how to check one.

Made-up example (not a real account)

MT11 XXXX 1234 5678 9012 3456 7890 123

  • MTCountry
  • 11Check digits
  • XXXXBank code
  • 12345Branch code
  • 678901234567890123Account number
Length
31 characters
Starts with
MT
After the check digits
4 capital letters, then 5 digits, then 18 letters or digits
Single Euro Payments Area (SEPA)
Yes
Layout code in the registry
MT2!n4!a5!n18!c

Part by part

PositionPartMade ofIn the example
1 to 2Country code2 capital letters: MTMT
3 to 4IBAN check digits2 digits11
5 to 8Bank code4 capital lettersXXXX
9 to 13Branch code5 digits12345
14 to 31Account number18 letters or digits678901234567890123

The parts with a name here are: Bank code, branch code, account number. The bank decides the bank code and the account number; you never have to work them out yourself. The layout code MT2!n4!a5!n18!c is how the registry writes this: a number, then n for digits, a for capital letters or c for letters or digits.

How to check an IBAN of Malta

  1. Count the characters without spaces. There must be exactly 31.
  2. The first two must be MT, and the next two must be digits.
  3. After those four, the rest must follow the layout: 4 capital letters, then 5 digits, then 18 letters or digits.
  4. Run the check-digit test. The IBAN checker does all four steps for you and shows which one fails.

Writing it down

On paper, an IBAN is written in groups of four characters with spaces, as in the example above, so that it is easier to read and compare. In online banking and in files it is entered without spaces. Both forms are the same IBAN. Letters are always capitals.

How it compares

At 31 characters, it sits between the shortest IBAN in the registry (Norway, 15 characters) and the longest (Russia, 33 characters). The same length is used by Seychelles, each with its own layout. It mixes letters and digits after the check digits.

Common questions

How many characters does an IBAN of Malta have?

An IBAN of Malta always has 31 characters: the letters MT, two check digits and 27 more characters for the bank and the account.

What does an IBAN of Malta start with?

It starts with MT, the country code, followed by two check digits.

Is Malta in SEPA?

Yes. Malta is part of the Single Euro Payments Area, so euro transfers to and from it use the IBAN.

Layout checked in November 2026 against the SWIFT IBAN Registry data. The example is made up. For a payment, use only the IBAN given by the account holder or the bank, and check with the bank if in doubt.

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