ShareYourGroupShareYourGroupIBAN

IBAN format of Monaco: 27 characters, starts with MC

An IBAN of Monaco is 27 characters long and begins with MC. Here is what each part means, a made-up example, and how to check one.

Made-up example (not a real account)

MC30 1234 5678 9012 3456 7890 123

  • MCCountry
  • 30Check digits
  • 12345Bank code
  • 67890Branch code
  • 12345678901Account number
  • 23National check digits
Length
27 characters
Starts with
MC
After the check digits
5 digits, then 5 digits, then 11 letters or digits, then 2 digits
Single Euro Payments Area (SEPA)
Yes
Layout code in the registry
MC2!n5!n5!n11!c2!n

Part by part

PositionPartMade ofIn the example
1 to 2Country code2 capital letters: MCMC
3 to 4IBAN check digits2 digits30
5 to 9Bank code5 digits12345
10 to 14Branch code5 digits67890
15 to 25Account number11 letters or digits12345678901
26 to 27National check digits2 digits23

The parts with a name here are: Bank code, branch code, account number, national check digits. The bank decides the bank code and the account number; you never have to work them out yourself. The layout code MC2!n5!n5!n11!c2!n 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 Monaco

  1. Count the characters without spaces. There must be exactly 27.
  2. The first two must be MC, and the next two must be digits.
  3. After those four, the rest must follow the layout: 5 digits, then 5 digits, then 11 letters or digits, then 2 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 27 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 Burundi, Djibouti, France, Greece, Italy, Mauritania, San Marino, each with its own layout. It mixes letters and digits after the check digits.

Common questions

How many characters does an IBAN of Monaco have?

An IBAN of Monaco always has 27 characters: the letters MC, two check digits and 23 more characters for the bank and the account.

What does an IBAN of Monaco start with?

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

Is Monaco in SEPA?

Yes. Monaco 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.

Check an IBAN All countries