IBANPart by part
| Position | Part | Made of | In the example |
|---|---|---|---|
| 1 to 2 | Country code | 2 capital letters: ME | ME |
| 3 to 4 | IBAN check digits | 2 digits | 59 |
| 5 to 7 | Bank code | 3 digits | 123 |
| 8 to 20 | Account number | 13 digits | 4567890123456 |
| 21 to 22 | National check digits | 2 digits | 78 |
The parts with a name here are: Bank 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 ME2!n3!n13!n2!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 Montenegro
- Count the characters without spaces. There must be exactly 22.
- The first two must be ME, and the next two must be digits.
- After those four, the rest must follow the layout: 3 digits, then 13 digits, then 2 digits.
- 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 22 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 Bahrain, Bulgaria, Costa Rica, Georgia, Germany, Ireland, Serbia, United Kingdom, each with its own layout. After the country code it has digits only.
Common questions
How many characters does an IBAN of Montenegro have?
An IBAN of Montenegro always has 22 characters: the letters ME, two check digits and 18 more characters for the bank and the account.
What does an IBAN of Montenegro start with?
It starts with ME, the country code, followed by two check digits.
Is Montenegro in SEPA?
No. Montenegro uses IBAN but is not part of the Single Euro Payments Area.
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.