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IBAN format of North Macedonia: 19 characters, starts with MK

An IBAN of North Macedonia is 19 characters long and begins with MK. Here is what each part means, a made-up example, and how to check one.

Made-up example (not a real account)

MK98 1234 5678 9012 345

  • MKCountry
  • 98Check digits
  • 123Bank code
  • 4567890123Account number
  • 45National check digits
Length
19 characters
Starts with
MK
After the check digits
3 digits, then 10 letters or digits, then 2 digits
Single Euro Payments Area (SEPA)
No
Layout code in the registry
MK2!n3!n10!c2!n

Part by part

PositionPartMade ofIn the example
1 to 2Country code2 capital letters: MKMK
3 to 4IBAN check digits2 digits98
5 to 7Bank code3 digits123
8 to 17Account number10 letters or digits4567890123
18 to 19National check digits2 digits45

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 MK2!n3!n10!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 North Macedonia

  1. Count the characters without spaces. There must be exactly 19.
  2. The first two must be MK, and the next two must be digits.
  3. After those four, the rest must follow the layout: 3 digits, then 10 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 19 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 Slovenia, each with its own layout. It mixes letters and digits after the check digits.

Common questions

How many characters does an IBAN of North Macedonia have?

An IBAN of North Macedonia always has 19 characters: the letters MK, two check digits and 15 more characters for the bank and the account.

What does an IBAN of North Macedonia start with?

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

Is North Macedonia in SEPA?

No. North Macedonia 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.

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