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IBAN format of San Marino: 27 characters, starts with SM

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

Made-up example (not a real account)

SM24 X123 4567 8901 2345 6789 012

  • SMCountry
  • 24Check digits
  • XNational check digits
  • 12345Bank code
  • 67890Branch code
  • 123456789012Account number
Length
27 characters
Starts with
SM
After the check digits
1 capital letter, then 5 digits, then 5 digits, then 12 letters or digits
Single Euro Payments Area (SEPA)
Yes
Layout code in the registry
SM2!n1!a5!n5!n12!c

Part by part

PositionPartMade ofIn the example
1 to 2Country code2 capital letters: SMSM
3 to 4IBAN check digits2 digits24
5National check digits1 capital letterX
6 to 10Bank code5 digits12345
11 to 15Branch code5 digits67890
16 to 27Account number12 letters or digits123456789012

The parts with a name here are: National check digits, 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 SM2!n1!a5!n5!n12!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 San Marino

  1. Count the characters without spaces. There must be exactly 27.
  2. The first two must be SM, and the next two must be digits.
  3. After those four, the rest must follow the layout: 1 capital letter, then 5 digits, then 5 digits, then 12 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 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, Monaco, each with its own layout. It mixes letters and digits after the check digits.

Common questions

How many characters does an IBAN of San Marino have?

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

What does an IBAN of San Marino start with?

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

Is San Marino in SEPA?

Yes. San Marino 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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