Montenegro IBAN Format & Generator

Complete reference for Montenegro IBANs: format structure, bank codes, account numbers, examples, and a free generator for testing.

IBAN Structure for Montenegro

Country (ME) Check digits Bank code (3 digits) Account (15 chars)

Bank
3 chars

Account number
15 chars

Montenegro IBAN Technical Specifications

Property	Value
IBAN Length	22 characters
BBAN Length	18 characters
BBAN Format	`3!n13!n2!n`
Bank Code	Position 5, 3 digits
Account Number	Position 8, 15 chars
SEPA Member	❌ No
Notes	Bank: 3 digits; Account: 13 digits; Check: 2 digits

Banking System in Montenegro

Montenegro uses the IBAN system for international bank transfers. The Montenegro IBAN is 22 characters long and consists of the ISO country code "ME", two MOD-97 check digits, and a Basic Bank Account Number (BBAN) containing the domestic bank code (3 digits), account number, and any branch/routing identifiers.

Example Montenegro IBANs

Here are 3 randomly generated but mathematically valid Montenegro IBANs for testing:

ME40 0344 0719 5229 0169 33
ME21 7295 0493 8806 3168 63
ME42 5082 7664 1096 2897 89

⚠ These are randomly generated test IBANs — not real bank accounts. Do not use for actual transactions.

Generate Montenegro IBANs for Testing

Generate valid Montenegro IBANs right here. All generation is client-side — no data leaves your browser.

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Frequently Asked Questions

What is the IBAN format for Montenegro?

Montenegro uses a 22-character IBAN with the country code "ME" followed by two check digits and a 18-character BBAN. The format is 3!n13!n2!n. The bank code occupies positions 5 to 7.

Is Montenegro a SEPA country?

No, Montenegro is not a SEPA member, but uses IBAN for international transfers.

How long is a Montenegro IBAN?

A Montenegro IBAN is exactly 22 characters long. The BBAN portion accounts for 18 characters.

How do I find my Montenegro IBAN?

Your IBAN is printed on your bank statement, available in your online banking portal, or can be obtained from your bank. It typically appears alongside your BIC/SWIFT code for international transfers.

Can I generate a valid Montenegro IBAN for testing?

Yes! Use the IBAN generator on this page or visit the IBAN Easy homepage to generate mathematically valid IBANs for any supported country. All generation is client-side and private.