Montenegro IBAN: format, length and checker
A Montenegro IBAN starts with ME and has 22 characters. Montenegro is not part of SEPA.
Runs in your browser: nothing is sent to us. Checks length and the ISO 7064 mod-97 checksum.
Structure
| Country code | ME (2 letters) |
| Check digits | 2 digits (mod-97) |
| National account number (BBAN) | 18 characters |
| Total length | 22 |
| SEPA | no |
Check IBANs automatically
The IBAN check API validates IBANs for invoicing, payout and onboarding flows (0.001 USDC per call), and names the bank for Dutch IBANs. Pair it with the company check and sanctions screening.
Questions
How many characters does a Montenegro IBAN have?
22 characters: the country code ME, two check digits, and a 18-character national account number (BBAN).
Is Montenegro in SEPA?
No, Montenegro is not in SEPA; transfers use international payment rails.
Does a valid checksum mean the account exists?
No. The mod-97 checksum catches typos; it does not confirm the account or its holder. In the Netherlands, your bank's name check (Verificatie van Betalingsontvanger) matches the holder.