Generate Random IBAN

Montenegrin IBAN generator

IBANs in Montenegro have 22 characters and start with ME. The one below is random, follows the national structure and passes the MOD-97 check, so form validation accepts it. No bank issued it.

Format

ME25530695837137132635

New IBAN
  1. Country ME
  2. Check digits 25
  3. Bank code 530
  4. Account number 6958371371326
  5. National check 35
Generate a list Up to 100 IBANs, as CSV, JSON, SQL or plain text

In CSV, JSON and SQL, every IBAN segment (bank, branch, account, check digits) gets its own column.

MOD-97 valid

Realistic mode: real bank code, random account number. No bank issued this IBAN, but it could match a real account by chance. Never use it for payments.

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Montenegrin IBAN format

Length, pattern and the position of each segment in ME IBANs, with a sample IBAN.

IBAN length 22
BBAN length 18
BBAN pattern 3n13n2n
Structure MEkk bbb ccccccccccccc xx
Example, electronic ME25505000012345678951
Example, print ME25 5050 0001 2345 6789 51
Letters in the BBAN None, digits only
National check digits Positions 21–22
IBAN check digits Always ME25
Same structure as Serbia (RS)
SEPA Member (EPC list, December 2025)
Source SWIFT IBAN Registry, Release 102 (June 2026)

Position by position

Segment Positions Length Example
Country 1–2 2 ME
Check digits 3–4 2 25
Bank code 5–7 3 505
Account number 8–20 13 0000123456789
National check 21–22 2 51

In the pattern, n stands for a digit, a for an uppercase letter and c for a letter or digit. The number before each letter is how many characters that block has.

National check digits

Besides the two IBAN check digits, ME IBANs carry national check digits inside the BBAN, at positions 21–22. They come from the domestic account number and follow a national rule.

They use ISO 7064 MOD 97-10, the same method as the IBAN check digits, applied to the digits in front of them: 98 minus the remainder of that number, times 100, divided by 97.

This generator calculates them with the official algorithm, in both modes, so validators that check them accept the IBANs on this page.

Because of this check, the whole BBAN always leaves the same remainder when divided by 97, so every valid ME IBAN has the same IBAN check digits: ME25.

Source: Centralna banka Crne Gore.

How national check digits work

Real bank codes in realistic mode

In realistic mode, the default, the generator takes the bank code from this list and keeps the account number random, so no bank issued these IBANs. With Realistic off, the bank code is random too.

Bank Bank code
Crnogorska komercijalna banka 510
Hipotekarna banka 520
NLB Banka 530
Prva banka Crne Gore 535
Erste Bank 540
Addiko Bank 555
Ziraat Bank Montenegro 575

What to test with ME IBANs

  • Accept exactly 22 characters for ME, after removing spaces, and reject 21 or 23.
  • Digits only after the check digits: a validator for ME should reject any letter there.
  • For a negative test of the national check, change the character at position 21 and recalculate the IBAN check digits (the validator suggests them). The IBAN then passes MOD-97 but fails the national check.
  • Same structure as Serbia (RS). The country code is part of the MOD-97 calculation, so a valid ME IBAN with another country code in front must fail.
  • Ready-made invalid values for negative tests: ME25505000012345678952 (last character changed, MOD-97 fails) and ME2550500001234567895 (one character missing).
  • Bank directory checks: by default the generator uses real bank codes such as 520 (Hipotekarna banka), and random ones with Realistic off, so you can test a known and an unknown bank.

About IBANs in Montenegro

Montenegrin IBANs have 22 characters and are numeric after the country code: a 3-digit bank code, a 13-digit account number and 2 national check digits. Because those digits use the same MOD 97 method as the IBAN, the Central Bank of Montenegro sets the IBAN check digits at 25 for every account. Montenegro uses the euro and was admitted to SEPA in November 2024.

Questions about IBANs in Montenegro

How long is an IBAN in Montenegro?

22 characters: the country code ME, two check digits and a national part (BBAN) of 18 characters.

What does an IBAN from Montenegro look like?

For example ME25 5050 0001 2345 6789 51. That is the print format, in groups of four. Forms and files usually take it without spaces: ME25505000012345678951.

Can Montenegrin IBANs contain letters?

No. After the check digits, ME IBANs contain only digits: the BBAN pattern is 3n13n2n.

Where is the bank code in Montenegrin IBANs?

The bank code, at positions 5–7: 505 in the registry example. By default (realistic mode) the generator uses real bank codes, such as 510 for Crnogorska komercijalna banka.

Will a test IBAN for Montenegro pass validation?

It passes the checks most forms run: country code, length, character format and MOD-97 check digits. The national check digits inside the BBAN are computed with the official algorithm, so a validator that also checks them accepts this IBAN. In realistic mode, the default, the bank code is real too, so a bank directory check accepts it. An account lookup or a payee name check will not confirm it, because the account number is random.

Can I use a generated Montenegrin IBAN to sign up for a service or receive money?

No. It is test data that no bank issued to you. Money sent to it is rejected or, if the number happens to belong to someone, reaches a stranger, and using it for a sign-up, a free trial or a direct debit is misuse. Your own IBAN is in your banking app and on your statements.

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