San Marino IBAN generator
IBANs in San Marino have 27 characters and start with SM. The one below is random, follows the national structure and passes the MOD-97 check, so form validation accepts it. No bank issued it.
SM23J0328709800797962823495
- Country SM
- Check digits 23
- National check J
- Bank code 03287
- Branch code 09800
- Account number 797962823495
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.
Test data only. No bank issued this IBAN. 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.
Check an IBAN
Paste an IBAN from any country to check its length, format and check digits.
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Full IBAN validatorSan Marino IBAN format
Length, pattern and the position of each segment in SM IBANs, with a sample IBAN.
| IBAN length | 27 |
|---|---|
| BBAN length | 23 |
| BBAN pattern | 1a5n5n12n |
| Structure | SMkk x bbbbb sssss cccccccccccc |
| Example, electronic | SM86U0322509800000000270100 |
| Example, print | SM86 U032 2509 8000 0000 0270 100 |
| Letters in the BBAN | Position 5: always a letter |
| National check digits | Position 5 |
| Same structure as | Italy (IT) |
| SEPA | Member (EPC list, December 2025) |
| Source | SWIFT IBAN Registry, Release 102 (June 2026) |
Position by position
| Segment | Positions | Example |
|---|---|---|
| Country | 1–2 | SM |
| Check digits | 3–4 | 86 |
| National check | 5 | U |
| Bank code | 6–10 | 03225 |
| Branch code | 11–15 | 09800 |
| Account number | 16–27 | 000000270100 |
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, SM IBANs carry national check digits inside the BBAN, at position 5. They come from the domestic account number and follow a national rule.
This is the CIN, a check letter. Each of the other 22 characters of the BBAN gets a value from a table, one table for odd and one for even positions. The sum divided by 26 leaves a remainder from 0 to 25, which becomes a letter from A to Z.
This generator calculates them with the official algorithm, in both modes, so validators that check them accept the IBANs on this page.
Source: Banca Centrale della Repubblica di San Marino (ABI standard).
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 | Branch code |
|---|---|---|
| Banca Agricola Commerciale | 03034 |
09800 |
| Banca di San Marino | 08540 |
09803 |
| Banca Sammarinese di Investimento | 03287 |
09800 |
| Cassa di Risparmio della Repubblica di San Marino | 06067 |
09808 |
What to test with SM IBANs
- Accept exactly 27 characters for SM, after removing spaces, and reject 26 or 28.
- Letters are required at position 5. Test lowercase input too, and convert it to uppercase before you validate.
- For a negative test of the national check, change the character at position 5 and recalculate the IBAN check digits (the validator suggests them). The IBAN then passes MOD-97 but fails the national check.
- Same structure as Italy (IT). The country code is part of the MOD-97 calculation, so a valid SM IBAN with another country code in front must fail.
- Ready-made invalid values for negative tests: SM86U0322509800000000270101 (last character changed, MOD-97 fails) and SM86U032250980000000027010 (one character missing).
- Bank directory checks: by default the generator uses real bank codes such as 08540 (Banca di San Marino), and random ones with Realistic off, so you can test a known and an unknown bank.
About IBANs in San Marino
San Marino's IBANs use the Italian layout: 27 characters, starting with a CIN control letter, then a 5-digit ABI bank code, a 5-digit CAB branch code and a 12-character account number. San Marino is not in the European Union but is part of SEPA.
Questions about IBANs in San Marino
How long is an IBAN in San Marino?
27 characters: the country code SM, two check digits and a national part (BBAN) of 23 characters.
What does an IBAN from San Marino look like?
For example SM86 U032 2509 8000 0000 0270 100. That is the print format, in groups of four. Forms and files usually take it without spaces: SM86U0322509800000000270100.
Can San Marino IBANs contain letters?
Yes. SM IBANs always have uppercase letters at position 5: U in the registry example.
Where is the bank code in San Marino IBANs?
The bank code, at positions 6–10: 03225 in the registry example. The branch code is at positions 11–15 (09800). By default (realistic mode) the generator uses real bank codes, such as 03034 for Banca Agricola Commerciale.
Will a test IBAN for San Marino 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 San Marino 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.
Other countries
Pick a country to see its IBAN format and get a valid test IBAN. The number next to each code is the IBAN length.
Western Europe
- Andorra AD IBAN length: 24
- Austria AT IBAN length: 20
- Belgium BE IBAN length: 16
- France FR IBAN length: 27
- Germany DE IBAN length: 22
- Gibraltar GI IBAN length: 23
- Ireland IE IBAN length: 22
- Italy IT IBAN length: 27
- Liechtenstein LI IBAN length: 21
- Luxembourg LU IBAN length: 20
- Monaco MC IBAN length: 27
- Netherlands NL IBAN length: 18
- San Marino SM IBAN length: 27
- Spain ES IBAN length: 24
- Switzerland CH IBAN length: 21
- United Kingdom GB IBAN length: 22
- Vatican City VA IBAN length: 22
Northern Europe
Central and Southern Europe
- Albania AL IBAN length: 28
- Bosnia and Herzegovina BA IBAN length: 20
- Bulgaria BG IBAN length: 22
- Croatia HR IBAN length: 21
- Cyprus CY IBAN length: 28
- Czech Republic CZ IBAN length: 24
- Greece GR IBAN length: 27
- Hungary HU IBAN length: 28
- Kosovo XK IBAN length: 20
- Malta MT IBAN length: 31
- Montenegro ME IBAN length: 22
- North Macedonia MK IBAN length: 19
- Poland PL IBAN length: 28
- Portugal PT IBAN length: 25
- Romania RO IBAN length: 24
- Serbia RS IBAN length: 22
- Slovakia SK IBAN length: 24
- Slovenia SI IBAN length: 19
Eastern Europe and the Caucasus
Middle East
- Bahrain BH IBAN length: 22
- Iraq IQ IBAN length: 23
- Israel IL IBAN length: 23
- Jordan JO IBAN length: 30
- Kuwait KW IBAN length: 30
- Lebanon LB IBAN length: 28
- Oman OM IBAN length: 23
- Palestine PS IBAN length: 29
- Qatar QA IBAN length: 29
- Saudi Arabia SA IBAN length: 24
- Turkey TR IBAN length: 26
- United Arab Emirates AE IBAN length: 23
- Yemen YE IBAN length: 30
Africa
- Algeria DZ IBAN length: 26
- Burundi BI IBAN length: 27
- Djibouti DJ IBAN length: 27
- Egypt EG IBAN length: 29
- Libya LY IBAN length: 25
- Mauritania MR IBAN length: 27
- Mauritius MU IBAN length: 30
- Morocco MA IBAN length: 28
- Sao Tome and Principe ST IBAN length: 25
- Seychelles SC IBAN length: 31
- Somalia SO IBAN length: 23
- Sudan SD IBAN length: 18
- Tunisia TN IBAN length: 24
Asia
Americas
- Brazil BR IBAN length: 29
- British Virgin Islands VG IBAN length: 24
- Costa Rica CR IBAN length: 22
- Dominican Republic DO IBAN length: 28
- El Salvador SV IBAN length: 28
- Falkland Islands (Malvinas) FK IBAN length: 18
- Guatemala GT IBAN length: 28
- Honduras HN IBAN length: 28
- Nicaragua NI IBAN length: 28
- Saint Lucia LC IBAN length: 32
No country matches your search.
Learn about IBANs
IBANpedia explains the IBAN in plain language, from its history to the differences between countries.
- National check digits in the IBAN The check digits many countries keep inside the account number, from the French clé RIB to the Italian CIN, and how they differ from the IBAN ones.
- IBAN and SEPA How the Single Euro Payments Area made the IBAN the only number you need for a euro transfer.
- Test IBANs for developers and QA What validators actually check, the mistakes that break IBAN handling, and how to get test IBANs into your pipeline.
- How IBAN check digits work The MOD-97 method step by step, with a worked example you can follow on paper and a few lines of code.