SM · ISO 13616
San Marino IBAN — format, length, example & validator
IBANs issued in San Marino are 27 characters long and begin with the country code SM. Validate a San Marino IBAN below, or read on for the full structure, an example, and how the MOD 97 check digits work.
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How a San Marino IBAN is structured
A San Marino IBAN is read left to right: a 2-letter ISO 3166 country code (SM), 2 MOD 97 check digits, then a 23-character BBAN. The BBAN is split into 4 fields: 1 letter, 5 digits, 5 digits, 12 characters.
San Marino IBAN example
A sample San Marino IBAN that passes all checks (format, length, MOD 97):
How San Marino IBAN check digits work
The two digits at positions 3–4 are a MOD 97-10 checksum computed from the country code and the BBAN. To verify it, the IBAN is rearranged (BBAN first, country code and check digits last), letters are converted to numbers (A = 10, B = 11, …), and the whole integer is taken mod 97. A valid IBAN has a remainder of 1. This catches any single-digit typo and most transposition errors — which is why a one-character mistake is enough to make a San Marino IBAN fail validation instantly.
San Marino IBAN FAQ
- How long is a San Marino IBAN?
- A San Marino IBAN is always 27 characters long: 2 letters for the country code (SM), 2 check digits, and a 23-character BBAN. Any San Marino IBAN that is shorter or longer than 27 characters is invalid.
- What country code does a San Marino IBAN start with?
- A San Marino IBAN starts with the ISO 3166 country code SM. The first two characters are always SM, followed by two MOD 97 check digits, then the country-specific BBAN.
- How do I validate a San Marino IBAN?
- Paste the IBAN into the validator on this page — it checks the character set, the 27-character length, and the MOD 97 check digits, all in your browser. You can also open the full IBAN validator with a San Marino example pre-filled.
- Does a valid San Marino IBAN mean the account exists?
- No. Validation only confirms the IBAN is structurally well-formed and the check digits are correct per ISO 13616. It does not verify the account exists, is open, or belongs to anyone. Always confirm with the recipient or their bank before sending money.
⚠️ Validation only checks structure and check digits against ISO 13616. A valid San Marino IBAN does not guarantee the account exists or is open. Always confirm with the recipient or their bank before initiating a transfer.