Monaco IBAN format
| Country code | MC |
|---|---|
| IBAN length | 27 characters (2 country letters, 2 check digits, 23-character BBAN) |
| Structure | MCkk bbbb bsss sscc cccc cccc ccck = check digits, b = bank code, s = branch/sort code, c = account number, x = national check digits or other |
| Registry BBAN format | 5!n5!n11!c2!n (e.g. 8!n = exactly 8 digits; a = letters; c = letters or digits) |
| Format example | MC30 1234 5678 9012 3456 7890 123Illustrative only: right structure and valid check digits, not a real account. |
| SEPA | Yes – Monaco is part of the SEPA area, so you can send euro SEPA credit transfers to these IBANs. |
What the parts mean
Monaco uses the same layout as France: code banque, code guichet, numéro de compte and clé RIB.
| Positions | Characters | Meaning |
|---|---|---|
| 5–9 | 5 digits | Bank code |
| 10–14 | 5 digits | Branch / sort code |
| 15–25 | 11 letters or digits | Account number |
| 26–27 | 2 digits | Account number (continued) |
Paying an IBAN in Monaco
For SEPA payments involving countries outside the EEA, banks normally require the BIC as well as the IBAN. Accounts are usually in euro.
Writing the IBAN in groups of four (MC30 1234 …) is the usual print format; online banking and payment files use it without spaces.
Paying many Monaco IBANs in euro? Create a SEPA XML file from Excel – every IBAN is checked as above.