San Marino IBAN Format
San Marino IBANs are 27 characters and start with SM. Paste one below to check its length and MOD-97 checksum.
Enter an IBAN to check its country, length and MOD-97 checksum.
Note This checks that the IBAN is well-formed — correct country, correct length and a valid checksum. It cannot confirm that the account actually exists or belongs to a particular person. Always confirm payment details with the recipient.
How a San Marino IBAN is built
San MarinoIBAN & VAT reference
| Country code | SM |
|---|---|
| IBAN length | 27 characters |
| Example | SM86 U032 2509 8000 0000 0270 100 |
| SEPA member | Yes |
| VAT prefix | SM |
| VAT / tax number | COE code: 5 digits (San Marino economic operator code) |
How to check a San Marino IBAN
- 01 Paste the IBAN into the box above — spaces and lower-case are fine, they are normalised for you.
- 02 The checker confirms it starts with SM, is 27 characters, and passes the MOD-97 checksum.
- 03 A valid IBAN is shown formatted in groups of four; any failed check is called out so you know what to fix.
Frequently asked questions
What is the IBAN format for San Marino?
A San Marino IBAN is 27 characters long. It starts with the country code "SM", followed by 2 check digits and the BBAN — 1-letter check char + 5-digit abi + 5-digit cab + 12-char account. Example structure: SM86 U032 2509 8000 0000 0270 100 (a sample, not a real account).
How long is a San Marino IBAN?
Exactly 27 characters, including the "SM" country code and the 2 check digits. This length is fixed by the ISO 13616 registry and is the same for every San Marino bank.
What is the VAT number format for San Marino?
San Marino VAT numbers use the prefix "SM": COE code: 5 digits (San Marino economic operator code). The VAT number is separate from the IBAN — one identifies the business for tax, the other identifies the bank account.
Does this San Marino IBAN checker upload my data?
No. The validator checks the country code, the 27-character length and the MOD-97 checksum entirely in your browser. Nothing you paste is sent anywhere.