San Marino IBAN

Anatomy of the official example

SM86U0322509800000000270100

• Country code
• Check digits
• National check or other
• Bank code
• Branch code
• Account number

The example comes from the ISO 13616 registry; it belongs to nobody. Positions count from the first character of the IBAN.

Some of this country's bank codes are additionally named by a supervisor's list, which we serve one page each — but that list does not publish the allocation of the code space, so a code missing from it is not a code that was never issued.

What the API checks on a San Marino IBAN

• The length, the charset of every field and the mod-97 check digits.
• The bank code against our composite map assembled from BIC directories: a BIC and a bank name when they are listed, without the weight of a national register.
• The country's SEPA reachability and the open schemes (SCT, SDD, SCT Inst).
• The Verification of Payee duty that does, or does not, bind the country's providers.

What the API answers for this code

The block below is the route's own answer, produced by the same code that serves api.ibanforge.com, on the register as of the date shown. Nothing is edited.

{
  "valid": true,
  "country": {
    "code": "SM",
    "name": "San Marino"
  },
  "bic": null,
  "bank_code_check": {
    "value": "03225",
    "status": "not_in_register",
    "reason": "absent_from_reference_data",
    "match": null,
    "register": "IBANforge composite bank-code map (assembled from BIC directories, not a national bank-code register)",
    "authoritative": false,
    "as_of": "2026-09"
  },
  "sepa": {
    "member": true,
    "schemes": [
      "SCT",
      "SDD",
      "SCT_INST"
    ],
    "vop_required": false,
    "vop_participant": null,
    "basis": "country_default"
  },
  "issuer": null,
  "risk_indicators": {
    "country_risk": "standard",
    "sepa_reachable": true,
    "vop_coverage": false,
    "test_bic": false
  }
}