SEPA coverage · 🇸🇲 SM
Convert San Marino IBANs to their BIC
Every San Marino IBAN is 27 characters long and starts with SM. The bank identifier embedded inside it is what resolves to a BIC/SWIFT code, the bank's name and address, and its SEPA reachability.
The San Marino IBAN format
Example of a valid San Marino IBAN:
SM86 U032 2509 8000 0000 0270 100
| Segment | Length | Example | Meaning |
|---|---|---|---|
| Country code | 2 | SM | Always SM |
| Check digits | 2 | 86 | ISO 7064 mod-97 checksum over the whole IBAN |
| Check character (CIN) | 1 | U | National check letter, as in the Italian system |
| Bank code (ABI) | 5 | 03225 | Numeric code identifying the Sammarinese bank |
| Branch code (CAB) | 5 | 09800 | Numeric code identifying the branch |
| Account number | 12 | 000000270100 | Alphanumeric account identifier |
San Marino uses the euro and mirrors the Italian IBAN structure exactly (CIN + ABI + CAB + account), differing only in the SM country code.
How to get the BIC from a San Marino IBAN
Validate the IBAN
Check the length (exactly 27 characters for SM) and the ISO 7064 mod-97 checksum. Both are local computations — no lookup needed yet.
Extract the bank identifier
The bank code (abi) (5 characters) inside the BBAN identifies the institution holding the account.
Resolve it to a BIC
Map the bank identifier to the institution's BIC via registry data — or send the IBAN to the API and get BIC, bank details and SEPA flags in one response.
Resolve it with one API call
Send the IBAN to POST /v1/convert and get back the BIC, bank details and the four SEPA reachability flags. Invalid and not-found lookups are always free.
curl https://api.iban2bic.com/v1/convert \
-H "Authorization: Bearer ibk_live_xxx" \
-H "Content-Type: application/json" \
-d '{ "iban": "SM86U0322509800000000270100" }'San Marino IBAN — frequently asked
Other SEPA countries
Keep reading
Resolve San Marino IBANs programmatically
BIC, bank details and SEPA reachability for any SM IBAN — €0.009 per successful call, failures always free.