Malta IBAN validator
How the IBAN format works
- Format
- MT + 2 check digits + 4-letter bank code + 5-digit branch code + 18-char account number (31 chars)
- Example
- MT84MALT011000012345MTLCAST001S
Things to watch for
- Longest IBAN in this set at 31 characters
^MT[0-9]{2}[A-Z]{4}[0-9]{5}[0-9A-Z]{18}$A Maltese IBAN is 31 characters — the longest format used by any country: “MT”, two check digits, a 4-letter bank code, a 5-digit branch code, and an 18-character account number that can mix digits and letters. Most European IBANs top out well under 30 characters; Malta’s extra length comes from combining a full branch-code segment with an unusually long alphanumeric account-number block, both inherited from how Maltese banks structured domestic account records before IBAN standardization. Anyone paying a Maltese supplier, settling an invoice with a business based in Malta, or entering an IBAN into a SEPA transfer form needs every one of those 31 characters in the right place — there’s no room to drop or guess at a segment this long.
How this validator works
This tool checks the “MT” prefix, confirms the bank-code block is 4 letters, the branch-code block is 5 digits, and the account-number block is 18 alphanumeric characters, then runs the real mod-97 checksum (ISO 7064) Maltese banks use to generate a valid IBAN — entirely in your browser, nothing sent to a server, no signup, result as you type.
What a pass doesn’t tell you
A pass confirms all 31 characters are correctly formed and internally consistent — not that the account exists, is open, or belongs to whoever you expect. This tool does no bank-name lookup and never contacts a bank or the Central Bank of Malta. If a Maltese IBAN fails, recheck the long account-number block character by character first: because it mixes letters and digits over 18 characters, it’s the segment most likely to hide a single mistyped character in a number this length.
Scope: Maltese IBAN structure and mod-97 checksum validation only — not payment processing, bank-name lookup, or confirming an account is active, none of which a client-side check can establish. Use this validator to catch a typo before a transfer fails; use your bank to confirm the account itself.
Content last reviewed 2026-07-07.
IBAN FAQ
Why is a Maltese IBAN the longest of all IBAN countries?
At 31 characters, Malta's IBAN carries the most information of any country in the standard: 'MT', two check digits, a 4-letter bank code, a 5-digit branch code, and an 18-character account number — the branch code and the long alphanumeric account-number block together push it past every other country's format.
Is the 18-character account-number block always digits, or can it contain letters?
It can contain both. Maltese account numbers are alphanumeric, which is part of why the block runs to 18 characters rather than being a shorter purely numeric field — this validator accepts uppercase letters and digits in that segment.
Does a longer IBAN mean more can go wrong when typing it?
There's simply more room for a transposed character to hide, yes — 31 characters is a lot to copy by hand. That's exactly what the mod-97 checksum is designed to catch: a single mistyped character anywhere in a Maltese IBAN will make it fail, regardless of which block the mistake is in.