International Bank Account Number (IBAN)
The IBAN is a defined standard for bank account numbers that uniquely identify a customer's bank account held at a bank anywhere in the world. IBANs can only be generated by banks for their customers. Since January 2004, the local credit institutions and the Central Bank of Malta have shown the IBAN and SWIFT's Bank Identifier Code (BIC) on their clients' statements.
The Maltese IBAN is made up of 31 alphanumeric characters, as follows:
- the first two alphanumeric characters identify the country in which the account is held, in this case Malta (MT);
- the next two digits are the check digits, which validate the complete IBAN;
- the next four characters are the first part of the issuing bank's SWIFT identifier code (BIC);
- the next five digits are the issuing bank's local sort code;
- the remaining 18 characters are the domestic account number, with preceding zeroes whenever required.
Example of a Maltese IBAN:
| Country Code | Check Digits | SWIFT Code | Sort Code | Account Number |
| MT |
71 |
MALT |
01100 |
0012345MTLCAST001S |
The check digit is computed as explained in the 
EPC document.
The IBAN validator code helps banks and their customers check and validate IBANs. This electronic algorithm can be used freely by banks and can be incorporated in their systems to facilitate validation of IBANs. The Central Bank of Malta does not assume any liability, expressed or implied, in the use of this code.
The following table can be used for the derivation of BIC from IBAN:
| BIC Found in IBAN (4 Characters) | Full BIC (8+ Characters) | Financial Institution Name |
| ABNG |
ABNGMTMT |
Access Bank Malta Limited |
| AGRK |
AGRKMTMT |
AgriBank plc. |
| AKBK |
AKBKMTMT |
Akbank T.A.S. |
| APAH |
APAHMTMT |
Alpha FX Europe Limited |
| AEUP |
AUEPMTMM |
ALT21 Europe Limited |
| ALUN |
ALUNMTM2 |
Alunafi Ltd |
| ANFV |
ANFVMTMM |
Andaria Financial Services Ltd. |
| APSB |
APSBMTMT |
APS Bank Ltd. |
| BLLG |
BLLGMTMB |
Ballinger Group - Europe |
| BLLG |
BLLGMTMT |
Ballinger Markets Ltd |
| VALL |
VALLMTMT |
Bank of Valletta plc. |
| BNIF |
BNIFMTMT |
BNF Bank plc. |
| MALT |
MALTMTMT |
Central Bank of Malta |
| TGBP |
TGBPMTMT |
Convera Malta Financial Limited |
| FBHL |
FBHLMTMT |
Credit Europe Bank N.V. |
| CRXB |
CRXBMTMT |
Credorax Bank Ltd. |
| ECMB |
ECMBMTMT |
ECCM Bank plc. |
| EMON |
EMONMTM2 |
Emoney plc. |
| EMSY |
EMSYMTM1 |
EMP Systems Ltd. |
| FCMF |
FCMFMTMT |
FCM Bank Ltd. |
| FFSM |
FFSMMTM1 |
Fexserv Financial Services Ltd. |
| FIMB |
FIMBMTM3 |
Fimbank Plc. |
| PAUU |
PAUUMTM1 |
FINXP Ltd. |
| PYMX |
PYMXMTMTXXX |
Finance Incorporated Ltd. |
| PYMX |
PYMXMTMTMAL |
Finance Incorporated Ltd. |
| FNFI |
FNFIMTMM |
Finby Finance Limited |
| FIND |
FINDMTMT |
Finductive Ltd. |
| MMEB |
MMEBMTMT |
HSBC Bank Malta plc. |
| IIGB |
IIGBMTMT |
IIG Bank Ltd. |
| ICDR |
ICDRMTMT |
Insignia Cards Ltd. |
| IZOL |
IZOLMTMT |
Izola Bank Ltd. |
| LIKP |
LIKPMTM2 |
Living Sky Pay Limited |
| LBMA |
LBMAMTMT |
Lombard Bank Malta plc. |
| MBWM |
MBWMMTMT |
MeDirect Bank (Malta) plc. |
| MLLK |
MLLKMTM2 |
Mellifera Kartiera Limited |
| MLLK |
MLLKMTMT |
Mellifera Kartiera Limited |
| MFCB |
MFCBMTMS |
Merkanti Bank Limited |
| CCUH |
CCUHMTMT |
Moneybase Ltd. |
| CCUH |
CCUHMTMTMBB |
Moneybase Ltd. |
| MBLI |
MBLIMTM2 |
Money Blink Ltd. |
| MCPI |
MCPIMTM1 |
MoneyPlus Card Payment Institution Ltd. |
| MTCC |
MTCCMTMT |
MTACC Ltd. |
| FEMA |
FEMAMTMT |
Multitude Bank p.l.c. |
| FEMA |
FEMAMTMA |
Multitude Bank p.l.c. |
| FNNB |
FNNBMTMT |
NBG Bank Malta Ltd. |
| VOCB |
VOCBMTMT |
Novum Bank Ltd. |
| CFTE |
CFTEMTM1 |
OpenPayd Financial Services Malta Ltd. |
| OFSM |
OFSMMTMT |
OpenPayd Financial Services Malta Ltd. |
| PAPY |
PAPYMTMT |
Papaya Ltd. |
| PELD |
PELDMTM2 |
Paydo EU Ltd. |
| PFFS |
PFFSMTMT |
PayFuture FS MT Ltd. |
| PHPY |
PHPYMTM1 |
Phoenix Payments Ltd. |
| PELE |
PELEMTM2 |
PH EMI Ltd Malta |
| SBMT |
SBMTMTMT |
Sparkasse Bank Malta plc. |
| SYPL |
SYPLMTM2XXX |
System Pay Services (Malta) Limited |
| TPML |
TPMLMTMT |
Transact Payments Malta Ltd. |
| TRPE |
TRPEMTM1 |
Truevo Payments Ltd. |
| TRPE |
TRPEMTMT |
Truevo Payments Ltd. |
| TRUM |
TRUMMTM2 |
Trumia Limited |
| TRUM |
TRUMMTM3 |
Trumia Limited |
| APAY |
APAYMTMT |
Trust Payments (Malta) Ltd. |
| TGBA |
TGBAMTMT |
Turkiye Garanti Bankasi AS |
| UNOG |
UNOGMTM1 |
UnionGoldenPay Ltd. |
| VPAY |
VPAYMTM2 |
Viva Payment Services S.A. |
| COPX |
COPXMTMT |
W and J Coppini and Co. |
| XAMA |
XAMAMTM2 |
XACE Malta Limited |
| YAPI |
YAPIMTMT |
Yapi Kredi Bank Malta Ltd. |