How long is a Maltese IBAN?

A Maltese IBAN is exactly 31 characters: the country code MT, two check digits, a 4-letter bank code, a 5-digit sort code, and an 18-character account number. It is one of the longest IBANs in SEPA.

What is the sort code in a Maltese IBAN?

After the 4-letter bank code, Malta includes a 5-digit branch sort code identifying the specific branch. Both the bank code and sort code together pinpoint where the account is held.

How does the MOD-97 checksum work?

The first four characters (MT plus the check digits) move to the end, each letter becomes a two-digit number (A=10 to Z=35), and the result is divided by 97. The IBAN is valid only if the remainder is 1.

Does a pass mean the account is real?

No. It confirms the format and checksum only. It cannot confirm the account is open or who owns it; only the bank can do that.

Is my IBAN uploaded anywhere?

No. The tool runs entirely in your browser. Your IBAN is never transmitted, stored, or logged, so it is safe for confidential details.

Malta IBAN Validator

Maltese IBANs are among the longest in the SEPA zone at 31 characters, combining a 4-letter bank code with a 5-digit branch sort code before the account number. That extra structure means more places for a transposed digit to hide, so the ISO 7064 MOD-97-10 checksum is essential. This validator breaks the IBAN into its fields and verifies the checksum before you submit a SEPA payment.

Paste any IBAN starting with MT and the tool validates it locally in your browser.

How it works

A Maltese IBAN has five parts:

Country code — the fixed letters MT
Check digits — two digits from the MOD-97 algorithm
Bank code — four letters (for example VALL for Bank of Valletta)
Sort code — five digits identifying the branch
Account number — 18 alphanumeric characters

The checksum moves the first four characters to the end, expands each letter to its numeric value (A=10 through Z=35), and divides by 97. A valid IBAN leaves a remainder of exactly 1. The tool computes the modulus progressively so the long number never overflows.

Tips and notes

A length other than 31 fails immediately and is the most common error.
Both the 4-letter bank code and the 5-digit sort code must be correctly typed.
A valid checksum confirms format, not account existence. Use the iban-bic-lookup-tool to recover the BIC.