Ernest Sturc, 65, who retired last January as director of the exchange and trade relations department of the International Monetary Fund, died Monday at Georgetown University Hospital after a heart attack. He lived in Washington.

As department director since 1965, he coordinated the fund's assistance to developing nations, monitored the effect of exchange and trade restrictions on the world economy and insured cooperation between the fund and other international financial institutions.

Mr. Sturc had been with the fund since its founding in 1946. He worked in the research department and later was deputy director of the European department.

He was born on his parents' farm in Czechoslovakia. He earned a doctor of laws degree from the Comenius University in Bratislava in 1938. He then came to this country and studied economics at the University of Chicago.

In 1942, Mr. Sturc joined the Czechoslovak Information Office in New York.He was a member of the Czechoslovak government in exile. He was secretary to the Czechoslovak delegation to the 1944 Bretton Woods Conference, which founded the Monetary Fund and the World Bank, and was a delegate to the 1945 San Francisco Conference which established the United Nations. He became a U.S. citizen in 1948.

He is survived by his wife, Hilda, of Washington; a daughter, Marta Miller of New York City; a son, John, of Washington; and one grandchild.

The family suggests that expressions of sympathy be in the form of contributions to the American Heart Association, or to the American Fund for Czechoslovak Refugees, 1790 Broadway, New York, N.Y., 10019.