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When providing beneficiary account data during payment creation or during RFIs, OFIs may need to submit IBAN (International Bank Account Number) values that follow a specific format. You can validate these numbers by checking their structure, their country-specific length, and their country code against the bank country. An IBAN has 15 to 34 alphanumeric characters and follows the ISO 13616 standard. Its structure is:
  • First 2 characters: country code (uppercase letters, ISO 3166-1 alpha-2)
  • Next 2 characters: check digits (digits)
  • Remaining 11 to 30 characters: country-specific BBAN (Basic Bank Account Number), alphanumeric
IBANs are validated by their format, their country-specific length, and by matching their country code against BANK_COUNTRY.

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Country-specific length

Each IBAN-issuing country has a fixed length defined by the ISO 13616 registry. The following table lists the expected lengths:
Country codeCountryLength
ADAndorra24
AEUnited Arab Emirates23
ALAlbania28
ATAustria20
AZAzerbaijan28
BABosnia and Herzegovina20
BEBelgium16
BGBulgaria22
BHBahrain22
BIBurundi27
BRBrazil29
BYBelarus28
CHSwitzerland21
CRCosta Rica22
CYCyprus28
CZCzech Republic24
DEGermany22
DJDjibouti27
DKDenmark18
DODominican Republic28
EEEstonia20
EGEgypt29
ESSpain24
FIFinland18
FKFalkland Islands18
FOFaroe Islands18
FRFrance27
GBUnited Kingdom22
GEGeorgia22
GIGibraltar23
GLGreenland18
GRGreece27
GTGuatemala28
HNHonduras28
HRCroatia21
HUHungary28
IEIreland22
ILIsrael23
IQIraq23
ISIceland26
ITItaly27
JOJordan30
KWKuwait30
KZKazakhstan20
LBLebanon28
LCSaint Lucia32
LILiechtenstein21
LTLithuania20
LULuxembourg20
LVLatvia21
LYLibya25
MCMonaco27
MDMoldova24
MEMontenegro22
MKNorth Macedonia19
MNMongolia20
MRMauritania27
MTMalta31
MUMauritius30
NINicaragua28
NLNetherlands18
NONorway15
OMOman23
PKPakistan24
PLPoland28
PSPalestinian Territory29
PTPortugal25
QAQatar29
RORomania24
RSSerbia22
RURussia33
SASaudi Arabia24
SCSeychelles31
SDSudan18
SESweden24
SISlovenia19
SKSlovakia24
SMSan Marino27
SOSomalia23
STSão Tomé and Príncipe25
SVEl Salvador28
TLTimor-Leste23
TNTunisia24
TRTurkey26
UAUkraine29
VAVatican City22
VGBritish Virgin Islands24
XKKosovo20
YEYemen30
Some overseas territories use their parent country’s IBAN format:
Territory codeTerritoryParentLength
AXÅland IslandsFI18
BLSaint BarthélemyFR27
EACeuta and MelillaES24
GFFrench GuianaFR27
GGGuernseyGB22
GPGuadeloupeFR27
ICCanary IslandsES24
IMIsle of ManGB22
JEJerseyGB22
MFSaint Martin (French part)FR27
MQMartiniqueFR27
NCNew CaledoniaFR27
PFFrench PolynesiaFR27
PMSaint Pierre et MiquelonFR27
RERéunionFR27
SJSvalbard and Jan MayenNO15
TFFrench Southern TerritoriesFR27
WFWallis and Futuna IslandsFR27
YTMayotteFR27

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Cross-field validation with bank country

When both IBAN and BANK_COUNTRY are provided, the IBAN’s country code (first 2 characters) must match BANK_COUNTRY. Overseas territories resolve to their parent country before the check. For example, an IBAN starting with GG (Guernsey) is treated as GB.

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Example

The following is an example of validating the IBAN GB82WEST12345698765432: Structure
  • Country code: GB (United Kingdom)
  • Check digits: 82
  • BBAN: WEST12345698765432 (18 characters)
  • Total length: 22 (matches the fixed length for GB)
Cross-field check
  • IBAN country code: GB
  • BANK_COUNTRY: GB (matches)