Pakistan IBAN Number Check & Validator 2026پاکستان انٹرنیشنل بینک اکاؤنٹ نمبر (IBAN) کی تصدیق اور چیک سم ویلیڈیشن
Validate any 24-character Pakistan IBAN in real-time. Verify compliance with the ISO 13616 international standard, calculate the mathematical MOD-97 checksum, inspect 4-letter bank identifier codes, and generate clean formatted IBANs for wire transfers.
How to Check or Verify: What is an IBAN and How Does Pakistan's 24-Character Format Work?
An IBAN (International Bank Account Number) is an internationally standardized bank account identifier. In Pakistan, every IBAN consists of exactly 24 characters: the country code 'PK', 2 check digits (calculated via MOD-97 algorithm), a 4-letter bank code (e.g., SCBL, MEZN, HABB), and the 16-digit domestic account number.
Anatomy of a 24-Character Pakistani IBAN
Under State Bank of Pakistan regulations, all commercial, Islamic, and microfinance banks adhere to the ISO 13616 format. Here is how each segment of the 24-character string functions:
Country Code (PK)
Identifies Pakistan per ISO 3166-1 alpha-2 standards for automated global routing.
Check Digits (02–98)
Two mathematical checksum digits generated by the MOD-97 algorithm to prevent typing errors.
Bank Code (4 Letters)
Unique 4-letter mnemonic assigned to each Pakistani bank (e.g., MEZN, HABB, UNIL).
BBAN (16 Digits)
Basic Bank Account Number padded with leading zeros, containing branch code and account ledger number.
Where to Find Your Bank IBAN in Pakistan
Log in to your bank's mobile app (HBL Mobile, Meezan Mobile, Alfa, etc.), tap your account card, and look for "Account Details / IBAN" to copy it instantly.
Your 24-character IBAN is pre-printed along the left margin or above your account title on every page of your physical chequebook.
Download your monthly e-statement PDF from Internet banking; the full IBAN is prominently displayed in the top account header.
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Visual Breakdown of Pakistan's 24-Character IBAN
Every Pakistani IBAN follows the exact 24-character standard mandated by the State Bank of Pakistan.
Country Identifier
Fixed 2-letter ISO 3166-1 alpha-2 code denoting Pakistan.
MOD-97 Checksum
Calculated mathematical check digits to detect mistyping.
Bank Routing Code
Unique 4-letter clearing code (e.g. HABB, MEZN, SCBL, UNIL).
Account / BBAN
16 alphanumeric digits for branch code and account number.
Step-by-Step IBAN Validation & Remittance Transfer Process
4-stage verified sequence for cross-border wires, Payoneer, Wise, and 1Link STP routing
Extract 24-Character IBAN
Copy the full 24-character code from your mobile banking app, cheque leaf, or official bank statement.
ISO 13616 MOD-97 Checksum
Letters are converted to ASCII numerals and evaluated under Modulo 97 (remainder must equal 1 for valid format).
SBP 4-Letter Bank Match
System cross-references positions 5–8 against the State Bank of Pakistan's official scheduled bank registry.
Direct Remittance & Payout
Provide verified IBAN on Upwork, Payoneer, Wise, or foreign SWIFT wires for instant Straight-Through Processing (STP).
Frequently Asked Questions (IBAN Format & Transfers)
Essential guidelines on 24-character structure, checksum validity, locating your IBAN, and foreign payouts
A Pakistan IBAN consists of exactly 24 alphanumeric characters: (1) Country Code 'PK' (positions 1-2), (2) 2-digit MOD-97 security check digits (positions 3-4), (3) 4-letter Bank Identifier Code such as SCBL, MEZN, or HABB (positions 5-8), and (4) 16-digit Basic Bank Account Number / BBAN representing the domestic branch and account digits (positions 9-24).
Official Standards Cited:
State Bank of Pakistan (SBP) IBAN Regulations & Guidelines: https://www.sbp.org.pk/ISO 13616 Financial Services — International Bank Account Number (IBAN): https://www.iso.org/1Link Pakistan Interbank Clearing & Settlement Network: https://1link.net.pk/