How long is a Romanian IBAN?

A Romanian IBAN is always exactly 24 characters: the country code RO, two IBAN check digits, a 4-letter bank code, and a 16-character account number. Unlike most IBANs, the bank code is alphabetic rather than numeric.

Why is the Romanian bank code letters instead of numbers?

Romania uses the first four letters of the bank's SWIFT/BIC code as the IBAN bank identifier — for example BTRL for Banca Transilvania or RNCB for BCR. The 16-character account section can also contain a mix of letters and digits.

How does the MOD-97-10 checksum work?

The first four characters (RO plus the check digits) are moved to the end, every letter is converted to a two-digit number (A=10 ... Z=35), and the resulting integer is reduced modulo 97. A structurally valid IBAN gives a remainder of exactly 1.

Does a valid result mean the account exists?

No. A pass means the IBAN is mathematically and structurally well-formed according to the SWIFT registry and ISO 13616. It cannot confirm the account is open, funded, or owned by a specific person — only the bank can do that.

Does Romania add a national check digit like some countries?

No. Romania relies solely on the standard IBAN MOD-97-10 checksum; there is no extra country-specific modulo check inside the BBAN. The 4-letter bank code and 24-character length are the main structural constraints.

Romania IBAN Validator

The Romania IBAN Validator confirms that a Romanian bank account number in IBAN format is structurally correct. It verifies the RO country code, the 24-character length, the 4-letter SWIFT bank code, the 16-character account, and the full ISO 7064 MOD-97-10 checksum — all without sending a single character to a server.

Romania joined SEPA and integrated with the ReGIS real-time gross settlement system, so a correctly formed IBAN is required for every domestic and cross-border euro transfer. A fast offline validator catches typos before they cause failed payments in invoicing, payroll, and checkout flows.

How it works

A Romanian IBAN follows a fixed structure from the SWIFT IBAN Registry:

RO — the country code for Romania
kk — 2 IBAN check digits (ISO 7064 MOD-97-10)
AAAA — 4-letter bank code, the institution’s SWIFT/BIC prefix
16 characters — the account number (letters and/or digits)

Total: 24 characters. The bank code being alphabetic is the distinctive Romanian trait — most other IBANs use a numeric sort code here.

The checksum follows ISO 13616 / ISO 7064 MOD-97-10:

Strip spaces and uppercase the string.
Move the first four characters (RO plus check digits) to the end.
Replace each letter with its 2-digit code: R = 27, O = 24, and so on for the bank code and any alphabetic account characters.
Reduce the resulting integer modulo 97, folding progressively to avoid overflow.
The IBAN is valid if and only if the remainder equals 1.

Worked example

Take RO49 AAAA 1B31 0075 9384 0000:

Country code: RO — Romania
Check digits: 49
Bank code: AAAA (the registry’s documentation example)
Account: 1B310075938400 00

Moving RO49 to the end and expanding every letter to digits produces a long numeric string. Reduced modulo 97, it leaves a remainder of 1, so the IBAN is structurally valid.

Field	Value	Meaning
Country	RO	Romania
Check digits	49	MOD-97 checksum pair
Bank code	AAAA	4-letter SWIFT prefix
Account	1B3100759384 0000	Account at that bank
Total length	24	Matches the SWIFT registry

Changing any single character in a valid IBAN almost always produces a remainder other than 1, which is why the checksum catches the vast majority of typos. Every character is processed locally — nothing is uploaded, logged, or transmitted.