How long is a Saudi IBAN?

A Saudi IBAN is always exactly 24 characters: the country code SA, two IBAN check digits, a 2-digit bank code, and an 18-character account number. The account section may contain a mix of letters and digits.

What is the 2-digit bank code?

The first two digits of the Saudi BBAN identify the bank, assigned by the Saudi Central Bank (SAMA). For example 80 is the National Commercial Bank (now Saudi National Bank). The remaining 18 characters are the account number.

How does the MOD-97-10 checksum work?

The first four characters (SA plus the check digits) are moved to the end, every letter is converted to a two-digit number (S=28, A=10), 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.

Can the account number contain letters?

Yes. The 18-character account section of a Saudi IBAN is alphanumeric, so it may include uppercase letters as well as digits. The validator converts any letters to their numeric equivalents when running the MOD-97 checksum.

Saudi Arabia IBAN Validator

The Saudi Arabia IBAN Validator confirms that a Saudi bank account number in IBAN format is structurally correct. It verifies the SA country code, the 24-character length, the 2-digit bank code, the 18-character account, and the full ISO 7064 MOD-97-10 checksum — all without sending a single character to a server.

The Saudi Central Bank (SAMA) mandates IBANs for transfers through the SARIE settlement system and for cross-border SWIFT payments. A fast offline validator catches typos before they cause failed transfers in invoicing, payroll, and government FATOORAH e-invoicing flows.

How it works

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

SA — the country code for Saudi Arabia
kk — 2 IBAN check digits (ISO 7064 MOD-97-10)
bb — 2-digit bank code assigned by SAMA
18 characters — the account number (letters and/or digits)

Total: 24 characters.

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

Strip spaces and uppercase the string.
Move the first four characters (SA plus check digits) to the end.
Replace each letter with its 2-digit code: S = 28, A = 10, plus any letters in the account section.
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 SA03 8000 0000 6080 1016 7519:

Country code: SA — Saudi Arabia
Check digits: 03
Bank code: 80 (National Commercial Bank / Saudi National Bank)
Account: 000000608010167519

Moving SA03 to the end and expanding the letters produces a long numeric string that reduces to a MOD-97 remainder of 1, so the IBAN is structurally valid.

Field	Value	Meaning
Country	SA	Saudi Arabia
Check digits	03	MOD-97 checksum pair
Bank code	80	Saudi National Bank
Account	000000608010167519	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.