IBAN format · BA

Bosnia and Herzegovina IBAN format: 20 characters.

Bosnia and Herzegovina IBANs have 20 characters: the country code BA, two check digits and a 16-character BBAN, the national account number, laid out as 3!n3!n8!n2!n.

Bosnia and Herzegovina IBAN structure

BA391290079401028494

Country code: BA
Check digits: 39
Bank code: 129
Branch code: 007
Account: 9401028494

Parts of a Bosnia and Herzegovina IBAN and their positions
Positions	Part	In the example
1–2	Country code	BA
3–4	Check digits	39
5–7	Bank code	129
8–10	Branch code	007
11–20	Account	9401028494

The BBAN, segment by segment

The registry writes the BBAN in SWIFT notation: n is a digit, a an upper-case letter, c a letter or digit, and the ! means a fixed length. 3!n3!n8!n2!n reads:

The Bosnia and Herzegovina BBAN format, segment by segment
Positions	Notation	Holds	Example
5–7	3!n	3 digitsBank code	129
8–10	3!n	3 digitsBranch code	007
11–18	8!n	8 digits	94010284
19–20	2!n	2 digits	94

Bosnia and Herzegovina IBAN example

BA39 1290 0794 0102 8494 is the sample the SWIFT IBAN Registry publishes for Bosnia and Herzegovina: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (BA391290079401028494); on paper it is printed in groups of four.

Its check digits, worked through with ISO 7064 mod 97-10:

Move the country code and check digits to the end
1290079401028494BA39
Replace each letter with two digits (A = 10 … Z = 35)
B = 11, A = 10
1290079401028494111039
Divide that number by 97 and keep the remainder
Remainder 1. A valid IBAN always leaves 1, so the check digits are right.
Where the check digits come from
Put 00 in their place (BA00…), repeat steps 1–3: remainder 59. The check digits are 98 − 59 = 39.

SEPA

Bosnia and Herzegovina is not in the Single Euro Payments Area, so SEPA credit transfers and direct debits don’t reach BA IBANs.

What the format can and can’t tell you

Valid means the structure and check digits are right — not that the account exists or can receive payments.
National check digits inside the BBAN (e.g. the French RIB key, or the Spanish, Belgian and Italian CIN digits) are not verified.
Bank and branch codes are read from their positions; they are not looked up in a bank directory.

Check BA IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/BA391290079401028494'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "BA391290079401028494"
    }
  }
}

Response (JSON)

{
  "input": "BA391290079401028494",
  "iban": "BA391290079401028494",
  "print": "BA39 1290 0794 0102 8494",
  "valid": true,
  "country": {
    "code": "BA",
    "name": "Bosnia and Herzegovina",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "39",
  "expectedCheckDigits": "39",
  "length": {
    "actual": 20,
    "expected": 20
  },
  "bban": "1290079401028494",
  "bbanFormat": "3!n3!n8!n2!n",
  "bankCode": "129",
  "branchCode": "007",
  "parts": [
    {
      "label": "Country code",
      "value": "BA",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "39",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "129",
      "start": 4,
      "end": 7,
      "kind": "bank"
    },
    {
      "label": "Branch code",
      "value": "007",
      "start": 7,
      "end": 10,
      "kind": "branch"
    },
    {
      "label": "Account",
      "value": "9401028494",
      "start": 10,
      "end": 20,
      "kind": "account"
    }
  ],
  "checks": {
    "characters": true,
    "country": true,
    "length": true,
    "bbanFormat": true,
    "checksum": true
  },
  "errors": [],
  "notes": [
    "Valid means the structure and check digits are right — not that the account exists or can receive payments.",
    "National check digits inside the BBAN (e.g. the French RIB key, or the Spanish, Belgian and Italian CIN digits) are not verified."
  ]
}

The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.

From a national account number: GET /api/v1/iban/check-digits?country=BA&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 20-character IBANs

The same length doesn’t mean the same structure: compare the BBAN formats. All IBAN formats and lengths

Source: the SWIFT IBAN Registry (ISO 13616), transcribed and checked against each country’s registry example; the positions of bank and branch codes are given only where the registry’s are well established. The SWIFT IBAN Registry is the authority. Informational only.