IBAN format · CR

Costa Rica IBAN format: 22 characters.

Costa Rica IBANs have 22 characters: the country code CR, two check digits and an 18-character BBAN, the national account number, laid out as 4!n14!n.

Costa Rica IBAN structure

CR05015202001026284066

Country code: CR
Check digits: 05
Bank code: 0152
Account: 02001026284066

Parts of a Costa Rica IBAN and their positions
Positions	Part	In the example
1–2	Country code	CR
3–4	Check digits	05
5–8	Bank code	0152
9–22	Account	02001026284066

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. 4!n14!n reads:

The Costa Rica BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!n	4 digitsBank code	0152
9–22	14!n	14 digits	02001026284066

Costa Rica IBAN example

CR05 0152 0200 1026 2840 66 is the sample the SWIFT IBAN Registry publishes for Costa Rica: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (CR05015202001026284066); 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
015202001026284066CR05
Replace each letter with two digits (A = 10 … Z = 35)
C = 12, R = 27
015202001026284066122705
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 (CR00…), repeat steps 1–3: remainder 93. The check digits are 98 − 93 = 05.

SEPA

Costa Rica is not in the Single Euro Payments Area, so SEPA credit transfers and direct debits don’t reach CR 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 CR IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/CR05015202001026284066'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "CR05015202001026284066"
    }
  }
}

Response (JSON)

{
  "input": "CR05015202001026284066",
  "iban": "CR05015202001026284066",
  "print": "CR05 0152 0200 1026 2840 66",
  "valid": true,
  "country": {
    "code": "CR",
    "name": "Costa Rica",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "05",
  "expectedCheckDigits": "05",
  "length": {
    "actual": 22,
    "expected": 22
  },
  "bban": "015202001026284066",
  "bbanFormat": "4!n14!n",
  "bankCode": "0152",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "CR",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "05",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "0152",
      "start": 4,
      "end": 8,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "02001026284066",
      "start": 8,
      "end": 22,
      "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=CR&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 22-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.