IBAN format · FO

Faroe Islands IBAN format: 18 characters.

Faroe Islands IBANs have 18 characters: the country code FO, two check digits and a 14-character BBAN, the national account number, laid out as 4!n9!n1!n.

Faroe Islands IBAN structure

FO6264600001631634

Country code: FO
Check digits: 62
Bank code: 6460
Account: 0001631634

Parts of a Faroe Islands IBAN and their positions
Positions	Part	In the example
1–2	Country code	FO
3–4	Check digits	62
5–8	Bank code	6460
9–18	Account	0001631634

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!n9!n1!n reads:

The Faroe Islands BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!n	4 digitsBank code	6460
9–17	9!n	9 digits	000163163
18	1!n	1 digit	4

Faroe Islands IBAN example

FO62 6460 0001 6316 34 is the sample the SWIFT IBAN Registry publishes for Faroe Islands: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (FO6264600001631634); 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
64600001631634FO62
Replace each letter with two digits (A = 10 … Z = 35)
F = 15, O = 24
64600001631634152462
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 (FO00…), repeat steps 1–3: remainder 36. The check digits are 98 − 36 = 62.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/FO6264600001631634'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "FO6264600001631634"
    }
  }
}

Response (JSON)

{
  "input": "FO6264600001631634",
  "iban": "FO6264600001631634",
  "print": "FO62 6460 0001 6316 34",
  "valid": true,
  "country": {
    "code": "FO",
    "name": "Faroe Islands",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "62",
  "expectedCheckDigits": "62",
  "length": {
    "actual": 18,
    "expected": 18
  },
  "bban": "64600001631634",
  "bbanFormat": "4!n9!n1!n",
  "bankCode": "6460",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "FO",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "62",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "6460",
      "start": 4,
      "end": 8,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "0001631634",
      "start": 8,
      "end": 18,
      "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=FO&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 18-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.