IBAN format · IS

Iceland IBAN format: 26 characters.

Iceland IBANs have 26 characters: the country code IS, two check digits and a 22-character BBAN, the national account number, laid out as 4!n2!n6!n10!n.

Iceland IBAN structure

IS140159260076545510730339

Country code: IS
Check digits: 14
Account: 0159260076545510730339

Parts of a Iceland IBAN and their positions
Positions	Part	In the example
1–2	Country code	IS
3–4	Check digits	14
5–26	Account	0159260076545510730339

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!n2!n6!n10!n reads:

The Iceland BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!n	4 digits	0159
9–10	2!n	2 digits	26
11–16	6!n	6 digits	007654
17–26	10!n	10 digits	5510730339

Iceland IBAN example

IS14 0159 2600 7654 5510 7303 39 is the sample the SWIFT IBAN Registry publishes for Iceland: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (IS140159260076545510730339); 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
0159260076545510730339IS14
Replace each letter with two digits (A = 10 … Z = 35)
I = 18, S = 28
0159260076545510730339182814
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 (IS00…), repeat steps 1–3: remainder 84. The check digits are 98 − 84 = 14.

SEPA

Iceland is in the Single Euro Payments Area, so SEPA credit transfers and direct debits can reach IS IBANs; whether a given bank takes part is up to that bank.

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 IS IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/IS140159260076545510730339'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "IS140159260076545510730339"
    }
  }
}

Response (JSON)

{
  "input": "IS140159260076545510730339",
  "iban": "IS140159260076545510730339",
  "print": "IS14 0159 2600 7654 5510 7303 39",
  "valid": true,
  "country": {
    "code": "IS",
    "name": "Iceland",
    "sepa": true,
    "sepaNote": null
  },
  "checkDigits": "14",
  "expectedCheckDigits": "14",
  "length": {
    "actual": 26,
    "expected": 26
  },
  "bban": "0159260076545510730339",
  "bbanFormat": "4!n2!n6!n10!n",
  "bankCode": null,
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "IS",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "14",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Account",
      "value": "0159260076545510730339",
      "start": 4,
      "end": 26,
      "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=IS&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 26-character IBANs

Türkiye5!n1!n16!c

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.