IBAN format · IQ

Iraq IBAN format: 23 characters.

Iraq IBANs have 23 characters: the country code IQ, two check digits and a 19-character BBAN, the national account number, laid out as 4!a3!n12!n.

Iraq IBAN structure

IQ98NBIQ850123456789012

Country code: IQ
Check digits: 98
Bank code: NBIQ
Branch code: 850
Account: 123456789012

Parts of a Iraq IBAN and their positions
Positions	Part	In the example
1–2	Country code	IQ
3–4	Check digits	98
5–8	Bank code	NBIQ
9–11	Branch code	850
12–23	Account	123456789012

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!a3!n12!n reads:

The Iraq BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!a	4 upper-case lettersBank code	NBIQ
9–11	3!n	3 digitsBranch code	850
12–23	12!n	12 digits	123456789012

Iraq IBAN example

IQ98 NBIQ 8501 2345 6789 012 is the sample the SWIFT IBAN Registry publishes for Iraq: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (IQ98NBIQ850123456789012); 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
NBIQ850123456789012IQ98
Replace each letter with two digits (A = 10 … Z = 35)
N = 23, B = 11, I = 18, Q = 26
23111826850123456789012182698
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 (IQ00…), repeat steps 1–3: remainder 0. The check digits are 98 − 0 = 98.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/IQ98NBIQ850123456789012'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "IQ98NBIQ850123456789012"
    }
  }
}

Response (JSON)

{
  "input": "IQ98NBIQ850123456789012",
  "iban": "IQ98NBIQ850123456789012",
  "print": "IQ98 NBIQ 8501 2345 6789 012",
  "valid": true,
  "country": {
    "code": "IQ",
    "name": "Iraq",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "98",
  "expectedCheckDigits": "98",
  "length": {
    "actual": 23,
    "expected": 23
  },
  "bban": "NBIQ850123456789012",
  "bbanFormat": "4!a3!n12!n",
  "bankCode": "NBIQ",
  "branchCode": "850",
  "parts": [
    {
      "label": "Country code",
      "value": "IQ",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "98",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "NBIQ",
      "start": 4,
      "end": 8,
      "kind": "bank"
    },
    {
      "label": "Branch code",
      "value": "850",
      "start": 8,
      "end": 11,
      "kind": "branch"
    },
    {
      "label": "Account",
      "value": "123456789012",
      "start": 11,
      "end": 23,
      "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=IQ&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 23-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.