IBAN format · IT

Italy IBAN format: 27 characters.

Italy IBANs have 27 characters: the country code IT, two check digits and a 23-character BBAN, the national account number, laid out as 1!a5!n5!n12!c.

Italy IBAN structure

IT60X0542811101000000123456

Country code: IT
Check digits: 60
CIN (national check): X
Bank code: 05428
Branch code: 11101
Account: 000000123456

Parts of a Italy IBAN and their positions
Positions	Part	In the example
1–2	Country code	IT
3–4	Check digits	60
5	CIN (national check)	X
6–10	Bank code	05428
11–15	Branch code	11101
16–27	Account	000000123456

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. 1!a5!n5!n12!c reads:

The Italy BBAN format, segment by segment
Positions	Notation	Holds	Example
5	1!a	1 upper-case letterCIN, a national check character	X
6–10	5!n	5 digitsBank code (ABI)	05428
11–15	5!n	5 digitsBranch code (CAB)	11101
16–27	12!c	12 letters or digitsAccount number	000000123456

Italy IBAN example

IT60 X054 2811 1010 0000 0123 456 is the sample the SWIFT IBAN Registry publishes for Italy: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (IT60X0542811101000000123456); 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
X0542811101000000123456IT60
Replace each letter with two digits (A = 10 … Z = 35)
X = 33, I = 18, T = 29
330542811101000000123456182960
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 (IT00…), repeat steps 1–3: remainder 38. The check digits are 98 − 38 = 60.

SEPA

Italy is in the Single Euro Payments Area, so SEPA credit transfers and direct debits can reach IT 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 IT IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/IT60X0542811101000000123456'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "IT60X0542811101000000123456"
    }
  }
}

Response (JSON)

{
  "input": "IT60X0542811101000000123456",
  "iban": "IT60X0542811101000000123456",
  "print": "IT60 X054 2811 1010 0000 0123 456",
  "valid": true,
  "country": {
    "code": "IT",
    "name": "Italy",
    "sepa": true,
    "sepaNote": null
  },
  "checkDigits": "60",
  "expectedCheckDigits": "60",
  "length": {
    "actual": 27,
    "expected": 27
  },
  "bban": "X0542811101000000123456",
  "bbanFormat": "1!a5!n5!n12!c",
  "bankCode": "05428",
  "branchCode": "11101",
  "parts": [
    {
      "label": "Country code",
      "value": "IT",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "60",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "CIN (national check)",
      "value": "X",
      "start": 4,
      "end": 5,
      "kind": "national-check"
    },
    {
      "label": "Bank code",
      "value": "05428",
      "start": 5,
      "end": 10,
      "kind": "bank"
    },
    {
      "label": "Branch code",
      "value": "11101",
      "start": 10,
      "end": 15,
      "kind": "branch"
    },
    {
      "label": "Account",
      "value": "000000123456",
      "start": 15,
      "end": 27,
      "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=IT&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 27-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.