IBAN format · JO

Jordan IBAN format: 30 characters.

Jordan IBANs have 30 characters: the country code JO, two check digits and a 26-character BBAN, the national account number, laid out as 4!a4!n18!c.

Jordan IBAN structure

JO94CBJO0010000000000131000302

Country code: JO
Check digits: 94
Bank code: CBJO
Branch code: 0010
Account: 000000000131000302

Parts of a Jordan IBAN and their positions
Positions	Part	In the example
1–2	Country code	JO
3–4	Check digits	94
5–8	Bank code	CBJO
9–12	Branch code	0010
13–30	Account	000000000131000302

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!a4!n18!c reads:

The Jordan BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!a	4 upper-case lettersBank code	CBJO
9–12	4!n	4 digitsBranch code	0010
13–30	18!c	18 letters or digits	000000000131000302

Jordan IBAN example

JO94 CBJO 0010 0000 0000 0131 0003 02 is the sample the SWIFT IBAN Registry publishes for Jordan: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (JO94CBJO0010000000000131000302); 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
CBJO0010000000000131000302JO94
Replace each letter with two digits (A = 10 … Z = 35)
C = 12, B = 11, J = 19, O = 24
121119240010000000000131000302192494
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 (JO00…), repeat steps 1–3: remainder 4. The check digits are 98 − 4 = 94.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/JO94CBJO0010000000000131000302'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "JO94CBJO0010000000000131000302"
    }
  }
}

Response (JSON)

{
  "input": "JO94CBJO0010000000000131000302",
  "iban": "JO94CBJO0010000000000131000302",
  "print": "JO94 CBJO 0010 0000 0000 0131 0003 02",
  "valid": true,
  "country": {
    "code": "JO",
    "name": "Jordan",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "94",
  "expectedCheckDigits": "94",
  "length": {
    "actual": 30,
    "expected": 30
  },
  "bban": "CBJO0010000000000131000302",
  "bbanFormat": "4!a4!n18!c",
  "bankCode": "CBJO",
  "branchCode": "0010",
  "parts": [
    {
      "label": "Country code",
      "value": "JO",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "94",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "CBJO",
      "start": 4,
      "end": 8,
      "kind": "bank"
    },
    {
      "label": "Branch code",
      "value": "0010",
      "start": 8,
      "end": 12,
      "kind": "branch"
    },
    {
      "label": "Account",
      "value": "000000000131000302",
      "start": 12,
      "end": 30,
      "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=JO&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 30-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.