IBAN format · RU

Russia IBAN format: 33 characters.

Russia IBANs have 33 characters: the country code RU, two check digits and a 29-character BBAN, the national account number, laid out as 9!n5!n15!c.

Russia IBAN structure

RU0304452522540817810538091310419

Country code: RU
Check digits: 03
Bank code: 044525225
Branch code: 40817
Account: 810538091310419

Parts of a Russia IBAN and their positions
Positions	Part	In the example
1–2	Country code	RU
3–4	Check digits	03
5–13	Bank code	044525225
14–18	Branch code	40817
19–33	Account	810538091310419

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. 9!n5!n15!c reads:

The Russia BBAN format, segment by segment
Positions	Notation	Holds	Example
5–13	9!n	9 digitsBank code	044525225
14–18	5!n	5 digitsBranch code	40817
19–33	15!c	15 letters or digits	810538091310419

Russia IBAN example

RU03 0445 2522 5408 1781 0538 0913 1041 9 is the sample the SWIFT IBAN Registry publishes for Russia: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (RU0304452522540817810538091310419); 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
04452522540817810538091310419RU03
Replace each letter with two digits (A = 10 … Z = 35)
R = 27, U = 30
04452522540817810538091310419273003
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 (RU00…), repeat steps 1–3: remainder 95. The check digits are 98 − 95 = 03.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/RU0304452522540817810538091310419'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "RU0304452522540817810538091310419"
    }
  }
}

Response (JSON)

{
  "input": "RU0304452522540817810538091310419",
  "iban": "RU0304452522540817810538091310419",
  "print": "RU03 0445 2522 5408 1781 0538 0913 1041 9",
  "valid": true,
  "country": {
    "code": "RU",
    "name": "Russia",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "03",
  "expectedCheckDigits": "03",
  "length": {
    "actual": 33,
    "expected": 33
  },
  "bban": "04452522540817810538091310419",
  "bbanFormat": "9!n5!n15!c",
  "bankCode": "044525225",
  "branchCode": "40817",
  "parts": [
    {
      "label": "Country code",
      "value": "RU",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "03",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "044525225",
      "start": 4,
      "end": 13,
      "kind": "bank"
    },
    {
      "label": "Branch code",
      "value": "40817",
      "start": 13,
      "end": 18,
      "kind": "branch"
    },
    {
      "label": "Account",
      "value": "810538091310419",
      "start": 18,
      "end": 33,
      "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=RU&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 33-character IBANs

No other registry country uses 33 characters. See every IBAN length.

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.