IBAN format · LC

Saint Lucia IBAN format: 32 characters.

Saint Lucia IBANs have 32 characters: the country code LC, two check digits and a 28-character BBAN, the national account number, laid out as 4!a24!c.

Saint Lucia IBAN structure

LC55HEMM000100010012001200023015

Country code: LC
Check digits: 55
Bank code: HEMM
Account: 000100010012001200023015

Parts of a Saint Lucia IBAN and their positions
Positions	Part	In the example
1–2	Country code	LC
3–4	Check digits	55
5–8	Bank code	HEMM
9–32	Account	000100010012001200023015

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!a24!c reads:

The Saint Lucia BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!a	4 upper-case lettersBank code	HEMM
9–32	24!c	24 letters or digits	000100010012001200023015

Saint Lucia IBAN example

LC55 HEMM 0001 0001 0012 0012 0002 3015 is the sample the SWIFT IBAN Registry publishes for Saint Lucia: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (LC55HEMM000100010012001200023015); 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
HEMM000100010012001200023015LC55
Replace each letter with two digits (A = 10 … Z = 35)
H = 17, E = 14, M = 22, L = 21, C = 12
17142222000100010012001200023015211255
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 (LC00…), repeat steps 1–3: remainder 43. The check digits are 98 − 43 = 55.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/LC55HEMM000100010012001200023015'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "LC55HEMM000100010012001200023015"
    }
  }
}

Response (JSON)

{
  "input": "LC55HEMM000100010012001200023015",
  "iban": "LC55HEMM000100010012001200023015",
  "print": "LC55 HEMM 0001 0001 0012 0012 0002 3015",
  "valid": true,
  "country": {
    "code": "LC",
    "name": "Saint Lucia",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "55",
  "expectedCheckDigits": "55",
  "length": {
    "actual": 32,
    "expected": 32
  },
  "bban": "HEMM000100010012001200023015",
  "bbanFormat": "4!a24!c",
  "bankCode": "HEMM",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "LC",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "55",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "HEMM",
      "start": 4,
      "end": 8,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "000100010012001200023015",
      "start": 8,
      "end": 32,
      "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=LC&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 32-character IBANs

No other registry country uses 32 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.