IBAN format · SA

Saudi Arabia IBAN format: 24 characters.

Saudi Arabia IBANs have 24 characters: the country code SA, two check digits and a 20-character BBAN, the national account number, laid out as 2!n18!c.

Saudi Arabia IBAN structure

SA0380000000608010167519

Country code: SA
Check digits: 03
Bank code: 80
Account: 000000608010167519

Parts of a Saudi Arabia IBAN and their positions
Positions	Part	In the example
1–2	Country code	SA
3–4	Check digits	03
5–6	Bank code	80
7–24	Account	000000608010167519

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. 2!n18!c reads:

The Saudi Arabia BBAN format, segment by segment
Positions	Notation	Holds	Example
5–6	2!n	2 digitsBank code	80
7–24	18!c	18 letters or digits	000000608010167519

Saudi Arabia IBAN example

SA03 8000 0000 6080 1016 7519 is the sample the SWIFT IBAN Registry publishes for Saudi Arabia: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (SA0380000000608010167519); 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
80000000608010167519SA03
Replace each letter with two digits (A = 10 … Z = 35)
S = 28, A = 10
80000000608010167519281003
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 (SA00…), repeat steps 1–3: remainder 95. The check digits are 98 − 95 = 03.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/SA0380000000608010167519'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "SA0380000000608010167519"
    }
  }
}

Response (JSON)

{
  "input": "SA0380000000608010167519",
  "iban": "SA0380000000608010167519",
  "print": "SA03 8000 0000 6080 1016 7519",
  "valid": true,
  "country": {
    "code": "SA",
    "name": "Saudi Arabia",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "03",
  "expectedCheckDigits": "03",
  "length": {
    "actual": 24,
    "expected": 24
  },
  "bban": "80000000608010167519",
  "bbanFormat": "2!n18!c",
  "bankCode": "80",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "SA",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "03",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "80",
      "start": 4,
      "end": 6,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "000000608010167519",
      "start": 6,
      "end": 24,
      "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=SA&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 24-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.