IBAN format · SC

Seychelles IBAN format: 31 characters.

Seychelles IBANs have 31 characters: the country code SC, two check digits and a 27-character BBAN, the national account number, laid out as 4!a2!n2!n16!n3!a.

Seychelles IBAN structure

SC18SSCB11010000000000001497USD

Country code: SC
Check digits: 18
Bank code: SSCB11
Account: 010000000000001497
Currency code: USD

Parts of a Seychelles IBAN and their positions
Positions	Part	In the example
1–2	Country code	SC
3–4	Check digits	18
5–10	Bank code	SSCB11
11–28	Account	010000000000001497
29–31	Currency code	USD

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!a2!n2!n16!n3!a reads:

The Seychelles BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!a	4 upper-case lettersBank code	SSCB
9–10	2!n	2 digitsBank code	11
11–12	2!n	2 digits	01
13–28	16!n	16 digits	0000000000001497
29–31	3!a	3 upper-case letters	USD

Seychelles IBAN example

SC18 SSCB 1101 0000 0000 0000 1497 USD is the sample the SWIFT IBAN Registry publishes for Seychelles: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (SC18SSCB11010000000000001497USD); 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
SSCB11010000000000001497USDSC18
Replace each letter with two digits (A = 10 … Z = 35)
S = 28, C = 12, B = 11, U = 30, D = 13
2828121111010000000000001497302813281218
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 (SC00…), repeat steps 1–3: remainder 80. The check digits are 98 − 80 = 18.

SEPA

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

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/SC18SSCB11010000000000001497USD'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "SC18SSCB11010000000000001497USD"
    }
  }
}

Response (JSON)

{
  "input": "SC18SSCB11010000000000001497USD",
  "iban": "SC18SSCB11010000000000001497USD",
  "print": "SC18 SSCB 1101 0000 0000 0000 1497 USD",
  "valid": true,
  "country": {
    "code": "SC",
    "name": "Seychelles",
    "sepa": false,
    "sepaNote": null
  },
  "checkDigits": "18",
  "expectedCheckDigits": "18",
  "length": {
    "actual": 31,
    "expected": 31
  },
  "bban": "SSCB11010000000000001497USD",
  "bbanFormat": "4!a2!n2!n16!n3!a",
  "bankCode": "SSCB11",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "SC",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "18",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "SSCB11",
      "start": 4,
      "end": 10,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "010000000000001497",
      "start": 10,
      "end": 28,
      "kind": "account"
    },
    {
      "label": "Currency code",
      "value": "USD",
      "start": 28,
      "end": 31,
      "kind": "currency"
    }
  ],
  "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=SC&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 31-character IBANs

Malta4!a5!n18!cSEPA

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.