IBAN format · SK

Slovakia IBAN format: 24 characters.

Slovakia IBANs have 24 characters: the country code SK, two check digits and a 20-character BBAN, the national account number, laid out as 4!n6!n10!n.

Slovakia IBAN structure

SK3112000000198742637541

Country code: SK
Check digits: 31
Bank code: 1200
Account: 0000198742637541

Parts of a Slovakia IBAN and their positions
Positions	Part	In the example
1–2	Country code	SK
3–4	Check digits	31
5–8	Bank code	1200
9–24	Account	0000198742637541

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!n6!n10!n reads:

The Slovakia BBAN format, segment by segment
Positions	Notation	Holds	Example
5–8	4!n	4 digitsBank code	1200
9–14	6!n	6 digitsAccount number prefix	000019
15–24	10!n	10 digitsAccount number	8742637541

Slovakia IBAN example

SK31 1200 0000 1987 4263 7541 is the sample the SWIFT IBAN Registry publishes for Slovakia: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (SK3112000000198742637541); 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
12000000198742637541SK31
Replace each letter with two digits (A = 10 … Z = 35)
S = 28, K = 20
12000000198742637541282031
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 (SK00…), repeat steps 1–3: remainder 67. The check digits are 98 − 67 = 31.

SEPA

Slovakia is in the Single Euro Payments Area, so SEPA credit transfers and direct debits can reach SK IBANs; whether a given bank takes part is up to that bank.

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 SK IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/SK3112000000198742637541'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "SK3112000000198742637541"
    }
  }
}

Response (JSON)

{
  "input": "SK3112000000198742637541",
  "iban": "SK3112000000198742637541",
  "print": "SK31 1200 0000 1987 4263 7541",
  "valid": true,
  "country": {
    "code": "SK",
    "name": "Slovakia",
    "sepa": true,
    "sepaNote": null
  },
  "checkDigits": "31",
  "expectedCheckDigits": "31",
  "length": {
    "actual": 24,
    "expected": 24
  },
  "bban": "12000000198742637541",
  "bbanFormat": "4!n6!n10!n",
  "bankCode": "1200",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "SK",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "31",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "1200",
      "start": 4,
      "end": 8,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "0000198742637541",
      "start": 8,
      "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=SK&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.