A Pakistani IBAN has 24 characters: PK, two check digits, the bank's four-letter code and a 16-digit account number. For most banks the 16 digits are simply your account number with zeros added in front. Some banks add a branch code or a fixed prefix, and the calculator applies each bank's rule.
Choose your bank, type the account number from your cheque book or app, and the IBAN appears with its check digits worked out. Use Check an IBAN to test one before you send money: it catches almost every typing mistake.
What each part of an IBAN means
Take PK36 SCBL 0000 0011 2345 6702, a sample Standard Chartered IBAN that passes the check:
| Part | Here | Meaning |
|---|---|---|
| Country code | PK | Pakistan |
| Check digits | 36 | Worked out from the rest by the ISO 13616 formula |
| Bank code | SCBL | First four letters of the bank's SWIFT code |
| Account part | 0000 0011 2345 6702 | 16 digits made from the account number |
The State Bank of Pakistan told banks in May 2012 to issue IBANs to all customers by December 2012, and IBANs have been in use for payments since June 2013. You can use an IBAN or an account number for transfers within Pakistan; for money from abroad, the sender's bank usually asks for the IBAN.
IBAN bank codes and account formats
How each bank's account number becomes the 16 digits. Each rule is tested against real IBANs printed next to their account numbers, and against the banks' own worked examples where they give one.
| Bank | Code | Account number | How the 16 digits are made |
|---|---|---|---|
| Meezan Bank | MEZN | 14 digits | Account number padded with zeros to 16 digits |
| HBL (Habib Bank Limited) | HABB | 14 digits | Account number padded with zeros to 16 digits |
| UBL (United Bank Limited) | UNIL | 12 or 9 digits | 0109000 + 9-digit account number; 0112 + 12-digit account number |
| MCB Bank | MUCB | 16 digits | Account number padded with zeros to 16 digits |
| Allied Bank (ABL) | ABPA | 16 digits | Account number padded with zeros to 16 digits |
| Bank Alfalah | ALFH | 14 digits | Branch code, then account number padded to 12 digits |
| Askari Bank | ASCM | 13 or 14 digits | Account number padded with zeros to 16 digits |
| Bank AL Habib | BAHL | 17 digits | First 16 of the 17 digits |
| Faysal Bank | FAYS | 14 or 16 digits | Account number padded with zeros to 16 digits |
| National Bank of Pakistan | NBPA | 10 digits | Branch code, then account number padded to 12 digits |
| BankIslami | BKIP | 13 or 15 digits | Account number padded with zeros to 16 digits |
| The Bank of Punjab | BPUN | 16 digits | Account number padded with zeros to 16 digits |
| Standard Chartered | SCBL | 11 digits | Account number padded with zeros to 16 digits |
| Dubai Islamic Bank | DUIB | 10 or 13 digits | Account number padded with zeros to 16 digits |
| Al Baraka Bank | AIIN | 13 or 17 digits | Account number padded with zeros to 16 digits |
| MCB Islamic Bank | MCIB | 16 digits | Account number padded with zeros to 16 digits |
| JS Bank | JSBL | 6 or 7 or 10 digits | Branch code, then account number padded to 12 digits |
| Soneri Bank | SONE | 15 or 11 digits | Branch code and account number, padded to 16 digits |
| The Bank of Khyber | KHYB | 14 digits | Branch code, then account number padded to 12 digits |
| First Women Bank | FWOM | 16 digits | Account number padded with zeros to 16 digits |
| Silkbank | SAUD | 13 or 14 digits | Account number padded with zeros to 16 digits |
| Telenor Microfinance Bank (easypaisa bank) | TMFB | 15 digits | Account number padded with zeros to 16 digits |
| Mobilink Microfinance Bank | WMBL | 9 digits | Account number padded with zeros to 16 digits |
| Habib Metropolitan Bank | MPBL | Varies | Not built by this tool; check only |
| Bank Makramah (formerly Summit Bank) | SUMB | Varies | Not built by this tool; check only |
| Sindh Bank | SIND | Varies | Not built by this tool; check only |
| Khushhali Microfinance Bank | KHBL | Varies | Not built by this tool; check only |
Where the rule says check only, the bank's IBAN is not a straight copy of the account number, so the tool checks an IBAN but does not build one. Take the IBAN from your statement or app, then test it here.
How the check digits are worked out
This is the ISO 13616 method every bank uses. Take the example loaded above: Meezan Bank, account 0101-0101234567.
- Build the 16-digit part. Meezan's 14 digits get two zeros in front: 0001010101234567.
- Put the bank code first and PK00 at the end: MEZN0001010101234567PK00.
- Turn each letter into two digits, A = 10 up to Z = 35. M = 22, E = 14, Z = 35, N = 23, P = 25, K = 20: 221435230001010101234567252000.
- Divide that number by 97 and keep the remainder: 93.
- Check digits = 98 minus 93 = 05.
The IBAN is PK05 MEZN 0001 0101 0123 4567. To check any IBAN, move the first four characters to the end, turn letters into numbers and divide by 97. A correct IBAN always leaves a remainder of 1.
How banks turn an account number into an IBAN
Every Pakistani IBAN ends in 16 digits, but banks fill them in different ways. These examples come from the calculator, using each bank's rule:
| Rule | Bank | Account number | IBAN |
|---|---|---|---|
| Zeros added in front | Meezan Bank | 0101-0101234567 | PK05 MEZN 0001 0101 0123 4567 |
| Branch code, 00, then 10 digits | Bank Alfalah | 0123-1004567890 | PK91 ALFH 0123 0010 0456 7890 |
| First 16 of 17 digits | Bank AL Habib | 1234-0081-001234-01-1 | PK54 BAHL 1234 0081 0012 3401 |
| Branch code typed separately | National Bank | 4001234567, branch 0123 | PK51 NBPA 0123 0040 0123 4567 |
| Fixed prefix 0112 | UBL | 0123-0456789-0 | PK12 UNIL 0112 0123 0456 7890 |
This is why a tool that only pads every account number with zeros gets UBL, Bank AL Habib and National Bank IBANs wrong. Bank AL Habib's last digit is a check digit of its own and is dropped from the IBAN. National Bank account numbers do not contain the branch code, so the calculator asks for it.
Where to find your account number
- Cheque book: most banks print the full account number, often with the branch code in front, on every leaf.
- Mobile app: account details show the account number and usually the IBAN as well.
- Statement: the State Bank told banks to notify every customer of their IBAN when IBANs were introduced in 2012, and the statement is the usual place to find it. Meezan Bank, for example, says it prints the IBAN on its six-monthly statements.
Common mistakes
- Leaving out the branch code. Meezan, HBL and Bank Alfalah IBANs include it. A 10-digit Meezan number gives a wrong IBAN; the calculator warns you when the length does not match the bank.
- Including the branch code where it does not belong. UBL and Allied Bank IBANs do not use the branch code printed in front of the account number.
- Choosing the wrong bank code. MCB Bank (MUCB) and MCB Islamic Bank (MCIB) are separate banks, as are Habib Bank (HABB) and Habib Metropolitan (MPBL).
- Copying an example IBAN. Samples on some bank websites are layouts only and fail the check. Never send money to a sample.
- Wallet accounts. JazzCash, Easypaisa, HBL Konnect and MCB Lite use your mobile number. Take the IBAN from the wallet app.
Always confirm your IBAN in your bank's app, on your statement or with the branch before you give it out. A single wrong digit usually fails the check, but a wrong account number with correct check digits would pass. Money sent to the wrong IBAN can be slow and hard to recover. This site is not linked to any bank.
IBAN questions
How do I find my IBAN number?
Look in your bank's mobile app under account details, on your bank statement, or on the cheque book or welcome letter. Banks were required to tell every customer their IBAN when IBANs were introduced in 2012. You can also generate it above from your account number, then match it with what the bank shows.
Is IBAN the same as account number?
No, but it contains it. The IBAN wraps your account number with PK, two check digits and the bank code, and pads it to 16 digits. For a Meezan account 0101-0101234567, the IBAN is PK05 MEZN 0001 0101 0123 4567. Either can be used for local transfers.
Why did my IBAN fail the check?
Most likely a digit was mistyped or two digits swapped, and the check digits no longer match. The checker shows what the check digits should be for the rest of the IBAN. If the rest came from your bank, fix the check digits; if you are not sure, ask the bank.
What is the bank code in an IBAN?
It is the first four letters of the bank's SWIFT code: MEZN for Meezan, HABB for HBL, UNIL for UBL, MUCB for MCB and ABPA for Allied Bank. The table above lists 27 banks.
Can I get a JazzCash or Easypaisa IBAN here?
Not from this calculator. Mobile wallets use your phone number as the account, and their IBANs follow the wallet provider's own format. Find the IBAN in the wallet app. You can still paste it into Check an IBAN to test the check digits.
How do I calculate my IBAN number?
Write PK, then 00 as a placeholder, your bank's four-letter code and the 16-digit account part your bank uses. Move PK00 to the end, turn letters into numbers (A = 10 up to Z = 35), divide by 97 and subtract the remainder from 98. That gives the two check digits. The calculator above does all of this and shows each step.
Does a valid IBAN prove the account exists?
No. The check only shows the IBAN is well formed. A real account number with correct check digits passes, but so would a made-up one. Before you send money, your banking app shows the account title; make sure it is the person you expect.
Last reviewed 9 October 2026. Results are estimates; official notices always take precedence.