An MCB Bank IBAN is PK, two check digits, MUCB and your 16-digit account number exactly as it is. MCB itself says the last 16 characters of the IBAN are the customer's existing account number.
Type the 16 digits above and the IBAN appears. For 0123456789012345 it is PK91 MUCB 0123 4567 8901 2345.
MCB account number and IBAN format
| Part | Example | Digits |
|---|---|---|
| Country | PK | 2 letters |
| Check digits | 91 | 2 |
| Bank code | MUCB | 4 letters |
| Account number | 0123456789012345 | 16 |
MCB's own IBAN page gives this example: account 0646609971000177 becomes PK24 MUCB 0646 6099 7100 0177. This calculator gives the same IBAN, and the same rule matches real MCB IBANs published with their account numbers by TCF and Shaukat Khanum Memorial Trust. Some statements print the 16 digits in groups, such as 01234 56 78 9012345; type them all, spaces are ignored.
Where to find your MCB IBAN
Your 16-digit account number is on your cheque book and statement, and in the MCB Live app with the IBAN under account details. MCB asks customers to give their IBAN to anyone sending them an international remittance or interbank transfer.
MCB Lite is a mobile wallet whose account number is an 11-digit mobile number, and MCB Islamic Bank is a separate bank with its own code, MCIB. Use the IBAN generator for all banks for MCB Islamic.
Worked example from MCB's own sample account
Account number 0123456789012345:
- 16-digit part: the account number itself, 0123456789012345.
- Rearranged: MUCB0123456789012345PK00.
- Letters to numbers (M = 22, U = 30, C = 12, B = 11, P = 25, K = 20): 223012110123456789012345252000.
- Remainder after dividing by 97: 7. Check digits: 98 minus 7 = 91.
IBAN: PK91 MUCB 0123 4567 8901 2345.
Testing an MCB IBAN for a typo
MCB's sample account gives PK24 MUCB 0646 6099 7100 0177. Swap the 0 and 1 near the end and you get PK24 MUCB 0646 6099 7100 1077. Paste that into Check an IBAN: the mod 97 remainder is 51, not the 1 a valid IBAN must leave, and the digits as typed would need check digits 71.
The rearranging is the same as in the worked example: PK and the check digits go to the end and letters become numbers. A one-digit error, or a pair of neighbouring digits in the wrong order, always fails.
Common mistakes with MCB IBANs
- Missing a leading zero. Many MCB numbers start with 0. If you type only 15 digits, the calculator puts the zero back in front and warns you to check the number.
- Adding the branch code. MCB says the last 16 characters of the IBAN are the existing account number. Do not add a branch code in front.
- Choosing MCB for an MCB Islamic account. MCB Islamic Bank uses MCIB, so its IBAN has different check digits even for the same 16 digits. Use the IBAN generator for all banks and pick MCB Islamic.
- Using an MCB Lite wallet number. MCB Lite is a mobile wallet; its 11-digit mobile number is not an MCB Bank account number.
MCB Live and your statement show the IBAN MCB has issued, so compare before you pass it on. This calculator is independent of MCB Bank.
MCB IBAN questions
How many digits is an MCB account number?
Sixteen. The IBAN uses all 16 unchanged, after PK, two check digits and MUCB, giving 24 characters. If yours looks shorter, check the cheque book; statements sometimes split it into groups.
What is MCB's IBAN bank code?
MUCB, which is also how MCB's SWIFT code starts. MCB Islamic Bank uses MCIB instead, so check which bank your account is with.
Does MCB's IBAN include the branch code?
Not separately. MCB says the last 16 characters of the IBAN are your existing account number, so whatever the 16 digits contain is carried over as it is.
How do I check an MCB IBAN someone sent me?
Switch to Check an IBAN and paste it. The calculator confirms it has 24 characters, starts PK, carries the MUCB code and passes the mod 97 test. It cannot tell you whose account it is; your app shows the title before you confirm the transfer.
Is my MCB IBAN printed anywhere?
Yes. It is shown under account details in the MCB Live app and on your statement. MCB asks customers to give the IBAN to anyone sending them an international remittance or an interbank transfer, so keep it to hand.
Last reviewed 9 October 2026. Results are estimates; official notices always take precedence.