UBL IBAN Generator

A UBL IBAN for a 12-digit account is PK, two check digits, UNIL, then 0112 and the 12-digit account number. The branch code is not part of it. A 12-digit UBL account is often written like 0123-0456789-0.

Type the 12 digits above and the IBAN appears. For 0123-0456789-0 it is PK12 UNIL 0112 0123 0456 7890.

UBL account number layout

UBL differs from most banks. Its IBAN is not just the account number padded with zeros: 12-digit accounts get the prefix 0112. Real UBL IBANs printed with their 12-digit account numbers all read UNIL0112 followed by the 12 digits, and pass the ISO check.

Older 9-digit UBL accounts appear in published IBANs as 0109000 followed by the 9 digits. Treat an IBAN made from a 9-digit number as a guide and confirm it with UBL before you use it.

UBL Digital, cheque book and statement

Open account details in the UBL Digital app, where the IBAN is shown with the account number. It is also on your bank statement. The account number is printed on your cheque book; some statements show the 4-digit branch code in front of it, but the IBAN uses only the 12-digit account number.

Allied Bank's sheet of account formats for interbank transfers lists UBL numbers as a 4-digit branch code with either 9 or 12 account digits.

Worked example: a 12-digit UBL account

Account number 0123-0456789-0:

1. 16-digit part: 0112 + 012304567890 = 0112012304567890.
2. Rearranged: UNIL0112012304567890PK00.
3. Letters to numbers (U = 30, N = 23, I = 18, L = 21, P = 25, K = 20): 302318210112012304567890252000.
4. Remainder after dividing by 97: 86. Check digits: 98 minus 86 = 12.

IBAN: PK12 UNIL 0112 0123 0456 7890. Generic IBAN tools that only pad the account number with zeros would give a different, wrong IBAN for UBL. For other banks, use the IBAN generator for all banks.

Spotting a wrong UBL IBAN

PK12 UNIL 0112 0123 0456 7809 looks right but has its last two digits reversed. In Check an IBAN it leaves a remainder of 45 when divided by 97, and only a remainder of 1 is valid. The typed digits would need check digits of 65.

The correct PK12 UNIL 0112 0123 0456 7890 passes. The test always catches one wrong digit or two neighbouring digits in the wrong order.

Common mistakes with UBL IBANs

• Typing the branch code in front. A 4-digit branch code plus the 12-digit account makes 16 digits, which UBL's IBAN does not use. The calculator refuses 16 digits and asks for the 12-digit account number alone.
• Padding with zeros instead of 0112. A generic tool that turns 012304567890 into 0000012304567890 gives a wrong UBL IBAN. The UBL rule puts 0112 in front.
• Reading 0112 as a branch code. It is the same for every 12-digit account, whichever branch holds it.
• Old 9-digit accounts. These carry the prefix 0109000 in published UBL IBANs, so 123456789 gives PK74 UNIL 0109 0001 2345 6789. Confirm a 9-digit result with UBL before you share it.

UBL IBAN questions