International Bank Account Number in Pakistan


When can customers use IBAN in Pakistan?
By 30th June 2013, customers can use IBAN for payments in Pakistan.

What is the IBAN?
IBAN is the acronym for ISO 13616 standard compliant International Bank Account Number. It is new format of existing account number which can be used confidently in making or receiving payments (currently excluding Cheques) within the country as well as abroad. The confidence comes from two sources: the first is the internationally accepted standard for numbering bank customer accounts and the second is the ISO standard methodology for verifying the accuracy of the IBAN even before remitting the payment. An IBAN contains information relating to the country in which the IBAN was issued and where the IBAN account is held, bank code of account holder's bank as well as the account number itself. An IBAN contains information relating to the country, bank of the beneficiary as well as the account number itself. Formation of IBAN in Pakistan is a composition of 24 alpha-numeric characters.

What is benefit of IBAN?
IBAN facilitate accuracy and validation of account number of the recipient at the point of initiating a payment, regardless of the bank/country where customer maintains his/her account. It allows exchanging account identification details in machine readable form, hence ensure faster and more reliable electronic customer fund transfers while minimizing risk of delays.

What is the difference between an IBAN and a normal account number?
An IBAN can be distinguished from a normal account number using the following:

- Two letters at the beginning of the IBAN, which refer to the country code where the account resides
- Two numbers (in the third and fourth position of the IBAN), which represent the check digit
- Four characters (after the check digits) to identify the respective bank where the beneficiary maintains his/her account
- The length of the IBAN is 24 characters.

What are the benefits of IBAN versus a normal account number?
The main benefit of IBAN versus a normal account number is that it increases the efficiency of electronic funds transfers.

- A bank account standard across Pakistan will bring more efficiency in payment processing by enabling the payments\clearing systems to electronically validate account numbers and to decide the route a payment should take without manual intervention.
- Elimination of delays in credit transfers originating from IBAN compliant countries to Pakistan as same are delayed, sometimes for several days due to manual intervention required for sending credit transfers to non IBAN compliant account numbers.
- IBAN implementation will help in bringing more efficiency in remittance related transactions as a significant percentage of these transactions are rejected due to inaccurate account numbers information. Account validation at remitting institution due to IBAN’s check digit mechanism will significantly reduce errors related to account numbers.

What can I use IBAN for?
IBAN can be used for the following local and international payments after June 30, 2013:

Making a fund transfer (through a bank) to an account at a bank in Pakistan;
Making a payment (through a bank) to an account in a country that has adopted IBAN;
Receiving a fund transfer (through a bank) from an account at a bank in Pakistan;
Receiving a fund transfer (through a bank) from an account in a country that has adopted IBAN; and
Receiving a fund transfer (through a bank) from an account in a country that has not adopted IBAN.

Pakistan IBAN Codes
Bank Code Bank Name SWIFT/BIC Code
ABNA THE ROYAL BANK OF SCOTLAND LIMITED ABNAPKKA
ABPA ALLIED BANK LIMITED ABPAPKKA
AEIB AMERICAN EXPRESS BANK LIMITED AEIBPKKX
AFHB AZIZ FIDA HUSSAIN AFHBPKK1
AHRR ALI HUSSAIN RAJABALI AHRRPKK1
AIIN ALBARAKA BANK (PAKISTAN) LIMITED AIINPKKA
AKDB AQEEL KARIM DHEDHI AKDBPKK1
ALFH BANK ALFALAH LIMITED ALFHPKKA
ARHA ARIF HABIB LIMITED ARHAPKK1
ASCM ASKARI BANK LTD. ASCMPKKA
ASKR ASKARI BANK LTD. ASKRPKKA
BAHL BANK AL HABIB LIMITED BAHLPKKA
BARC BARCLAYS BANK PLC BARCPKKA
BATS PAKISTAN TOBACCO COMPANY LIMITED BATSPKA1
BCEY SUMMIT BANK LTD BCEYPKKA
BKIP BANKISLAMI PAKISTAN LIMITED BKIPPKKA
BMCM BMA CAPITAL MANAGEMENT LIMITED BMCMPKK1
BOTK BANK OF TOKYO-MITSUBISHI UFJ, LTD., THE BOTKPKKA
BPUN BANK OF PUNJAB, THE BPUNPKKA
BURJ BURJ BANK LIMITED BURJPKKA
CDCP CENTRAL DEPOSITORY COMPANY OF PAKIS TAN LIMITED CDCPPKK1
CITI CITIBANK N. A., PAKISTAN CITIPKKA
DBHD SUMMIT BANK LTD DBHDPKKA
DEUT DEUTSCHE BANK AG, KARACHI BRANCH DEUTPKKA
DUIB DUBAI ISLAMIC BANK PAKISTAN LIMITED DUIBPKKA
FAIB FAISAL ISLAMIC BANK OF BAHRAIN FAIBPKK1
FAYS FAYSAL BANK LIMITED FAYSPKKA
FCEQ FIRST CAPITAL EQUITIES LIMITED FCEQPKK1
FDIB BURJ BANK LIMITED FDIBPKKA
FWOM FIRST WOMEN BANK LIMITED FWOMPKKA
HABB HABIB BANK LIMITED HEAD OFFICE HABBPKKA
HBLD HABIB BANK LIMITED HEAD OFFICE HBLDPKKA
ICBK INDUSTRIAL AND COMMERCIAL BANK OF CHINA, KARACHI BRANCH ICBKPKKA
IFBL IFIC BANK LIMITED IFBLPKK1
IGFS IGI FINEX SECURITIES IGFSPKK1
IVSP INVISOR SECURITIES (PVT) LIMITED IVSPPKK1
JAFP JARDINE FLEMING PAKISTAN LTD. JAFPPKK1
JESI JEHANGIR SIDDIQUI AND CO . LIMITED JESIPKK1
JSBL JS BANK LIMITED JSBLPKKA
JSCM JAHANGIR SIDDIQUI CAPITAL MARKETS LIMITED JSCMPKK1
KABB KAUSAR ABBAS BHAYANI KABBPKK1
KASB KHADIM ALI SHAH BUKHARI AND CO. LTD KASBPKK1
KHYB BANK OF KHYBER, THE KHYBPKKA
MAAD MAJEED ADAM MAADPKK1
MBPL SAMBA BANK LIMITED MBPLPKKA
MEZN MEEZAN BANK LIMITED MEZNPKKA
MPBL HABIB METROPOLITAN BANK LIMITED MPBLPKKA
MTBL HABIB METROPOLITAN BANK LIMITED MTBLPKKA
MUCB MCB BANK LIMITED MUCBPKKA
NBPA NATIONAL BANK OF PAKISTAN NBPAPKKA
NIBP NIB BANK LIMITED NIBPPKKA
OCMV OPTIMUS CAPITAL MANAGEMENT (PVT) LTD OCMVPKK1
OIBA HSBC BANK OMAN S.A.O.G. OIBAPKKA
PHCP PAK-LIBYA HOLDING COMPANY PVT. LTD. PHCPPKK1
PKIC PAKISTAN KUWAIT INVESTMENT COMPANY (PRIVATE) LIMITED PKICPKK1
PLCO KASB BANK LIMITED PLCOPKKA
PRUC Silkbank Limited PRUCPKKA
PUSV I. PURI SECURITIES (PVT) LIMITED PUSVPKK1
ROEX ROYAL EXCHANGE LTD ROEXPKK1
RUPB RUPALI BANK LIMITED RUPBPKK1
SAGR B. SALEEM GAZIPURA SAGRPKK1
SAMB SAMBA BANK LIMITED SAMBPKKA
SAUD Silkbank Limited SAUDPKKA
SBPP STATE BANK OF PAKISTAN SBPPPKKA
SCBL STANDARD CHARTERED BANK (PAKISTAN) LIMITED SCBLPKKA
SGHD SULTAN GHULAM HUSEIN DATTOO SGHDPKK1
SILK SILK FINANCE SILKPKK1
SIND SINDH BANK LIMITED SINDPKKA
SMES SME BANK LTD SMESPKK1
SOGE SOCIETE GENERALE, THE FRENCH AND INTERNATIONAL BANK SOGEPKK1
SONE SONERI BANK LIMITED SONEPKKA
SUMB SUMMIT BANK LTD SUMBPKKA
TASR TAURUS SECURITIES LIMITED TASRPKK1
TIBL TRUST INVESTMENT BANK LIMITED TIBLPKKA
TOSV TOPLINE SECURITIES PVT LTD. TOSVPKK1
TRBA TRUST BANK LIMITED TRBAPKK1
UNIL UNITED BANK LIMITED UNILPKKA
WICA ELIXIR SECURITIES PAKISTAN (PVT) LTD WICAPKK1
WSEP WALL STREET EXCHANGE CO. (PVT.) LTD WSEPPKK1
XKAR KARACHI STOCK EXCHANGE (GUARANTEE) LIMITED XKARPKK1

Pakistan IBAN Codes

List of IBFT Member Banks & their Account Patterns

S.No. Name of Bank Account Number’s Format Length of Account Number
1 Allied Bank Limited BBBBAAAAAAAAA
where:
BBBB is the Branch Code (04 digits)
AAAAAAAAA is the Account Number (09 digits)
13 Digits
BBBBAAAAAAAAAAAAAAAA
where:
BBBB is the Branch Code (04 digits)
AAAAAAAAAAAAAAAA is the Account Number (16 digits)
20 Digits
2 Askari Bank BBBBCCTTTAAAA
where
BBBB is the Branch Code (04 digits)
CC is the Currency Code (02 digit always 01)
TTT is the Account Type (03 digits)
AAAA is the Account Number (04 digits)
13 Digits
3 Bank Al Falah BBBBAAAAAA
where
BBBB is the Branch Code (04 digits)
AAAAAA is the Account Number (06 digits)
10 Digits
BBBBAAAAAAAAAA4
where
BBBB is the Branch Code (04 digits)
AAAAAAAAAA is Account Number (10 digits)
14 Digits
BBBBAAAAAAAAAA4
where
BBBB is the Branch Code (04 digits)
AAAAAAAAAAAAAA is the Account Number (14 digits)
18 Digits (for Islamic Branches)
4 Bank Al Habib BBBBTTTTBBBBBBRRC
where
BBBB is the Branch Code (04 digits)
TTTT is the Account Number(04 digits)
BBBBBB is the Base Number (06 digits)
RR is the Running No. (02 digits)
C is the Check Digit (01 digit)
17 Digits
5 Bank Islami 15-digit Account Number without Hyphen 15 Digits
6 Bank of Punjab BBBBTTTAAAAAAAAAA
where
BBBB is the Branch Code (04 digits)
TTT is the Account Type (03 digits)
AAAAAAAAAA is the Account Number (10 digits)
17 Digits
7 Burj Bank BBBBTTCCCAAAAAAP
where
BBBB is the Branch Code (04 digits)
TT is the Account Type (02 digits)
CCC is the Currency Type (03 digits)
AAAAAA is the Account Number (06 digits)
P is the Prefix (01 digit)
16 Digits
8 Faysal Bank BBBBSSSAAAAAAA
where
BBBB is the Branch Code (04 digits)
SSS is the Account Suffix (03 digits)
AAAAAAA is the Account Number (07 digits) Ex-RBS: AAAAAAAAA (09 digits)
14 Digits
9 Habib Bank Limited BBBBAAAAAAAATT
where
BBBB is the Branch Code (04 digits)
AAAAAAAA is the Account Number (08 digits)
TT is the Account Type (02 digits i.e. 03 = CD, 06 = SB)
14 Digits
10 JS Bank 6-digit JS Bank Account Number 6 Digits
11 KASB Bank BBBBAAAAAASSS
where
BBBB is the Branch Code (04 digits)
AAAAAA is the Account Number (06 digits)
SSS is the Suffix (03 digits)
13 Digits
12 NIB Bank BBBBAAAAAAASSSS
where
BBBB is the Branch Code (04 digits)
AAAAAAA is the Account Number (07 digits)
SSSS is Suffix (04 digits)
15 Digits (old A/C Format)
00000000XXXXXXX
Add 7 or 8 Zeros before 8- or 7-digit account numbers to make them 15-digit.
15 Digits (New A/C Format)
13 Standard Chartered bank 11-digit SCB Bank Account Number 11 digits
14 SILK Bank BBBBAAAAAAAAAA
where
BBBB is the Branch Code (04 digits)
AAAAAAAAAA is the Account Number (10 digits)
14 Digits
15 Soneri Bank BBBBAAAAAAAAAAA
where
BBBB is the Branch Code (04 digits)
AAAAAAAAAAA is the Account Number (11 digits)
15 Digits
16 Summit Bank 20 digits in the following manner: 01020120311714020909 20 Digits
17 Tameer MicroFinance Bank AAABBBCCCCCCDDD
where
AAA is the Account Type (03 digits)
BBB is the Branch Code (03 digits)
CCCCCC is the Customer Identification Number (06 digits)
DDD is the Serial Number (03 digits)
15 Digits
18 United Bank Limited BBBBAAAAAAAA For Uni Bank
BBBB is the Branch Code (04 digits)
AAAAAAAA is the Account Number (08 digits)
AAAAAAAAA for SYMBOL Branches
12 digits for UniBank & 9 Digits for SYMBOL
19 Citi Bank 10-digit Bank Account Number 10 Digits
20 Dubai Islamic Bank 10-digit Bank Account Number 10 Digits
21 Meezan Bank BBBB-AAAAAAAAAA
where
BBBB is the Branch Code
AAAAAAAAAA is the Account Number
14 Digits
22 APNA Microfinance Bank AAAAAAAAAAAA 12 Digits
23 SAMBA Bank AAAAAAAAAA 10 Digits
24 Sindh Bank BBBB-RRRRRR-AAAA
where
BBBB is the Branch Code
AAAA is the Account Number
14 Digits
25 Al-Barka Bank AAAAAAAAAAAAA 13 Digits
26 Habib Metropolitan Bank CZZBBSSSSSCCCAAAAAA
where
C is the Country
ZZ is the Zone
BB is the Branch Code
SSSSS is the Subhead
CCC is the Currency Type
AAAAAA is the Account Number
19 Digits