IBAN format in Iraq (IQ)
An IBAN in Iraq is 23 characters long and starts with IQ. A valid example: IQ98 NBIQ 8501 2345 6789 012. Iraq does not participate in SEPA.
IBAN structure in Iraq
| Positions | Meaning | Length | Charset | In the example |
|---|---|---|---|---|
| 1–2 | Country code | 2 | uppercase letters | IQ |
| 3–4 | Check digits (IBAN) | 2 | digits | 98 |
| 5–8 | Bank code | 4 | uppercase letters | NBIQ |
| 9–11 | Branch code | 3 | digits | 850 |
| 12–23 | Account number | 12 | digits | 123456789012 |
SEPA status
Iraq does not participate in SEPA — transfers are processed as international (SWIFT), with higher fees and longer settlement.
How do I check an IBAN?
Paste the number into the IBAN validator — it checks the MOD-97 checksum and the registered Iraq length instantly, fully in your browser.
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FAQ — IBAN in Iraq
How many characters does an IBAN in Iraq have?
A Iraq IBAN is exactly 23 characters: it starts with "IQ", followed by 2 check digits and a 19-character national part (BBAN).
What does a Iraq IBAN look like?
A valid example IBAN for Iraq: IQ98 NBIQ 8501 2345 6789 012. This is the official sample from the IBAN registry — real accounts follow the same structure.
Is Iraq in SEPA?
Iraq does not participate in SEPA — transfers are processed as international (SWIFT), with higher fees and longer settlement.
Where can I check an IBAN from Iraq?
Use the free svcs.bg IBAN validator — it checks the MOD-97 checksum and the registered Iraq length right in your browser; the number is never sent to a server.
What is inside a Iraq IBAN?
After "IQ" and the 2 check digits come: the bank code (4 uppercase letters), the branch code (3 digits), the account number (12 digits).
The example IBAN is the official sample from the public IBAN registry (ISO 13616) and passes the MOD-97 check — it is not a real bank account.