What is the Iraq IBAN format?

Iraq IBANs start with IQ, followed by 2 check digits, then a 19-character BBAN encoding the bank code, branch code, and account number.

Iraq is not a SEPA member. International transfer fees and timelines apply.

Iraq IBAN Format

Q: How long is a Iraq IBAN?

A Iraq IBAN is 23 characters long.

23-character IBAN · IQD Iraqi Dinar

A Iraq IBAN is 23 characters long and always begins with the country code IQ, followed by two check digits. The next 4 characters are the Bank Code. This is followed by the Branch Code (3 characters). The remaining 12 characters identify the individual account number. The Iraq IBAN uses the IQD (Iraqi Dinar) and is not part of the SEPA zone, so international transfer fees and timelines apply.

Length

characters

Country Code

ISO 3166-1

Currency

IQD

Iraqi Dinar

SEPA

Non-SEPA

Example IBAN

IQ98 NBIQ 8501 2345 6789 012

IQ Country

98 Check Digits

NBIQ Bank Code

850 Branch Code

123456789012 Account Number

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	IQ
3–4	2	Check Digits	n	98
5–8	4	Bank Code	a	NBIQ
9–11	3	Branch Code	n	850
12–23	12	Account Number	n	123456789012

n = numeric only (0–9) a = alphabetic only (A–Z) c = alphanumeric (0–9, A–Z)

Validate a Iraq IBAN

Paste a Iraq IBAN below to check it.

Iraq IBAN Regex Pattern

^IQ\d{2}[A-Z]{4}\d{3}\d{12}$

Pattern validates length, country code, check digit positions, and field character types. Does not verify the MOD-97 checksum (use the validator above for full validation).

PHP

$iban = strtoupper(str_replace(' ', '', $input));
if (!preg_match('/^IQ\\d{2}[A-Z]{4}\\d{3}\\d{12}$/', $iban)) {
    // Invalid Iraq IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^IQ\d{2}[A-Z]{4}\d{3}\d{12}$/;
if (!pattern.test(iban)) {
  // Invalid Iraq IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^IQ\d{2}[A-Z]{4}\d{3}\d{12}$'
if not re.fullmatch(pattern, iban):
    # Invalid Iraq IBAN format

These snippets check format only. For full IBAN validation including MOD-97 checksum, use a dedicated IBAN library or the validator on this page.

How to Find Your Iraq IBAN

Iraq accounts are traditionally identified using: Bank Code (4a) + Branch Code (3n) + Account Number (12n). Your IBAN encodes these same components in the standardised international format.

1
Mobile banking app — Open your bank's app, navigate to account details or "Account Info." Your IBAN is usually displayed alongside your account number. Look for a field labelled "IBAN" or "International Account Number."
2
Bank statement — Your Iraq IBAN appears in the account header of your printed or PDF bank statement, typically near the top of the first page.
3
Online banking — Log in to your bank's website and go to "Account Details," "Account Summary," or "Profile." Most Iraq banks display the IBAN prominently in account settings.
4
Bank branch or helpline — Call your bank's customer service or visit a branch with your ID. They can provide your full IBAN instantly.

Once you have your IBAN, use the validator above to confirm it is correctly formatted before sharing it.

Sending Money to Iraq

Iraq is not a SEPA member. Transfers require both an IBAN and a BIC/SWIFT code. Expect 2–5 business days and a SWIFT correspondent fee (typically $10–$40 USD via a traditional bank). Using a specialist service like Wise or Revolut can significantly reduce these fees.

What to provide

Recipient's full name
IBAN (23 characters, starts with IQ)
BIC / SWIFT code
Recipient's bank address (some banks)

Typical transfer time

2–5 days

Via SWIFT network. Specialist services (Wise, Revolut) are often faster and cheaper than traditional bank wires.

Iraq adopted IBAN in 2020. Not SEPA. Always include BIC. Transfer availability may be affected by banking sanctions and correspondent banking relationships.

Compare transfer services for Iraq

Specialist services typically charge significantly less than high-street banks for international transfers.

Wise — Low fees, real exchange rate ↗ Revolut — Fast transfers ↗

Central Bank

Central Bank of Iraq

https://www.cbi.iq ↗

← Iceland Ireland →

Quick Facts

IBAN Length: 23 chars
Country Code: IQ
Currency: IQD
SEPA: No
BBAN Format: 4a15n
IBAN Required: mandatory
Adopted: 2020