What is the Portugal IBAN format?

Portugal IBANs start with PT, followed by 2 check digits, then a 21-character BBAN encoding the bank code, branch code, and account number.

Portugal is a SEPA member. Transfers from other SEPA countries are fast and low-cost.

PT SEPA Member

Portugal IBAN Format

Q: How long is a Portugal IBAN?

A Portugal IBAN is 25 characters long.

25-character IBAN · EUR Euro · SEPA zone

A Portugal IBAN is 25 characters long and always begins with the country code PT, followed by two check digits. The next 4 characters are the Bank Code. This is followed by the Branch Code (4 characters). The remaining 11 characters identify the individual account number. The Portugal IBAN uses the EUR (Euro) and is a <strong>SEPA member</strong>, meaning euro transfers from other SEPA countries are fast and low-cost.

Length

characters

Country Code

ISO 3166-1

Currency

EUR

Euro

SEPA

Yes

SEPA member

Example IBAN

PT50 0002 0123 1234 5678 9015 4

PT Country

50 Check Digits

0002 Bank Code

0123 Branch Code

12345678901 Account Number

54 National Check Digits

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	PT
3–4	2	Check Digits	n	50
5–8	4	Bank Code	n	0002
9–12	4	Branch Code	n	0123
13–23	11	Account Number	n	12345678901
24–25	2	National Check Digits	n	54

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

Major Banks in Portugal

Bank Name	Bank Code	BIC / SWIFT	City
ActivoBank	0045	ACTBPTPL	Lisbon
Banco BPI	0010	BPIPPTPL	Porto
Caixa Geral de Depósitos	0002	CGDIPTPL	Lisbon
Crédito Agrícola	0007	CCCMPTPL	Lisbon
Millennium BCP	0033	BCOMPTPL	Lisbon
Novo Banco	0079	BESCPTPL	Lisbon
Santander Portugal	0018	BCOMPTPL	Lisbon

Validate a Portugal IBAN

Paste a Portugal IBAN below to check it.

Portugal IBAN Regex Pattern

^PT\d{2}\d{4}\d{4}\d{11}\d{2}$

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(' ', '', $input));
if (!preg_match('/^PT\\d{2}\\d{4}\\d{4}\\d{11}\\d{2}$/', $iban)) {
    // Invalid Portugal IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^PT\d{2}\d{4}\d{4}\d{11}\d{2}$/;
if (!pattern.test(iban)) {
  // Invalid Portugal IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^PT\d{2}\d{4}\d{4}\d{11}\d{2}$'
if not re.fullmatch(pattern, iban):
    # Invalid Portugal 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 Portugal IBAN

Portugal accounts are traditionally identified using: Bank Code (4n) + Branch Code (4n) + Account Number (11n) + Check Digits (2n). 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 Portugal 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 Portugal 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 Portugal

Portugal is a SEPA member. From any other SEPA country, you only need the recipient's IBAN — no BIC/SWIFT required. Transfers settle within 1 business day (or instantly via SEPA Instant Credit Transfer). Fees cannot exceed what your bank charges for a domestic payment.

What to provide

Recipient's full name
IBAN (25 characters, starts with PT)

Typical transfer time

0–1 day

SEPA Credit Transfer (1 day) or SEPA Instant (<10 seconds if both banks support it)

Portugal is a SEPA member using the Euro. IBAN alone is sufficient for SEPA transfers. Portuguese IBANs are 25 characters. The NIB (Número de Identificação Bancária) is the traditional format and maps directly to the BBAN.

Compare transfer services for Portugal

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

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

Central Bank

Banco de Portugal

https://www.bportugal.pt ↗

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Quick Facts

IBAN Length: 25 chars
Country Code: PT
Currency: EUR
SEPA: Yes
BBAN Format: 21n
IBAN Required: mandatory
Adopted: 2001