What is the Saudi Arabia IBAN format?

Saudi Arabia IBANs start with SA, followed by 2 check digits, then a 20-character BBAN encoding the bank code, branch code, and account number.

Is Saudi Arabia in SEPA?

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

Saudi Arabia IBAN Format

Q: How long is a Saudi Arabia IBAN?

A Saudi Arabia IBAN is 24 characters long.

24-character IBAN · SAR Saudi Riyal

A Saudi Arabia IBAN is 24 characters long and always begins with the country code SA, followed by two check digits. The next 2 characters are the Bank Code. The remaining 18 characters identify the individual account number. The Saudi Arabia IBAN uses the SAR (Saudi Riyal) and is not part of the SEPA zone, so international transfer fees and timelines apply.

Length

characters

Country Code

ISO 3166-1

Currency

SAR

Saudi Riyal

SEPA

Non-SEPA

Example IBAN

SA03 8000 0000 6080 1016 7519

SA Country

03 Check Digits

80 Bank Code

000000608010167519 Account Number

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	SA
3–4	2	Check Digits	n	03
5–6	2	Bank Code	n	80
7–24	18	Account Number	c	000000608010167519

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

Major Banks in Saudi Arabia

Bank Name	Bank Code	BIC / SWIFT	City
Al Rajhi Bank	10	RJHISARI	Riyadh
Arab National Bank (ANB)	45	ARNBSARI	Riyadh
Banque Saudi Fransi	30	BSFRSARI	Riyadh
Riyad Bank	20	RIBLSARI	Riyadh
Saudi Awwal Bank (SAB)	55	SABBSARI	Riyadh
Saudi British Bank (SABB)	15	SABBSARI	Riyadh
Saudi National Bank (SNB)	05	NCBKSAJE	Riyadh

Validate a Saudi Arabia IBAN

Paste a Saudi Arabia IBAN below to check it.

Saudi Arabia IBAN Regex Pattern

^SA\d{2}\d{2}[A-Z0-9]{18}$

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(' ', '', $input));
if (!preg_match('/^SA\\d{2}\\d{2}[A-Z0-9]{18}$/', $iban)) {
    // Invalid Saudi Arabia IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^SA\d{2}\d{2}[A-Z0-9]{18}$/;
if (!pattern.test(iban)) {
  // Invalid Saudi Arabia IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^SA\d{2}\d{2}[A-Z0-9]{18}$'
if not re.fullmatch(pattern, iban):
    # Invalid Saudi Arabia 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 Saudi Arabia IBAN

Saudi Arabia accounts are traditionally identified using: Bank Code (2n) + Account Number (18c). 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 Saudi Arabia 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 Saudi Arabia 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 Saudi Arabia

Saudi Arabia 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 (24 characters, starts with SA)
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.

Saudi Arabia adopted IBAN in 2016, replacing the old bank code + account number system. Not SEPA. Always include BIC. The Saudi Payments Network (SADAD/SARIE) uses IBAN as the primary account identifier. Transfers settle via SARIE for domestic, SWIFT for international.

Compare transfer services for Saudi Arabia

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

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

Central Bank

Saudi Central Bank (SAMA)

https://www.sama.gov.sa ↗

← San Marino Serbia →

Quick Facts

IBAN Length: 24 chars
Country Code: SA
Currency: SAR
SEPA: No
BBAN Format: 2n18c
IBAN Required: mandatory
Adopted: 2016