Pakistan adopted IBAN in October 2022. All SBP-licensed banks are required to issue 24-character PK IBANs. If your bank has not given you an IBAN yet, contact them directly or check your banking app. Use the Generate tab below to construct your IBAN from your account number.
Pakistan IBAN Validator & Generator
Validate any 24-character Pakistani IBAN with MOD-97 checksum verification, or generate your Pakistan IBAN from your existing account number. Covers all SBP-licensed banks.
24 characters: PK + 2 check digits + 4-letter bank code + 16-digit account
0 / 24
Numeric digits only. Shorter numbers are zero-padded to 16 digits.
Got your Pakistan IBAN? Send money to Pakistan at the best rate:
How to Find Your Pakistan IBAN
Via Banking App
HBL: HBL Mobile app > Accounts > Account Details
UBL: UBL Digital / Omni app > My Accounts
MCB: MCB Mobile > Account > IBAN
Meezan: Meezan Bank app > Accounts
Alfalah: Bank Alfalah app > Account Info
Via USSD (Phone)
HBL: Dial *1111# and select IBAN option
UBL: Dial *786# for account info
MCB: Dial *111# menu
NBP: Contact branch or app
USSD codes vary by bank and region. Check with your bank if unavailable.
Other Methods
Bank statement: Your IBAN appears on monthly statements issued after October 2022.
Branch visit: Any branch will provide your IBAN on request with CNIC.
Generate here: Use the Generate tab above if you know your account number.
Pakistan Banks: IBAN Codes + SWIFT Codes
The 4-letter IBAN bank code is assigned by SBP. SWIFT codes are needed for international wire transfers.
| Bank | IBAN Code |
|---|
Pakistan IBAN: What Changed in 2022
In October 2022, the State Bank of Pakistan (SBP) mandated that all licensed commercial banks issue IBAN (International Bank Account Numbers) to their customers. This brought Pakistan in line with the international IBAN standard used by over 80 countries. Before 2022, Pakistani bank accounts used a variety of formats, which made cross-border transfers more complicated and error-prone.
The Pakistan IBAN is exactly 24 characters: the two-letter country code PK, two numeric check digits calculated using the MOD-97 algorithm, a four-letter bank identifier code assigned by SBP, and a 16-digit account number. This is slightly shorter than the IBANs used by some European countries (Germany uses 22, UK uses 22, France uses 27) but follows the same underlying standard.
Receiving International Transfers with Your Pakistan IBAN
Since 2022, the Pakistani diaspora in the UAE, Saudi Arabia, UK, US, and elsewhere can provide their IBAN directly to employers, clients, and family members for international transfers. For SWIFT wire transfers, give the sender your 24-character IBAN, your bank's SWIFT code, and your bank's address. HBL's SWIFT code is HABBPKKA. UBL's is UNILPKKA. MCB's is MUCBPKKA. Meezan Bank's is MEZNPKKA.
For the growing class of Pakistani freelancers and remote workers receiving salaries from abroad, services like Wise, Remitly, and WorldRemit have become the preferred alternative to SWIFT wires. These services typically only need your IBAN and bank name, settle faster (1-2 business days vs 3-5 for SWIFT), and charge lower fees. Some Pakistani banks have also introduced direct integrations with services like Wise for PKR transfers.
Islamic banking accounts at Meezan Bank, Bank Alfalah Islamic, MCB Islamic, Dubai Islamic Bank Pakistan, and BankIslami also have valid 24-character IBANs following the same format. They use the same IBAN standard, just with different bank codes (MEZN for Meezan, DISB for Dubai Islamic, BKIS for BankIslami).
Validate IBANs from 87 countries with our International IBAN Validator. Check Indian IFSC codes with our India IFSC Checker. Compare PKR transfer rates on our Send Money to Pakistan page.
IBAN bank code data sourced from State Bank of Pakistan (SBP) public institution registry. Pakistan IBAN adoption: SBP IBAN Regulations, October 2022. Data last updated: January 2025.