What makes a Saudi Arabia IBAN valid?

A valid Saudi IBAN must satisfy three conditions: (1) it starts with the country code "SA"; (2) it is exactly 24 characters long; and (3) it passes the ISO 7064 MOD-97-10 checksum. The checksum is computed by moving the first four characters to the end of the string, replacing each letter with its two-digit code (A=10 through Z=35), then computing the remainder when that entire number is divided by 97 — a valid IBAN always gives a remainder of 1.

What does the BBAN look like for Saudi Arabia?

The BBAN (Basic Bank Account Number) is the 20-character segment that follows the two check digits. The first two BBAN positions are always "00" padding digits as specified by SAMA. Positions 3 and 4 of the BBAN (characters 7 and 8 of the full IBAN) encode the two-digit bank code — for example "10" for Al Rajhi Bank or "20" for Saudi National Bank. The remaining 18 digits are the individual account number held at that bank.

Can this tool tell me if the bank account actually exists?

No. Structural validation only confirms that the IBAN is correctly formatted and passes the mathematical checksum. It cannot tell you whether the account is open, active, or belongs to any specific person. Only the issuing bank or SAMA can confirm that. This is true of all IBAN validators worldwide.

Why is the Saudi IBAN exactly 24 characters?

SAMA adopted the ISO 13616 IBAN standard and defined a 22-character BBAN, giving a total of 24 characters (2 country code + 2 check digits + 20 BBAN digits). This fixed length is published in the official SWIFT IBAN Registry and cannot vary — any Saudi IBAN with fewer or more characters is structurally invalid regardless of its checksum.

What are the most common reasons an SA IBAN fails validation?

The three most frequent failures are: wrong length (the user copied only part of the IBAN or included the BIC/SWIFT code by mistake), a transcription error in one digit (which changes the MOD-97 remainder from 1 to something else), and missing leading zeros (some banking portals strip the "00" padding before displaying the account number, producing an IBAN that is too short by two characters).

Does the validator support IBAN format with or without spaces?

Yes. The tool accepts the IBAN in any spacing format — with spaces every four characters as printed on bank statements ("SA03 8000 0000 6080 1016 7519"), without spaces as used in electronic transfers ("SA0380000000608010167519"), or with spaces in any other positions. All spaces are stripped before validation, so the result is identical either way.

Saudi Arabia IBAN Validator

A dedicated validator for Saudi Arabia IBANs (country code SA, length 24) that checks every structural rule defined by SAMA (Saudi Central Bank) and the ISO 13616 standard. Paste in any SA IBAN — with or without spaces — and the tool immediately reports whether it passes the ISO 7064 MOD-97-10 checksum, whether its length is correct, which SAMA-registered bank the code points to, and the formatted IBAN ready to copy. Everything runs in your browser; no data is ever transmitted.

How it works

A Saudi IBAN is always exactly 24 characters:

Characters 1–2: country code SA
Characters 3–4: two check digits (computed, not arbitrary)
Characters 5–6: two zero-padding digits, always 00 per SAMA rules
Characters 7–8: two-digit SAMA bank code (e.g. 10 = Al Rajhi, 20 = SNB)
Characters 9–24: 16-digit individual account number at that bank

The MOD-97 checksum (ISO 7064 MOD-97-10) is computed as follows:

Strip spaces, convert to uppercase.
Move the first four characters (SAkk) to the end of the string.
Replace every letter with its numeric equivalent: A becomes 10, B becomes 11, through to Z becoming 35.
Read the entire resulting string as one very large integer and divide by 97.
The remainder must equal exactly 1 for the IBAN to be valid.

Because the numeric string can be hundreds of digits long, the remainder is folded progressively (one digit at a time) rather than building a giant integer, which keeps everything fast even in the browser without any external library.

Worked example

Consider the test IBAN SA03 8000 0000 6080 1016 7519:

Strip spaces: SA0380000000608010167519 (24 chars — correct length).
Rearrange: move SA03 to the end → 80000000608010167519SA03.
Expand letters: S=28, A=10 → 800000006080101675192810 03.
Compute 800000006080101675192810 03 mod 97. Folding progressively yields remainder 1 — checksum passes.
Bank code in positions 7–8: 80 — Emirates NBD Saudi Arabia.

The validator shows all five figures — country, length check, check digits, MOD-97 remainder, and bank name — in a single breakdown table.

Segment	Value	Meaning
SA	Country	Saudi Arabia
03	Check digits	ISO 7064 MOD-97
00	BBAN padding	SAMA zero-fill
80	Bank code	Emirates NBD SA
00000060801016 7519	Account number	Individual account

A “valid” result means the IBAN is structurally sound. It does not confirm the account exists — contact the bank directly for that. All calculation happens locally in your browser.