Developers
Pricing
Home
Tools
IBAN Number

Pakistan IBAN Number

Find the IBAN number for any bank within Pakistan

IBAN Calculator

Select
Select

Steps to validate an IBAN

There are two different validations that can be performed to ensure an UK IBAN is correct.

  • 01
    First validation is done using the IBAN's Check Digits using the MOD97 algorithm.
  • 02
    Second layer of validation can be carried out on the domestic sort code and account number combination
  • 03
    Match the sort code against our Bank and Branch code directory to check if it exists

Found the correct IBAN, What to do next

With a Pakistani IBAN to hand, complete these steps before sending.

  • 01
    Confirm the beneficiary's exact registered name and CNIC or NTN (tax ID) with the Pakistani bank.
  • 02
    Pair the IBAN with the bank's SWIFT/BIC for any inbound cross-border payment.
  • 03
    Decide the rail. For 24/7 retail payments inside Pakistan, Raast settles via mobile number or Raast ID and is free. For larger interbank flows, PRISM+ (RTGS) handles high-value settlement.
  • 04
    Confirm the account currency. Pakistani banks commonly hold PKR, USD, and AED.
  • 05
    For first-time corporate beneficiaries, send a small test transfer first and reconcile against bank confirmation.

Common transfer mistakes to avoid for Pakistan

Exact beneficiary name

Must match bank records exactly to avoid rejection or delays

Correct SWIFT/BIC code

Ensures the payment routes to the right bank.

Currency match

Sending the wrong currency can trigger extra fees or failed transfers.

Active account details

Outdated or inactive accounts can result in returned payments.

IBAN Rules in Pakistan

  • 01
    IBAN is mandatory in Pakistan for every domestic and cross-border transaction, in force since the State Bank of Pakistan (SBP) IBAN guidelines took effect in 2012.
  • 02
    The 24-character Pakistani IBAN begins with PK, two check digits, a 4-letter bank code, and a 16-character account identifier.
  • 03
    Legacy account numbers have been migrated into the 16-digit BBAN within the IBAN. Pakistan is outside SEPA, so SEPA does not apply. Raast IDs (mobile-number aliases) are increasingly used as a consumer identifier alongside IBAN but the underlying settlement still resolves to the IBAN. The same Pakistani IBAN handles inbound SWIFT remittances, PRISM+ RTGS settlement, and 1LINK IBFT retail interbank transfers.

Pakistan Payment Schemes

Pakistan's payment infrastructure is operated by the State Bank of Pakistan and the bank consortium 1LINK.

  • 01
    PRISM / PRISM+ (Pakistan Real-time Interbank Settlement Mechanism), State Bank of Pakistan, RTGS for large-value and urgent interbank settlement, PRISM+ ISO 20022 upgrade live August 2025.
  • 02
    Raast, State Bank of Pakistan with Bill and Melinda Gates Foundation support, domestic instant retail payments 24/7 via Raast IDs (mobile aliases).
  • 03
    1LINK, 1LINK (Guarantee) Ltd consortium under SBP oversight, shared payment switch for ATM, IBFT, and bill payments.
  • 04
    PayPak, 1LINK, domestic card scheme.
  • 05
    SWIFT, for cross-border settlement.

Search IBAN for top banks in Pakistan

An accurate IBAN is step one. A smarter transfer is step two.

Xflow lets you make international payments directly, quickly, affordably, and without hidden fees.

20,000+ Customers Trust Us For Their International Payments

Do you also require also require SWIFT?

Many transfers require both IBAN + SWIFT, check out our swift calculator

Xflow

Disclaimer

This tool is provided for informational purposes only. Xflow does not guarantee the accuracy or completeness of results. Always verify account details directly with your bank or beneficiary before initiating any transfer. Xflow is not liable for any losses arising from incorrect IBAN usage.

Last Reviewed: 26/05/2026

More tools by Xflow
USD / INR Currency Converter

USD / INR Currency Converter

See how much you will receive in INR when converting a specific USD amount