Bank Account Validation by Country: Pakistan to the United States

This outlines the country specific bank account validation rules performed in Oracle Fusion Cash Management.

The following countries have country specific validations:

Pakistan
Palestine
Poland

Portugal
Qatar

Reunion

Romania

Saint Barthelemy
Saint Lucia
San Marino

Saint Martin

Saint Pierre and Miquelon

Saudi Arabia

Serbia

Serbia and Montenegro
Senegal
Seychelles

Singapore

Slovakia

Slovenia

Spain

Sweden

Switzerland

The Former Yugoslav Republic of Macedonia

Tunisia

Turkey
Ukraine

United Arab Emirates

United Kingdom

United States

When entering bank accounts, different countries can have certain rules governing the format and content of the following related fields:

Bank Code
Branch Number
Account Number
Check Digit
IBAN

Use the Disable Country Specific Bank Validations profile option to disable the country-specific validations pertaining to the bank code, branch number, account number, check digit, and IBAN. You can set this profile option at the site or user level. The profile is predefined with a default value of No at the site level. If the profile is set to Yes, these validations aren't performed. The checks for unique banks, branches, accounts, and the mandatory requirement of bank account number aren't affected by this profile.

Note: Mandatory IBAN validation is only valid for internal bank accounts. For external bank accounts, IBAN will be optional except for employee bank accounts which are governed by country-specific UI rules.

Pakistan

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 24 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed.. The first 2 characters are letters.

Palestine

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 29 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

Poland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional If entered, the length should be of 8 numeric characters.
Branch Number	Optional If entered, the length should be of 8 numeric characters. If the Bank Code and Branch Number are entered, then both values must match
Account Number	Mandatory Length should be a maximum of 16 alphanumeric characters.
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 28 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Portugal

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Mandatory Length should be of 4 numeric characters.
Branch Number	Mandatory Length should be of 4 numeric characters.
Account Number	Mandatory Length should be a maximum of 11 numeric characters.
Check Digit	Optional Length should be of 2 numeric characters. If entered, a check algorithm is applied on the Check Digit.
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 25 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Check Algorithm for Check Digit

A check digit's formed (CD1) from the Bank Code, Branch Number, and Account Number by concatenating the three numbers.
For example, using Bank Code 1234, Branch Number 5678, and Account Number 12345678901. Then CD1 is set as 1234567812345678901.
The Portuguese government provides the following factor table:

Digit	Factor
1st	73
2nd	17
3rd	89
4th	38
5th	62
6th	45
7th	53
8th	15
9th	50
10th	5
11th	49
12th	34
13th	81
14th	76
15th	27
16th	90
17th	9
18th	30
19th	3

The nineteen digits of the created check digit (CD1) are multiplied by the associated factor. The multiple sum is then calculated by summing the totals.

Example using the value for CD1:

Digit	Value	Factor	Result
1st	1	73	73
2nd	2	17	34
3rd	3	89	267
4th	4	38	152
5th	5	62	310
6th	6	45	270
7th	7	53	371
8th	8	15	120
9th	1	50	50
10th	2	5	10
11th	3	49	147
12th	4	34	136
13th	5	81	405
14th	6	76	456
15th	7	27	189
16th	8	90	720
17th	9	9	81
18th	0	30	0
19th	1	3	3
Total	N/A	N/A	3794

Divide the result by 97. 3794 / 97 = 39
Derive the remainder. 3794 - (39 * 97) = 11
CD1 is then derived by subtracting the remainder from 97. 97 - 11 = 86. So for this example CD1 = 86
If the calculated value for CD1 isn't the same as the user entered check digit, then the check digit fails the validation. In the given example, unless the user entered check digit's 86, the validation will fail.

Qatar

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 29 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

Reunion

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Romania

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 24 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Saint Barthelemy

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Saint Lucia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 32 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

San Marino

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 27 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

Saint Martin (French Section)

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Saint Pierre and Miquelon

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Saudi Arabia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional If entered, then the length should be a maximum of 4 characters
Branch Number	Optional
Account Number	Mandatory Length should be a maximum of 25 characters.
Check Digit	Optional
IBAN	Optional, if entered the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 24 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

Senegal

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 28 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

Serbia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory.
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length should be 22 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Serbia and Montenegro

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Seychelles

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 31 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

Singapore

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Mandatory Length should be 4 numeric characters.
Branch Number	Mandatory Length should be 3 numeric characters.
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the rules following apply. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Slovakia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 24 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Slovenia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length can't be more than 19 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Spain

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Mandatory Length should be a maximum of 4 numeric characters. If the bank code is less than 4 digits, then it's converted to a 4 digit number by prefixing it with as many leading zeroes as is necessary.
Branch Number	Mandatory Length should be a maximum of 4 numeric characters. If the bank code is less than 4 digits, then it's converted to a 4 digit number by prefixing it with as many leading zeroes as is necessary.
Account Number	Mandatory Length should be 10 numeric characters.
Check Digit	Optional If entered, length should be a maximum of 2 numeric characters. A check algorithm is applied on the Check Digit.
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 24 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Check Algorithm for Check Digit

Two check digits are calculated, CD1 from the Bank Code and Branch Number and CD2 from Account Number in the following manner; these are then used as the basis for the check digit validity test:

CD1

1. For the Bank Code, the Spanish government provides the following factor table:

Digit	Factor
1st	4
2nd	8
3rd	5
4th	10

The four digits of the Bank Code are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using Bank Code '1234':

Multiply each digit with the given factor.

Digit Value Factor Result	Digit Value Factor Result	Digit Value Factor Result	Digit Value Factor Result
1st	1	4	4
2nd	2	8	16
3rd	3	5	15
4th	4	10	40
Total	N/A	N/A	75

So the computed sum for this example is 75.

2. For the Branch Number, the Spanish government provides the following factor table:

Digit	Factor
1st	9
2nd	7
3rd	3
4th	6

The four digits of the Branch Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using Branch Number '5678':

Multiply each digit with the given factor.

Digit	Value	Factor	Result
1st	5	9	45
2nd	6	7	42
3rd	7	3	21
4th	8	6	48
Total	N/A	N/A	156

So the computed sum for this example is 156.

3. The computed sums from both the Bank Code and Branch Number calculations are then summed up. According to the example, it's 75 + 156 = 231.

4. Divide the result by 11.

231 / 11 = 21

5. Derive the remainder

231 - (11 * 21) = 0.

6.CD1 is then derived by subtracting the remainder from 11. If difference is 11, then CD1 is 0 and if difference is 10, then CD1 is 1 11 - 0 = 11. So for this example, CD1 = 11 = 0.

CD2

1. For the Account Number, the Spanish government provides the following factor table:

Digit	Factor
1st	1
2nd	2
3rd	4
4th	8
5th	5
6th	10
7th	9
8th	7
9th	3
10th	6

The ten digits of the bank number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.

Example using account number '1234567890':

Multiply each digit with the given factor.

Digit	Value	Factor	Result
1st	1	1	1
2nd	2	2	4
3rd	3	4	12
4th	4	8	32
5th	5	5	25
6th	6	10	60
7th	7	9	63
8th	8	7	56
9th	9	3	27
10th	0	6	0
Total	N/A	N/A	280

So the computed sum for this example is 280.

2. Divide the result by 11

280 / 11 = 25

3. Derive the remainder.

280 - (11 * 25) = 5

4. CD2 is then derived by subtracting the remainder from 11. 11 - 5 = 6. So for this example CD2 = 6.

Check Digit Validity Test

The value in the user entered check digit field is compared to the calculated CD1 and CD2 using the following checks, if both of the checks are true, then the validation is unsuccessful.

Check	Description
1	CD1 is compared to the first digit of the entered check digit field.
2	CD2 is compared to the second digit of the entered check digit field.

Example of the test using the previously calculated CD1 and CD2:

Where CD1 = 0 and CD2 = 6 and suppose the user entered Check Digit Value is '05'. As CD2 does not match, the check digit's invalid.

Sweden

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional If entered, then the length should be between 4 to 5 numeric characters.
Branch Number	Optional If entered, then the length should be between 4 to 5 numeric characters. If the Bank Code and Branch Number are entered, then both values must match.
Account Number	Mandatory Length should be a maximum of 16 numeric characters.
Check Digit	Optional Length should be a single numeric character.
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 24 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Switzerland

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional If entered, then the length should be between 3 to 5 numeric characters.
Branch Number	Optional If entered, then the length should be between 3 to 9 numeric characters.
Account Number	Mandatory Length should be a maximum of 17 numeric characters.
Check Digit	Optional
Account Type	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 21 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

The Former Yugoslav Republic of Macedonia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed: IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN Length should be 19 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Tunisia

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory.
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length should be 22 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Turkey

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory.
Check Digit	Optional
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed, IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN. Length should be 26 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Ukraine

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional
Branch Number	Optional
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 29 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

United Arab Emirates

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional If entered, the length should be a maximum of 4 characters.
Branch Number	Optional
Account Number	Mandatory Length should be a maximum of 21 characters.
Check Digit	Optional
IBAN	Mandatory The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 23 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters.

United Kingdom

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional If entered, then the length should be 6 numeric characters.
Branch Number	Mandatory it's unique within the country. Length should be a maximum of 6 numeric characters. If the length is less than 6, then it's converted to a 6 digit number by prefixing it with as many leading zeroes as is necessary. This field is labeled as Sort Code.
Account Number	Mandatory Length should be between 7 to 8 characters. If the length is 7 characters, it's converted to 8 characters, by adding a zero as the lead or first character.
Check Digit	Optional
Secondary Account Reference	Optional If entered, length should be a maximum of 18 characters. This field is labeled as Building Society Roll Number.
IBAN	Mandatory If the IBAN isn't entered, a warning message is displayed, IBAN hasn't been entered. This bank account is defined in a country that requires IBAN for payment processing. The modulus-97 rule is used to calculate the validity of the IBAN. Length should be 22 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

United States

Validation Rules

The fields are checked for validity by adopting the following rules:

Field	Rule
Bank Code	Optional.
Branch Number	This field is labeled as Routing Transit Number. Length should be a maximum of 9 numeric characters. If the length is less than 9, then it's converted to a 9 digit number by prefixing it with as many leading zeroes as is necessary. Note that on padding the number to 9 digits, the first 8 digits can't be all zeroes. For example, 001 and 000007 are invalid Routing Transit Numbers because on padding to 9 digits, they become - 000000001, 000000007, and thus having 8 leading zeroes. A check algorithm is applied on the Routing Transit Number.
Account Number	Mandatory
Check Digit	Optional
IBAN	Optional, if entered, the following rules apply. The modulus-97 rule is used to calculate the validity of the IBAN. Length can't be more than 34 characters. Spaces are removed from the left and right. Spaces in the middle aren't removed. The first 2 characters are letters. The third and fourth characters are numbers.

Check Algorithm for Routing Transit Number

The ninth digit of the Number field is used to represent the Check Digit.
A calculated Check Digit's computed from the remaining 8 digits using Modulus 10 algorithm.
Multiply each digit in the Routing Transit Number by a weighting factor. The weighting factors for each digit areas given in the following table:

Digit	1st	2nd	3rd	4th	5th	6th	7th	8th
Factor	3	7	1	3	7	1	3	7

The digits of the Routing Transit Number are multiplied by the associated factor. The computed sum is then calculated by summing the totals.
Subtract the sum from the next highest multiple of 10. The result is the calculated Check Digit. This should be the same as the 9th digit of the Branch Number or Routing Transit Number; otherwise the Branch Number or Routing Transit Number is invalid.

For Example:

Routing Number	0	7	6	4	0	1	2	5	Total
Multiply by	3	7	1	3	7	1	3	7	N/A
Sum	0	49	6	12	0	1	6	35	= 109

So the Check Digit = 1 (110 minus 109).

In this example, the Routing Transit Number 076401251 passes validation.