IBAN format and checksum validator (Ukraine)

The Ukrainian IBAN consists of 29 characters: the country code UA, two check digits, the bank's six-digit MFO code and 19 digits of the account number. It follows the ISO 13616 standard.

UAxx XXXXX XXXXXXXXXXXXXXXXX — 29 characters: UA + 2 check digits + MFO (6) + account (19)

The tool checks only the IBAN format, length and MOD-97 checksum; it does not confirm that the account exists, identify a bank, or verify NBU status.

Take the sample UA21 3223 1300 0002 6007 2335 6600 1. It is a teaching example: it passes the checksum test, but that does not mean such an account exists. The number has four parts:

UA — country code

21 — two check digits

322313 — MFO, the six-digit bank code in the National Bank of Ukraine system

0000026007233566001 — account number, 19 digits

The account number always takes 19 characters. If the internal number is shorter, it is padded with zeros on the left, so leading zeros are part of the account and must not be dropped. The total is exactly 29 characters.

The tool runs the same check you can do by hand:

1. Remove the spaces and convert the letters to uppercase.

2. Move the first four characters (UA and the two check digits) to the end.

3. Replace letters with numbers: A = 10, B = 11 … Z = 35. UA becomes 3010.

4. Divide the resulting long number by 97. If the remainder is 1, the checksum is correct.

For our example the string becomes 3223130000026007233566001301021, and the remainder of dividing it by 97 is 1.

This check catches any single wrong digit and any swap of two adjacent digits. It cannot confirm that an account exists, though: someone else’s IBAN that is valid in form passes too. Before sending a large payment, confirm the details with the recipient.

The tool does not identify the bank from the MFO code (you can look the bank up in the directory on the National Bank of Ukraine website) and does not send what you type anywhere: the calculation runs in your browser.

Letter O instead of zero. After UA only digits are allowed. The tool will say it needs UA followed by 27 digits.

Lost leading zeros in the account number. An IBAN must be exactly 29 characters; if characters are missing, the tool shows how many you entered.

Extra characters from copying. The tool removes spaces itself, but hyphens and other symbols must be deleted. Lowercase letters are fine: they are converted to uppercase.

An IBAN from another country. Only Ukrainian numbers are checked, so a number that does not start with UA is rejected.