Saudi & UAE IBAN Validator

Why IBAN Validation Matters for Payroll (WPS)

In Saudi Arabia and UAE, the Wage Protection System (WPS) requires accurate IBANs for all employees. Bank transfers with invalid IBANs are rejected, often leading to fines, delayed salaries, and administrative headaches.

How Our Validator Works

This tool goes beyond simple format checking. It uses a two-step verification process:

1. MOD-97 Checksum: We use the official ISO 7064 algorithm to mathematically verify that the IBAN is valid and contains no typos.
2. Bank Identification: We analyze the specific digits in the IBAN that represent the bank code to tell you exactly which bank the account belongs to (e.g., Al Rajhi, SNB, Mashreq).

IBAN Formats

• Saudi Arabia (SA): Starts with 'SA' followed by 22 digits (Total 24 characters).
• UAE (AE): Starts with 'AE' followed by 21 digits (Total 23 characters).

How to Validate an IBAN Number (MOD-97, Step by Step)

If you searched for how to validate an IBAN, this is the exact sequence used by banks and payroll systems. You can use it for single accounts, salary uploads, and pre-WPS checks.

1. Normalize input: remove spaces and convert to uppercase.
2. Check country + length: Saudi IBAN = 24 characters, UAE IBAN = 23 characters.
3. Rearrange: move the first 4 characters to the end of the IBAN.
4. Convert letters: replace A-Z with 10-35.
5. Apply MOD-97: divide by 97 and confirm the remainder is exactly 1.
6. Confirm bank mapping: verify the bank code matches the expected destination bank.

For finance teams, the best workflow is validating at three points: employee onboarding, monthly payroll preparation, and immediately before generating the final payment file.