Benin IBAN validator
How the IBAN format works
- Format
- BJ + 2 check digits + 2-character bank code + 22 digits (28 chars) — used in practice, not in the official SWIFT IBAN registry
- Example
- BJ64BJ0000000000000000100003
Things to watch for
- Benin is not in the official SWIFT IBAN registry — this 28-character format is used in practice by Beninese banks, not formally standardized by SWIFT/ECBS
- Benin shares its central bank, BCEAO, and the West African CFA franc (XOF) with 7 other West African countries — none of which are in the official SWIFT registry either
- Checks format and checksum only — does not confirm the account exists or is held at a real Beninese bank
^BJ[0-9]{2}[A-Z0-9]{2}[0-9]{22}$A Beninese IBAN-style account number is 28 characters: “BJ”, two check digits, a 2-character bank code, then 22 digits — for example BJ64BJ0000000000000000100003. Benin is not in the official SWIFT/ECBS IBAN registry, but its banking system shares infrastructure with seven neighbors — Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal, and Togo — all regulated by the same central bank, BCEAO (Banque Centrale des États de l’Afrique de l’Ouest), and all using the West African CFA franc (XOF).
That shared central bank is why these eight countries’ formats look so similar in shape: seven of the eight run 28 characters with a 2-character code ahead of a 22-digit account block, differing mainly by country code and, for a few, whether that 2-character block is restricted to letters or can also hold digits.
How this validator works
This tool checks the “BJ” prefix, confirms a 2-character code precedes exactly 22 digits, and then runs the mod-97 checksum (ISO 7064) the number must satisfy. Everything runs in your browser — nothing is sent to a server.
What a pass doesn’t tell you
A pass confirms the 28 characters are internally consistent — not that the account is open or that Benin has formal IBAN registration through SWIFT. This tool does no lookup against BCEAO or any Beninese bank.
Scope: format and mod-97 checksum validation only, for a format used in practice but not SWIFT-registered — not payment processing or proof an account exists.
Content last reviewed 2026-08-10.
IBAN FAQ
Is Benin part of the official IBAN registry?
No. Benin is not in the official SWIFT/ECBS IBAN registry. It's one of eight West African countries whose central bank, BCEAO, has banks issuing a 28-character IBAN-shaped account number that satisfies the standard mod-97 checksum without formal SWIFT backing.
What does a Beninese IBAN-style number look like?
28 characters: 'BJ', two check digits, a 2-character bank code, and 22 digits — for example BJ64BJ0000000000000000100003. That bank-code block can carry letters as well as digits.
Does this tool confirm the account is held at a real Beninese bank?
No. It checks structure and the mod-97 checksum only, entirely client-side. Confirming an account is open requires the account-holder's own bank; this tool contacts none.