Nicaragua IBAN validator
How the IBAN format works
- Format
- NI + 2 check digits + 4-letter bank code + 20-digit account number (28 chars)
- Example
- NI79BAMC00000000000003123123
Things to watch for
- 28 characters total — the 4-letter bank code comes right after the check digits, before the numeric account
- Checks structure and checksum only, not that the account exists
^NI[0-9]{2}[A-Z]{4}[0-9]{20}$A Nicaraguan IBAN is 28 characters: “NI”, two check digits, a 4-letter bank code, then a 20-digit account number — for example NI79BAMC00000000000003123123. Nicaragua sits alongside Honduras and Costa Rica among Central American countries that assign IBANs, and its format shares its exact block layout with Honduras’s — the same 4-letter-bank-code-plus-20-digit-account shape — while Costa Rica takes a different route entirely, folding everything into an 18-digit numeric block with no letters at all. What sets a genuine Nicaraguan IBAN apart isn’t the shape but the substance: bank codes issued by Nicaraguan institutions, denominated in córdobas, and regulated by the Central Bank of Nicaragua (BCN) rather than Honduras’s BCH.
How this validator works
This tool checks for the “NI” prefix, confirms the bank code is exactly 4 letters and the account number is exactly 20 digits, then runs the mod-97 checksum (ISO 7064) a correctly generated Nicaraguan IBAN must satisfy — entirely in your browser, with nothing sent to a server and no signup required.
What a pass doesn’t tell you
A pass confirms the 28 characters are correctly structured and internally consistent — not that the account is open, active, or belongs to whoever you intend to pay. This tool does no lookup against BCN or any Nicaraguan commercial bank. If a Nicaraguan IBAN fails, recheck the 20-digit account block digit by digit against the source document — it’s the longest single segment in the string.
Scope: Nicaraguan IBAN structure and mod-97 checksum validation only — not payment processing or confirmation an account is active. Catch the typo here; confirm the account with the bank.
Content last reviewed 2026-08-09.
IBAN FAQ
What does a Nicaraguan IBAN look like?
28 characters: 'NI', two check digits, a 4-letter bank code, and a 20-digit account number, for example NI79BAMC00000000000003123123.
Is Nicaragua's IBAN the same shape as its neighbor Honduras's?
Yes — both run 28 characters with the same 2-check-digit + 4-letter-bank-code + 20-digit-account layout. What differs is the substance behind it: a different currency (córdoba, not lempira), a different central bank (BCN, not BCH), and a different set of bank-code letters, so the two are only alike in shape, not in the actual codes issued.
Does this tool confirm a Nicaraguan account is active?
No. It checks structure and the mod-97 checksum only, entirely client-side. Confirming an account is open or active requires the account-holder's bank or the Central Bank of Nicaragua (BCN).