Poland IBAN validator

A Polish IBAN is 28 characters, entirely numeric after the country code: “PL”, two check digits, an 8-digit combined bank/branch identifier, and a 16-digit account number. That 8-digit block is longer than the separate bank and branch codes many other countries use, because Polish banks already numbered branches within a single combined identifier under the domestic system before IBAN existed — the IBAN simply keeps that block intact rather than re-splitting it. Anyone paying a Polish supplier, invoicing a client based in Poland, or filling in a SEPA transfer form needs all 26 digits after “PL” lined up correctly, with no letters anywhere to help catch a misplaced boundary.

How this validator works

This tool checks the “PL” prefix, confirms the bank/branch block is 8 digits and the account-number block is 16 digits, then runs the real mod-97 checksum (ISO 7064) Polish banks use to generate a valid IBAN — entirely in your browser, nothing sent to a server, no signup, result as you type.

What a pass doesn’t tell you

A pass confirms the 28 characters are correctly formed and internally consistent — not that the account exists, is open, or belongs to whoever you expect. This tool doesn’t resolve the bank/branch code to an institution name and never contacts a bank or Narodowy Bank Polski. If a Polish IBAN fails, check the boundary between the 8-digit bank/branch block and the 16-digit account number first — since both are plain digit runs with no visual separator in the raw IBAN, it’s easy to shift a digit across that line when copying by hand.

Scope: Polish IBAN structure and mod-97 checksum validation only — not payment processing, bank-name lookup, or confirming an account is active, none of which a client-side check can establish. Use this validator to catch a typo before a transfer fails; use your bank to confirm the account itself.

Content last reviewed 2026-07-07.