Somalia IBAN validator

A Somali IBAN is 23 characters, entirely numeric: “SO”, two check digits, a 4-digit bank code, a 3-digit branch code, and a 12-digit account number. Somalia’s formal banking sector has spent recent years rebuilding after decades of conflict, and for everyday domestic transactions, mobile money is far more commonly used across the country than traditional bank transfers — so a full IBAN like this one tends to matter most for international transfers, correspondent banking, and dealings with the smaller number of licensed commercial banks operating under the Central Bank of Somalia. Structurally, Somalia’s format lands close to Timor-Leste’s and Libya’s, all three built from a short bank-and-branch identifier followed by a longer numeric account number, though the exact split of digits differs between all three.

How this validator works

This tool checks the “SO” prefix and confirms all 21 remaining characters are digits, split into a 4-digit bank code, 3-digit branch code, and 12-digit account number, then runs the mod-97 checksum (ISO 7064) — entirely in your browser, nothing sent to a server.

What a pass doesn’t tell you

A pass confirms the 23 digits are correctly structured and internally consistent — not that the account is open or belongs to whoever you expect. This tool does no lookup against the Central Bank of Somalia or any commercial bank there. If a Somali IBAN fails, check the boundary between the 4-digit bank code and 3-digit branch code first — two short, similarly sized numeric blocks next to each other are where digits most often get miscounted.

Scope: Somali IBAN structure and mod-97 checksum validation only — not payment processing or confirmation an account is active. Use it to catch a typo before a transfer fails.

Content last reviewed 2026-07-23.