IBAN country format
Portugal IBAN Format, Length and Example
Use this guide to understand the IBAN country code for Portugal, expected length, and example formatting. Examples are for education and testing only; they are not verified as real bank accounts.
Key Portugal IBAN details
- Country
- Portugal
- Country code
- PT
- IBAN length
- 25 characters
- SEPA status
- SEPA country - EU
- BBAN structure
- 21 digits after the country code and check digits: a 4-digit bank identifier, 4-digit branch identifier, 11-digit account number, and 2 check digits.
Portugal IBAN example
This is marked as an example/test value for showing the expected format. It must not be treated as a real account or payment instruction.
- Example/test IBAN
- PT50000201231234567890154
- Print format example
- PT50 0002 0123 1234 5678 9015 4
- Digital format example
- PT50000201231234567890154
What the format check verifies
- Whether the IBAN starts with the PT country code.
- Whether the IBAN has 25 characters after normalization.
- Whether the value uses allowed letters and digits.
- Whether the MOD97-10 checksum is valid.
What it does not verify
- It does not confirm that the bank account exists.
- It does not confirm account ownership.
- It does not confirm bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
- It does not replace verification with your bank or payee.
Portugal SEPA context
The local SEPA country reference data lists this country as: SEPA country - EU. Country-level SEPA status does not confirm that a specific bank or account can receive a payment.
Limitation note
This page explains IBAN format rules only and does not confirm account existence, account ownership, payment readiness, or payment success.
Before using this IBAN format for payment
A structurally valid IBAN can still be wrong for a real transfer. Always verify payment details with the invoice issuer, recipient, bank, or payment provider before sending money.
FAQ
How long is a Portuguese IBAN?
A Portuguese IBAN has 25 characters.
What country code does a Portuguese IBAN use?
Portuguese IBANs use the country code PT.
Is Portugal listed in SEPA country reference data?
Yes. Portugal is listed in the local SEPA country reference data, but country-level SEPA status does not confirm a specific account or bank can receive a payment.
Is the Portuguese example verified as a real account?
No. The example is included only to explain the format and is not verified as a real account.
Sources and update note
BankCodeKit keeps payment-code checks browser-local and uses local reference data for format and country information. Official public source pages are used for reference, but BankCodeKit does not perform live bank, account, sanctions, or payment-network verification. Reference data is reviewed periodically and does not imply live accuracy.
- Swift IBAN Registry Reference information for IBAN structure, country support, and format rules.
- Swift BIC / ISO 9362 information Reference information for visible Business Identifier Code structure and usage context.
- European Payments Council SEPA scheme countries list Reference information for countries and territories in SEPA scheme scope. Local data reviewed 2026-05-16 against EPC List of SEPA Scheme Countries v8.0, issued 2025-12-24.
BankCodeKit validates format and reference data only. It does not confirm account existence, account ownership, bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
Last reviewed: 2026-05-15 Sources: Swift IBAN Registry, European Payments Council SEPA scheme countries list Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network verification.