Turkish IBAN — format, length, example & validator

How a Turkish IBAN is structured

A Turkey IBAN is read left to right in three blocks. The first two characters are the ISO 3166 country code TR, which tells the receiving bank the account is in Turkey. The next two characters are MOD 97-10 check digits that protect against typos. The remaining 22 characters form the BBAN (Basic Bank Account Number), which Turkey splits into 3 fields: 5 digits, then 1 character, then 16 characters. Because the BBAN layout is fixed for Turkey, the validator can check both the total length (26 characters) and the internal structure of every TR IBAN.

Turkish IBAN example

Below is a sample Turkey IBAN that passes all three validation layers (character set, 26-character length, and MOD 97 check digits). It is a synthetic test value for integration testing and form demos — never send money to it. The breakdown shows how the TR country code, check digits, and BBAN fields fit together for a real Turkey account.

Common Turkish banks and IBAN format examples

Bank names and BICs help you identify the receiving institution, but they do not change the national IBAN layout. A Turkish IBAN always has 26 characters and follows 5!n1!c16!c; the bank identifier is embedded in the first BBAN field shown in the table below. The three commonly encountered banks listed here are useful starting points when you are checking payment instructions: Akbank, Garanti BBVA, Turkiye Is Bankasi. Always copy the exact IBAN and BIC supplied by the beneficiary, because a bank can use different codes for its head office, a regional office, or a specialist payment branch. The examples are deliberately synthetic format fixtures. TR330006100519786457841326 demonstrates the country length and checksum, but it is not an account at Akbank or any other bank. A real Turkish IBAN example must come from the account holder or the bank's own statement. Never infer an account number by combining a public BIC with random digits: that can pass a mathematical checksum while still pointing to no account, or to the wrong beneficiary. When a payment form asks for a Turkish IBAN, enter the two-letter country prefix and check digits exactly as issued, remove display spaces if the form requires a continuous value, and verify the beneficiary name. Compare the total length (26) and the BBAN field boundaries with the pattern on this page. If the receiving bank gives you an 8-character BIC, do not append a branch suffix yourself; if it gives an 11-character BIC, preserve all three branch characters. For high-value transfers, ask the bank to confirm whether it wants a head-office BIC or a branch-specific BIC before submitting the wire. The most common Turkish formatting traps are copying a domestic account number instead of the IBAN, dropping leading zeroes in a bank or account field, and mistaking a visually similar country prefix. Spaces are harmless when this site's checker cleans input, but they may count as characters in older payment portals. A structurally valid result only proves the ISO 13616 format and MOD 97 check digits; it does not prove that the account exists or that the beneficiary details are correct. Validate first, then confirm the full payment instruction with the recipient's bank.

For an inbound international transfer, request four pieces of information from the beneficiary: the legal account name, the complete Turkish IBAN, the receiving bank's BIC/SWIFT code, and the bank's address if the sending portal asks for it. Start by validating the IBAN without changing any characters. The first two letters must be TR; the next two digits are check digits, not part of the domestic account number. Then compare the 26-character length and the BBAN fields. A payment can be rejected when a sender enters a domestic clearing code in the IBAN field, leaves out a leading zero, or pastes a BIC into the account-number field. If the form offers separate fields for bank code, branch code, and account number, follow the bank's instructions rather than splitting the IBAN by guesswork. The pattern 5!n1!c16!c is a validation guide, not permission to manufacture account data. Some banks route international payments through a central office even when the beneficiary uses a local branch; others require a branch-specific BIC. Confirm the routing choice with the recipient before sending, and keep a copy of the submitted value so support staff can trace a rejected transfer. For recurring payments, store the normalized IBAN (uppercase letters, no spaces) and display it in groups of four for humans. Revalidate after any edit, because one changed character alters the MOD 97 remainder. If the checker reports a valid result but the bank rejects the transfer, contact the bank: format validation cannot see sanctions screening, account status, currency restrictions, name matching, or correspondent-bank requirements. These operational checks are why a careful payment workflow uses both an IBAN checker and the bank's official instructions.

Turkish IBAN format — 26 characters, block by block

A Turkish IBAN is always 26 characters and follows the structure TR + 2 check + 5 bank + 1 reserved + 16 account. In the human-readable grouping defined by ISO 13616 it looks like TRXX 0000 6XXX XXXX XXXX XXXX XX — four-character blocks separated by spaces, with the last block holding the final two characters. The spaces are presentation only; the stored IBAN is 26 characters with no spaces.

Turkish IBAN examples for the top 4 banks

The five-digit bank code at positions 5–9 of a Turkish IBAN tells you which bank holds the account. The table below gives a MOD 97-valid sample IBAN for each of Turkey's four largest banks, alongside the bank's SWIFT/BIC code. Use these for payment-form tests and demos — they are synthetic and do not map to real accounts.

⚠️ These are synthetic test IBANs that pass MOD 97 but do not belong to any real account. Never send money to them.

Common Turkish IBAN mistakes (the 24 vs 26 myth)

The single most common mistake with Turkish IBANs is miscounting the length as 24 characters. A Turkish IBAN is 26 characters, not 24. The confusion usually comes from dropping the two MOD 97 check digits at positions 3–4, or from comparing against a 24-character IBAN from another country (for example, no major IBAN country uses exactly 24, but several use 22 or 23, which adds to the confusion). If a form rejects a Turkish IBAN for being the wrong length, count again — it should be 26.

• Length is 26, not 24. The structure is TR + 2 check + 5 bank + 1 reserved + 16 account = 26. Dropping the check digits or the reserved character is what makes people think it is 24.
• Spaces don't count. The human-readable grouping TRXX 0000 6XXX XXXX XXXX XXXX XX contains spaces for readability; the real IBAN stored and validated is 26 characters with no spaces.
• Country code is TR, not TK. TK is the deprecated ISO 3166 code for Tokelau; Turkey has always been TR in IBAN.
• The reserved character is 0. Position 10 is currently always 0; do not put a 1 or a bank-specific digit there — it will fail validation.
• Bank code is 5 digits, not 4. The bank code at positions 5–9 is five digits (e.g. 00061 for Ziraat); a 4-digit domestic branch code is a different identifier and does not belong in the IBAN.

How Turkish IBAN check digits work

The two check digits at positions 3–4 of a Turkey IBAN are computed with the MOD 97-10 algorithm defined by ISO 13616. To verify them, the IBAN is rearranged so the BBAN comes first and the country code plus check digits go last, letters are converted to numbers (A = 10, B = 11, …, Z = 35), and the resulting large integer is divided by 97. A valid TR IBAN always leaves a remainder of 1. This single check catches every single-digit typo and most adjacent-digit swaps, which is why a one-character mistake is enough to make a Turkey IBAN fail validation instantly — and why you should always validate before wiring money.

Turkish IBAN and SWIFT codes

To receive an international wire into Turkey, the sender usually needs both your IBAN and the SWIFT/BIC code of your bank. The IBAN identifies your account; the SWIFT code identifies the bank. Once you have validated your TR IBAN on this page, look up the receiving bank's SWIFT code on the Turkey SWIFT codes page to complete the wire instructions.

Turkish IBAN FAQ

How long is a Turkey IBAN?

A Turkey IBAN is always 26 characters long: 2 letters for the country code (TR), 2 MOD 97 check digits, and a 22-character BBAN. Any Turkey IBAN that is shorter or longer than 26 characters is invalid.

What country code does a Turkey IBAN start with?

A Turkey IBAN starts with the ISO 3166 country code TR. The first two characters are always TR, followed by two check digits, then the country-specific BBAN.

How do I validate a Turkey IBAN?

Paste the IBAN into the validator on this page — it checks the character set, the 26-character length, and the MOD 97 check digits, all in your browser. You can also load the worked example to see a valid TR IBAN pre-filled.

Does a valid Turkey IBAN mean the account exists?

No. Validation only confirms the IBAN is structurally well-formed and the check digits are correct per ISO 13616. It does not verify the account exists, is open, or belongs to anyone. Always confirm with the recipient or their bank before sending money.

What is the BBAN structure for Turkey?

The Turkey BBAN is 22 characters and follows the ISO 13616 pattern 5!n1!c16!c: 5 digits (0–9), then 1 character (A–Z, 0–9), then 16 characters (A–Z, 0–9). The BBAN layout is fixed for Turkey, so the validator can check the internal structure of every TR IBAN, not just the total length.

Do I need a SWIFT code as well as an IBAN for Turkey?

For most cross-border transfers into Turkey you need both: the IBAN identifies the account, and the SWIFT/BIC code identifies the bank. Validate the TR IBAN here, then look up the bank's SWIFT code separately.