Jordan IBAN Format (JO) — Structure, Length & Validator

The Jordan IBAN is 30 characters long and follows the ISO 13616 standard adopted by the Central Bank of Jordan. Jordan was an early adopter of IBANs in the Levant region, making them mandatory for cross-border transfers. Jordan is not a SEPA country — all international transfers use the SWIFT network, and the receiving bank's BIC code is required alongside the IBAN for wire transfers.

Jordan IBAN at a Glance

• Country code: JO
• Total length: 30 characters (always)
• Format: JOkk bbbb nnnn cccccccccccccccccc
• BBAN length: 26 characters
• Character types: 4-letter bank code + 4-digit branch code + 18-digit account number

Jordan IBAN Structure Explained

1. Country Code — JO (2 characters)

The ISO 3166-1 alpha-2 code for Jordan. Every Jordanian IBAN begins with JO.

2. Check Digits — kk (2 digits)

Two decimal digits computed using the MOD-97 algorithm. They detect single-digit and transposition errors before the payment is routed.

3. Bank Code — bbbb (4 letters)

A 4-letter bank identifier derived from the first four characters of the bank's BIC/SWIFT code. Common codes for major Jordanian banks:

• CBJO — Central Bank of Jordan (not used for payments)
• ARAB — Arab Bank
• ARBJ — Arab Banking Corporation — Jordan
• FIBL — First International Bank
• JOKB — Jordan Kuwait Bank

4. Branch Code — nnnn (4 digits)

A 4-digit code identifying the specific branch within the bank. This branch code is embedded within the BBAN and must be preserved exactly — do not zero-pad or truncate.

5. Account Number — cccccccccccccccccc (18 digits)

An 18-digit numeric account number. Jordan uses a longer account field than most Gulf countries, reflecting the depth of the domestic retail banking system.

Jordan IBAN Example Explained

JO94 CBJO 0010 0000 0000 0131 0003 02

• Country: JO
• Check digits: 94
• Bank code: CBJO (Central Bank of Jordan)
• Branch code: 0010
• Account number: 000000000131000302

Second Example — Arab Bank

JO15 ARAB 0200 0000 0012 3456 7891 23

• Country: JO
• Check digits: 15
• Bank code: ARAB (Arab Bank)
• Branch code: 0200
• Account number: 000000001234567891 23

How Jordanian IBAN Validation Works

1. Country code check: First two characters must be exactly JO.
2. Length check: Total character count (spaces removed) must be exactly 30. Jordan shares the 30-character length with Kuwait but has a different internal structure (4-letter + 4-digit branch + 18-digit account vs. Kuwait's 4-letter + 22-character alphanumeric account).
3. Character type check: Positions 5–8 must be uppercase letters (bank code); positions 9–12 must be digits (branch code); positions 13–30 must be digits (account number).
4. MOD-97 check: Rearrange the first four characters to the end, replace each letter with its numeric value (A=10 … Z=35), divide by 97. Remainder must be 1.

The ibanchecker.cash validator validates Jordanian IBANs and displays the bank code and branch information in the result.

Jordan Is Not a SEPA Country

Jordan is not part of SEPA. All international transfers to Jordanian accounts use the SWIFT network. This means:

• Processing times of 1–5 business days
• Correspondent bank fees in addition to sending bank charges
• The BIC/SWIFT code of the Jordanian bank is required alongside the IBAN
• Currency is the Jordanian dinar (JOD) — pegged to the US dollar — with no automated euro conversion at SEPA rates

Look up any Jordanian bank's BIC using the ibanchecker.cash SWIFT directory.

Common Jordanian IBAN Mistakes

Confusing the Branch Code Field

Jordan's IBAN encodes a separate 4-digit branch code at positions 9–12. Some senders mistakenly merge the branch code into the account number, producing a structurally correct 30-character IBAN that fails MOD-97 validation because the numeric values are in the wrong positions.

Wrong Length — 28 or 32 Characters

Jordanian IBANs are exactly 30 characters. Do not confuse with Saudi Arabia (24) or the UAE (23). Count after removing all spaces.

Missing BIC for SWIFT Transfers

International transfers to Jordan require both the IBAN and the bank's BIC. Omitting the BIC causes the payment to be delayed or returned by the correspondent bank.

Validating Jordanian IBANs in Bulk

Finance teams processing Middle East supplier payments can validate Jordanian IBANs alongside Gulf IBANs using the ibanchecker.cash bulk checker. Upload a CSV with up to 100 IBANs and receive per-row validation with bank code, branch, and error details.

Last updated: June 2026