Tunisia IBAN Format (TN) — Structure, Length & Example

The Tunisia IBAN is 24 characters long and follows the ISO 13616 standard adopted by the Banque Centrale de Tunisie (BCT). Tunisia's IBAN format includes a pair of domestic check digits embedded within the BBAN, reflecting the country's French-influenced banking heritage. Tunisia is not a SEPA country — all international transfers use the SWIFT network, and the BIC code of the Tunisian bank is required alongside the IBAN.

Tunisia IBAN at a Glance

• Country code: TN
• Total length: 24 characters (always)
• Format: TNkk bb bbb ccccccccccccc nn
• BBAN length: 20 characters
• Character types: 2-digit bank code + 3-digit branch code + 13-digit account number + 2-digit national check key (all numeric)

Tunisia IBAN Structure Explained

1. Country Code — TN (2 characters)

The ISO 3166-1 alpha-2 code for Tunisia. Every Tunisian IBAN begins with TN.

2. Check Digits — kk (2 digits)

Two decimal digits calculated using the MOD-97 algorithm (ISO 7064). They verify the IBAN's mathematical consistency and detect single-digit and transposition errors.

3. Bank Code — bb (2 digits)

A 2-digit numeric code identifying the Tunisian bank. Major codes include:

• 10 — Société Tunisienne de Banque (STB), largest state-owned bank
• 03 — Banque Nationale Agricole (BNA)
• 08 — Banque Internationale Arabe de Tunisie (BIAT), largest private bank
• 07 — Amen Bank
• 11 — Attijari Bank Tunisia (Société Générale subsidiary)
• 14 — Banque de l'Habitat (BH Bank)

4. Branch Code — bbb (3 digits)

A 3-digit numeric branch code identifying the specific bank branch. This mirrors the French banking tradition of including the branch (guichet) code as a distinct IBAN field.

5. Account Number — ccccccccccccc (13 digits)

A 13-digit numeric account number. This field may include leading zeros when the domestic account number is shorter than 13 digits.

6. National Check Key — nn (2 digits)

Two domestic check digits appended at the end of the BBAN. These are computed using a modulo-97 algorithm applied to the bank code, branch code, and account number — analogous to the French Clé RIB. Both the IBAN check digits (positions 3–4) and these national check digits must be valid for the IBAN to be correct.

Tunisia IBAN Example Explained

TN59 1000 2100 1234 5678 9056

• Country: TN
• Check digits: 59
• Bank code: 10 (Société Tunisienne de Banque)
• Branch code: 002
• Account number: 1001234567890
• National check key: 56

This is an illustrative example. Validate a real Tunisian IBAN using the ibanchecker.cash validator before initiating a payment.

How Tunisian IBAN Validation Works

1. Country code check: First two characters must be exactly TN.
2. Length check: Total character count (spaces removed) must be exactly 24.
3. Character type check: All 20 BBAN characters must be decimal digits — the entire BBAN is numeric, including the national check key.
4. MOD-97 check: Move the first four characters to the end, replace each letter with its numeric value (T=29, N=23), compute the number modulo 97. A valid IBAN always yields a remainder of 1.

Tunisia's Banking Sector

Tunisia's banking sector is one of the most developed in North Africa, regulated by the Banque Centrale de Tunisie. The sector includes three state-owned commercial banks (STB, BNA, and Banque de l'Habitat), two development banks, and around fourteen private banks. BIAT (Banque Internationale Arabe de Tunisie) is the largest private bank and consistently ranks among the most profitable banks in the Maghreb region.

Tunisia has a strong tradition of French-style banking inherited from the colonial era, which explains the structural similarity between the Tunisian IBAN BBAN and the French RIB format, including the domestic check key. Use the ibanchecker.cash RIB-to-IBAN converter to understand similar French-influenced account structures.

Tunisia Is Not a SEPA Country

Tunisia is not part of SEPA. All international transfers to Tunisian accounts travel via the SWIFT network. Key considerations:

• Processing times of 1–4 business days
• Both the IBAN and the bank's BIC/SWIFT code are required
• Currency is the Tunisian dinar (TND), which is not freely convertible
• Tunisia's central bank imposes foreign exchange controls; large transfers may require documentation of purpose from the receiving bank

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

Common Tunisian IBAN Mistakes

Forgetting the National Check Key

A common error is omitting the 2-digit national check key at the end of the BBAN, producing a 22-character IBAN instead of the required 24. The check key is mandatory — without it the IBAN is structurally invalid regardless of the check digits at positions 3–4.

Wrong Length

Tunisian IBANs are exactly 24 characters — not 22 (as commonly seen in truncated entries) or 27 (the length of French or Italian IBANs). Always remove spaces and count before submitting.

Spaces in Electronic Submission

Remove all spaces when submitting electronically: TN591000210012345678905​6.

Validating Tunisian IBANs

Finance teams paying Tunisian exporters, service providers, or employees can validate IBANs before submission using the ibanchecker.cash IBAN checker. For finance teams processing large batches of North African supplier payments, the bulk IBAN checker handles up to 100 IBANs per upload.

Last updated: June 2026