Ukraine IBAN Format (UA) — Structure, Length & Example

The Ukrainian IBAN is a 29-character code — the longest IBAN in Eastern Europe and one of the longest in the IBAN registry. Ukraine adopted the IBAN standard in 2019, replacing its legacy domestic account number format. The UA BBAN encodes a 6-digit bank code (the Ukrainian MFO inter-bank routing code) followed by a 19-digit account number, giving Ukraine its distinctive 25-character BBAN and 29-character total length.

Ukrainian IBAN at a Glance

• Country code: UA
• Total length: 29 characters (always)
• Format: UAkk bbbbbb ccccccccccccccccccc
• BBAN length: 25 characters
• Currency: Ukrainian Hryvnia (UAH)
• SEPA member: No

Ukrainian IBAN Structure Explained

A Ukrainian IBAN encodes four components within its 29-character body:

1. Country Code — UA (2 characters)

The ISO 3166-1 alpha-2 code for Ukraine. Every Ukrainian IBAN begins with UA.

2. Check Digits — kk (2 digits)

Two decimal digits calculated via the MOD-97 algorithm over the full BBAN. They detect single-character transcription errors and transpositions in either the MFO bank code or the account number.

3. MFO Bank Code — bbbbbb (6 digits)

A 6-digit numeric code known as the MFO (міжбанківський фінансовий обіг — inter-bank financial routing code). This is Ukraine's domestic bank routing number, equivalent in function to Germany's Bankleitzahl or the UK's Sort Code. Every licensed Ukrainian bank and branch has a unique MFO code assigned by the National Bank of Ukraine (NBU). Common MFO codes:

• 322313 — PrivatBank (largest retail bank in Ukraine)
• 351533 — Oschadbank (state savings bank)
• 300346 — Ukreximbank (state export-import bank)
• 380805 — Raiffeisen Bank Aval
• 305299 — OTP Bank Ukraine

4. Account Number — ccccccccccccccccccc (19 digits)

A 19-digit numeric account number assigned by the bank. The account number contains only digits and includes the customer's current account, deposit account, or loan account identifier. The 19-digit length reflects Ukraine's legacy domestic account numbering system, which was directly incorporated into the IBAN structure during the 2019 transition.

Real Ukrainian IBAN Example

UA21 3223 1300 0002 6007 2335 6600 1

• Country: UA
• Check digits: 21
• MFO bank code: 322313 (PrivatBank)
• Account number: 0000026007233566001

Electronic format (no spaces): UA213223130000026007233566001

This is a specimen IBAN for illustrative purposes only. Validate any real Ukrainian IBAN with the ibanchecker.cash validator.

How Ukrainian IBAN Validation Works

1. Country code: First two characters must be UA.
2. Length: Exactly 29 characters after removing spaces.
3. All-numeric BBAN: All 25 BBAN characters (MFO + account) are decimal digits — no letters anywhere in the BBAN.
4. MOD-97: Rearrange the first four characters to the end, convert letters to numbers (U=30, A=10), compute modulo 97. Result must equal 1.

The ibanchecker.cash validator performs all four checks and decodes the MFO bank code and account number for any Ukrainian IBAN.

Ukraine's 2019 IBAN Transition

Ukraine mandated IBAN adoption on 5 August 2019, replacing the legacy domestic account number format that had been in use since the 1990s. All Ukrainian banks were required to issue IBAN-format account numbers to their customers by that date. The transition was managed by the National Bank of Ukraine (NBU) and brought Ukraine's payment infrastructure into conformity with the SWIFT IBAN Registry.

The old format — a 14-digit domestic account number combined with the 6-digit MFO — was directly converted into the 25-character BBAN structure, with leading zeros added to the account number where necessary to reach 19 digits. This means the MFO that banks and businesses already knew became the first 6 characters of every Ukrainian BBAN.

Ukraine's Banking System

The National Bank of Ukraine (NBU) — Національний банк України — is headquartered in Kyiv and is the central bank, monetary authority, and banking regulator. The NBU has undertaken extensive reforms since 2014, eliminating more than 90 insolvent banks and strengthening capital requirements for remaining institutions.

Key commercial banks include:

• PrivatBank — the largest bank by customers and retail deposits, state-owned since its nationalisation in December 2016; operates the country's dominant mobile banking app Privat24
• Oschadbank — state-owned savings bank with the widest branch network in Ukraine, serving pensioners and rural populations
• Ukreximbank — state export-import bank, focusing on trade finance and corporate lending
• Raiffeisen Bank Aval — largest privately owned bank, subsidiary of Raiffeisen Bank International
• OTP Bank Ukraine — subsidiary of OTP Group (Hungary)
• Ukrsibbank — subsidiary of BNP Paribas Group (France)
• monobank — mobile-only bank issued by Universal Bank, the most popular fintech banking product in Ukraine

Look up Ukrainian bank SWIFT/BIC codes using the ibanchecker.cash SWIFT directory.

SEPA Status and International Transfers

Ukraine is not a SEPA member. All cross-border payments require an international SWIFT wire transfer, and both the IBAN and the BIC are mandatory. Ukraine was granted EU candidate status in June 2022. Payment infrastructure alignment with EU standards is advancing, including adoption of ISO 20022 messaging, but formal SEPA accession had not occurred as of 2026.

The Ukrainian Hryvnia (UAH) is a freely floating currency subject to National Bank of Ukraine interventions. Currency conversion charges apply to EUR, USD, and GBP transfers to Ukrainian accounts.

Humanitarian Transfers and IBAN Accuracy

Since 2022, international humanitarian organisations and individual donors have transferred substantial funds to Ukraine. IBAN accuracy is especially critical for these transfers: a single transposed digit in the 29-character UA IBAN can misdirect a payment to a different account or cause a failed transaction. Always verify a Ukrainian IBAN with the ibanchecker.cash validator before submitting a wire transfer instruction.

Common Ukrainian IBAN Mistakes

29 Characters, Not 28 or 30

Ukraine's IBAN is exactly 29 characters — an odd number that surprises many systems designed for 28-character (Albania, Azerbaijan) or 30-character IBANs. Any UA IBAN that is 28 or 30 characters is structurally invalid.

Using the Old Domestic Account Format

Before August 2019, Ukrainian bank statements showed a 14-digit account number alongside a 6-digit MFO code. This legacy format is no longer valid for international transfers. If you receive a Ukrainian account number without the UA country code and check digits, ask for the full 29-character IBAN.

Confusing UA with AE (UAE)

UA (Ukraine) and AE (United Arab Emirates) share no common letters, but the visual similarity of "UA" and "AE" in some fonts causes copy-paste errors. UAE IBANs are 23 characters; Ukrainian IBANs are 29 characters — the length makes them impossible to confuse programmatically.

Validating Ukrainian IBANs in Bulk

NGOs, payroll processors, and businesses with Ukrainian employees or contractors can validate multiple IBANs simultaneously with the ibanchecker.cash bulk checker. Upload a CSV with up to 100 IBANs for instant validation, MFO bank code lookup, and BIC identification.

Last updated: June 2026