Portugal IBAN Format, Length and Example

How to read this Portugal IBAN

• The value starts with PT, the IBAN country code for Portugal.
• The next two characters are international check digits.
• The remaining 21 characters are the country-specific BBAN section: 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.
• Portuguese IBANs include bank and branch identifier sections inside the 21-digit BBAN summary shown on this page.
• The final compact value has 25 characters after spaces are removed.

Worked example

Use the example below to compare what an invoice might show with what a payment form or validator usually receives after spaces are removed.

Input shown on page

PT50 0002 0123 1234 5678 9015 4

Normalized digital value

PT50000201231234567890154

Expected length

25 characters

Result interpretation

Passing format checks still does not confirm a real account, owner, bank reachability, or payment success.

What the format check reviews

• 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.

Common Portugal IBAN mistakes

• Confusing the bank or branch identifier with a separate payment reference.
• Dropping the final check digits when copying a grouped Portuguese IBAN.

When this page is useful

• Checking Portuguese invoice details where the bank and branch sections are visible in the BBAN.
• Confirming that the compact PT value has 25 characters before payment-provider review.
• Use the IBAN Checker after this page when you need a local checksum result for one value.

What it cannot confirm

• Format checks do not confirm that the account exists or belongs to the intended payee.
• They do not confirm bank reachability, payment readiness, or payment success.
• Use the detailed disclaimer for the full list of non-verified items.

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. It is not a bank, account, sanctions, fraud-risk, or payment-network check.

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

Last reviewed: 2026-06-28 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 confirmation.