BankCodeKit

IBAN country format

Portugal IBAN Format, Length and Example

A Portuguese IBAN is 25 characters: PT and 2 international check digits, then a 4-digit bank identifier, 4-digit routing block, 11-digit account number, and 2 national check digits.

Use this guide to understand the IBAN country code for Portugal, its 25-character length, and example formatting. The PT value below is a labeled Portuguese format sample and must not be treated as a confirmed bank account.

Written and maintained by BankCodeKit. Page copy reviewed: .

Bank, routing block, account, and national checks

The PT diagram separates the bank identifier, national routing block, eleven-digit account number, and final national check digits.

Bank, routing block, account, and national checks The PT diagram separates the bank identifier, national routing block, eleven-digit account number, and final national check digits. Synthetic example not obtained from or verified against a real account. 1 PT 1-2 2 50 3-4 3 0002 5-8 4 0123 9-12 5 12345678901 13-23 6 54 24-25
  • 1. Country code 1-2; 2 letters
  • 2. International check digits 3-4; 2 digits
  • 3. Bank identifier 5-8; 4 digits
  • 4. National routing block 9-12; 4 digits
  • 5. Account number 13-23; 11 digits
  • 6. National check digits 24-25; 2 digits

Synthetic PT example, not verified against a real account. The Portugal blocks explain published character positions; they are not a live institution or account lookup.

Key Portugal IBAN details

Country
Portugal
Country code
PT
IBAN length
25 characters
Print format
PT50 0002 0123 1234 5678 9015 4
SEPA status
SEPA country - EU
BBAN structure
Portugal: 21 digits after the country code and check digits: a 4-digit bank identifier, 4-digit national routing block, 11-digit account number, and 2 national check digits.
Does not prove
Real account, owner, bank reachability, or payment success

Four Portuguese routing fields after PT50

The Swift IBAN Registry pattern for this published format is PT2!n4!n4!n11!n2!n. The table for Portugal maps each published segment to the PT50000201231234567890154 example/test value.

Portugal IBAN positions and example segments
Part Positions Swift pattern Example segment
Country code 1-2 2 letters PT
International check digits 3-4 2 digits 50
Bank identifier 5-8 4 digits 0002
National routing block 9-12 4 digits 0123
Account number 13-23 11 digits 12345678901
National check digits 24-25 2 digits 54

This PT breakdown describes visible positions; it does not turn the embedded bank or routing fields into a live Portuguese institution lookup.

Reading the 25-character PT example

The synthetic/test PT value demonstrates the published Portuguese layout. Preserve its label and never treat the sample as a recipient's real payment instruction.

Example/test IBAN
PT50000201231234567890154
Print format example
PT50 0002 0123 1234 5678 9015 4
Digital format example
PT50000201231234567890154

How Portugal divides its twenty-one BBAN digits

  • The value starts with PT, the IBAN country code for Portugal.
  • The next two characters are international check digits.
  • For Portugal, the remaining 21 characters form the country-specific BBAN section: 21 digits after the country code and check digits: a 4-digit bank identifier, 4-digit national routing block, 11-digit account number, and 2 national check digits.
  • Portuguese IBANs include a bank identifier and a separate national routing block inside the 21-digit BBAN summary shown on this page.
  • The final compact value has 25 characters after spaces are removed.

Portugal's bank and national routing blocks

Portugal uses a 25-character IBAN. The Swift IBAN Registry describes the 21-digit Portuguese BBAN as four digits for the bank identifier, a following four-digit block, an eleven-digit account section, and two national check digits. The Registry lists the Azores and Madeira within the SEPA country scope for Portugal. These technical details explain the positions in the IBAN; they do not determine a provider's fees, transfer route, or acceptance for a particular recipient.

For digital entry, remove spaces from the Portuguese print value and confirm that all 25 characters remain. The two national check digits at the end are part of the BBAN and must not be confused with the international check digits after PT. A payment reference or customer number printed beside the IBAN can easily be appended by mistake. Compare the final groups carefully, preserve leading zeros, and then run the whole-value MOD97-10 check. The checker does not reconstruct an account from incomplete national details.

The visible four-digit bank segment is format information rather than a live directory lookup. BankCodeKit does not contact Banco de Portugal, a commercial bank, or a payment network, and it cannot confirm the intended beneficiary. Keep any BIC and invoice reference separate and follow the recipient's exact payment instructions. If account details change, verify them using a known contact method before sending money. A Portuguese IBAN can match the published length, character pattern, and checksum while still being wrong for the invoice or unavailable for the requested transfer.

Keeping the final Portuguese check digits attached

Compare the grouped invoice-style value used for Portugal with the compact PT input produced after presentation spaces are removed.

Input shown on page
PT50 0002 0123 1234 5678 9015 4
Normalized digital value
PT50000201231234567890154
Expected length
25 characters
Result interpretation
A passing PT result means the visible value matched supported Portuguese structure and MOD97 rules, not that the account or payee was verified.

International checksum review around national fields

  • 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.

Routing fields mistaken for payment references

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

When a PT segment map prevents a dropped digit

  • Checking Portuguese invoice details where the bank and national routing blocks are visible in the BBAN.
  • Confirming that the compact PT value has 25 characters before payment-provider review.
  • Use the IBAN Checker after this country reference for Portugal when you need a local MOD97 result for one PT value.

Portugal in the SEPA country list

For Portugal, the local SEPA country reference is: SEPA country - EU. The PT entry provides geographical scope only; participation by a particular Portuguese bank or account must be confirmed separately.

Questions about PT routing and check digits

How long is a Portuguese IBAN?

A Portuguese IBAN has 25 characters.

What country code does a Portuguese IBAN use?

Portuguese IBANs use the country code PT.

Is Portugal listed in SEPA country reference data?

Yes. Portugal is listed in the local SEPA country reference data, but country-level SEPA status does not confirm a specific account or bank can receive a payment.

Does the Portuguese example represent a real account?

No. The example is included only to explain the format and is not confirmed as a real account.

Portugal sources and update note

Public references for Portuguese IBAN structure and national fields are linked below; detailed standard scope, review methods, and licensing boundaries are documented on the Sources and Updates page.

Matching the cited format and reference data for Portuguese IBAN structure and national fields does not confirm account existence, ownership, bank reachability, or payment success. Read the detailed disclaimer.

Reference data reviewed: 2026-08-15 Next scheduled data review: 2026-10-17 Sources: Swift IBAN Registry, European Payments Council SEPA scheme countries list, Banco de Portugal - International Bank Account Number Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network confirmation.