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IBAN Structure Nicaragua

Last reviewed: · Source: ISO 13616 / SWIFT IBAN Registry

Nicaragua's IBAN has 28 characters in the format NIkk BBBB BBBB BBBB BBBB BBBB BBBB. After the country code NI and the check digits come a 4-letter bank code and the 20-digit account number. Nicaragua is not a SEPA participant. The currency is the córdoba (NIO). For international payments, routing details, fees and timing depend on the banks, currency and route; check them in advance with your bank. The 4-letter bank code corresponds to a short code of the account-holding Nicaraguan bank. Nicaragua is among the Central American countries that have introduced the IBAN in domestic payments.

Structural fields are based on the official SWIFT IBAN Registry. The editorial method and validation boundary are documented on our German editorial page (German).

Overview

CountryNicaragua (NI)
IBAN length28 characters
FormatNIkk BBBB BBBB BBBB BBBB BBBB BBBB

Visual breakdown

Fictitious format example, not payment data:

NI45BAPR00000013000003558124
Country codeCheck digitsBank codeAccount number

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeNI2NI for Nicaragua (ISO 3166-1)
Check digits452Two check digits per MOD-97
Bank codeBAPR44-letter bank code
Account number000000130000035581242020-digit account number

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Frequently asked questions

How do I check the length of an IBAN from Nicaragua?
Remove spaces and count 28 characters. The first two characters are NI; the remaining positions follow NIkk BBBB BBBB BBBB BBBB BBBB BBBB. A different length is formally invalid for this country format.
What do the check digits in a Nicaragua IBAN mean?
The two check digits are calculated from the complete IBAN using ISO 7064 MOD-97. They help detect format and transcription errors. A passing checksum does not confirm that an account exists or identify its account holder.
What should I do when an IBAN is formally invalid?
Check the country code, character count, letters and digits, and the check digits. Compare the entry with your bank records or ask the bank for the correct IBAN. This checker validates structure and checksum; it does not verify account ownership or payment approval.

IBAN structure for other countries

Germany

22 characters · DEkk BBBB BBBB CCCC CCCC CC

Austria

20 characters · ATkk BBBB BCCC CCCC CCCC

Switzerland

21 characters · CHkk BBBB BCCC CCCC CCCC C

Liechtenstein

21 characters · LIkk BBBB BCCC CCCC CCCC C

France

27 characters · FRkk BBBB BGGG GGCC CCCC CCCC CKK

Spain

24 characters · ESkk BBBB GGGG KKCC CCCC CCCC

Italy

27 characters · ITkk XBBB BBGG GGGC CCCC CCCC CCC

Portugal

25 characters · PTkk BBBB SSSS CCCC CCCC CCCK K