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* The IBAN generation is based on the account number entered.
* Ahli United Bank will not be held liable for any damage or loss of any nature resulting directly or indirectly from entering an incorrect or an invalid account number.

International Bank Account Number (IBAN) - in the State of Kuwait

New standard for the local and international electronic fund transfers

An Overview of IBAN:

In compliance with the Central Bank of Kuwait, all the banks operating in the State of Kuwait are introducing the
IBAN – “International Bank Account Number”, the new internationally recognized bank account format for faster, error-free fund transfers, with effect from 1st January 2011.

The IBAN for Kuwait consists of 30 characters which contains the country code ‘KW’, check digit number (2 digits), Bank code (BKME) and the basic account number (the existing 8 digits account number preceded by 14 zeros). The check digits are calculated according to “ISO/IEC 7064 (Mod 97-10)”.

Eg: KWXX BKME 0000 0000 0000 00XX XXXX XX

  • IBAN is a format reference for the transfer of funds; it is not a new account number.
  • The existing account number for our customers will remain the same and will not be changed.
  • Additional characters will appear in front of the existing account numbers.
  • The 30 characters long IBAN for Kuwait is made up of the Country code, Check digit, Bank Code and a 22 digit basic account number (existing account number preceded by 14 zeros)
  • The IBAN for Kuwait follows the international standard established by the International Standards Organization (ISO).
  • To make a fund transfer locally or internationally (for the countries who have introduced IBAN), the ordering customer need to quote the IBAN of the Beneficiary customer in the same way they currently quote the Beneficiary’s account number.  The ordering customer should request the Beneficiary to provide their account number in IBAN format, wherever applicable.  Then the IBAN should be quoted by the ordering customer in their transfer instructions to their own bank.

Question & Answers

What is IBAN?

IBAN stands for International Bank Account Number. It is the ISO 13616 International standard for numbering bank accounts. This is an extended format of the existing bank account number. An IBAN contains information relating to the country, bank and branch of the beneficiary as well as the account number itself.

Will the existing bank account numbers be changed to implement IBAN in Kuwait?

The existing bank account numbers will remain the same and will not be changed. The bank will generate the IBAN format for each of your bank accounts which also contains the existing account number. The IBAN will be communicated to the account owners through various channels.

Why it is being introduced/implemented in Kuwait?

IBAN in Kuwait is introduced by the instruction of Central Bank of Kuwait to standardize the identification, format and length of bank accounts across all banks in Kuwait for faster, error-free fund transfers.

Is IBAN implemented elsewhere in the world?

It was originally adopted by European Committee for Banking Standards.

Currently all European non-CIS countries, as well as Tunisia, Mauritius, Turkey, Lebanon & Saudi Arabia participates in the IBAN system.

What is the IBAN format?

The format and length of the IBAN varies from country to country. The IBAN is not a single account number structure to replace the existing account number. Instead, it is a way of representing the existing account numbers in a standard recognizable format which can be validated using the check digits.

IBAN follows the international standard established by the International Standards Organization (ISO). An IBAN consists of additional characters placed in front of the existing bank account number.

The fixed length of IBAN for the State of Kuwait is 30 characters.

The following is an example of an IBAN for an existing 8 digits account number ‘12345678’ with AUBK:

KWXX BKME 00000000000000 XXXXXXXX

This IBAN is constructed as follows:

KW  Country Code for the State of Kuwait
XX  Check digits for validation
BKME  First four letters of the Bank Identifier Code
0000 0000 0000 00XX XXXX XX  Customer Account Number preceded by 14 Zeros to achieve
 the required fixed length for the account number.
  • The “Country Code” enables to recognize the country in which the IBAN was issued.
  • The “Check Digits” are used to perform the mathematical validation of the IBAN.
  • The “Bank Code” identifies the bank where the account is maintained.
  • The “Basic Account Number” is the existing bank account number preceded by 14 zeros to achieve the required fixed length for the account number.

Why is the implementation of IBAN important?

Implementation of IBAN will help to reduce errors and delays in either receiving payments or making payments into or from your account. IBAN helps to facilitate improvement in the quality of information exchanged between the banks involved in receiving or making payments, either within the State of Kuwait or internationally.

How will you get IBAN for your AUBK account(s)?

AUBK will issue IBAN for each of your account(s). The IBANs are derived from the existing AUBK account numbers. Only the bank where the account(s) are held can generate and provide the account owner(s) with IBANs.

  • The account owner(s) DO NOT have to apply for an IBAN.  AUBK will generate the IBAN of the existing accounts.
  • IBAN will appear in the Internet Banking upon selecting Account Details for the desired account, statement of account, credit/debit advices that are sent to the account owner(s).
  • For further assistance you can always contact the Account Manager, the 24 hours support Call Center on Tel. No.1812000 or any of our Branches.

Is there a fee to get IBAN for accounts held with AUBK?

AUBK does not charge any fee to notify the IBAN for any of the existing or new accounts with AUBK.

How will you use IBAN?

As AUBK customer, you should use IBAN for your fund transfers and also encourage the use of IBAN by all parties who send payments to you, both within the State of Kuwait and internationally.

You must provide your IBAN on all your Invoices and Requests for Payment. Your vendors and other customers must provide your IBAN number in their transfer instructions along with other beneficiary information that they normally provide to their banks.

Similarly, when you make payments, please include the IBAN of the Beneficiary wherever applicable, in the instructions sent to AUBK to process payments.

You should provide your IBAN to Governments, Companies or persons either within Kuwait or any other country, who need to send electronic payments to your bank account.

Sending payments to your beneficiaries from AUBK account using IBAN.

Prior to making a fund transfer, you should request the beneficiary to provide their account number in IBAN format. To make a fund transfer, you will need to quote the IBAN in the same way they currently quote the Beneficiary’s account instead of quoting only the existing account number.

The IBAN number provided by the beneficiary should then be used by you in your transferinstructions.

Who should you contact at AUBK to get your IBAN for any of your Account?

If you are an existing AUBK customer, you can get the IBAN from the Internet Banking upon selecting Account Details for the desired account, statement and debit/credit advices or by calling your account manager, our 24 Hours support Call Center on Tel. No. 1812000 or any of our Branches.