Bulgaria IBAN at a Glance
| Country | Bulgaria (BG) |
| Length | 22 characters |
| Structure (after BG + check digits) | 4a bank, 4n branch, 10c account |
| Example IBAN | BG80 BNBG 9661 1020 3456 78 |
| SEPA member | Yes |
The example above is the published ISO registry sample for Bulgaria. It passes checksum validation but is not a real account.
How to Read a Bulgaria IBAN
Every IBAN starts the same way: the first two letters are the country code (BG) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Bulgaria's domestic account format: 4a bank, 4n branch, 10c account.
For an international transfer to Bulgaria you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Bulgaria for free. Timing matters too: transfers do not settle on Bulgaria bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Bulgaria IBAN?
Bulgaria IBANs are exactly 22 characters long, starting with BG followed by 2 check digits.
Is Bulgaria part of SEPA?
Yes, Bulgaria participates in SEPA (Single Euro Payments Area), so euro transfers to and from other SEPA countries are fast and low-cost.
Can I validate a Bulgaria IBAN without sending it anywhere?
Yes, use the checker above. Validation runs in your browser using the ISO 7064 mod-97 algorithm, the IBAN never leaves your device.
What is the structure of a Bulgaria IBAN?
After the country code and check digits, a Bulgaria IBAN contains: 4a bank, 4n branch, 10c account.