Bank AL Habib IBAN Format & Generator Guide
A Bank AL Habib IBAN follows a specific official format built around its SWIFT/bank code and your account number; this page explains that format and where to get your correct IBAN for free.
Part of PakFinHub's Bank AL Habib coverage — see the full bank overview.
- Last Verified: Sep 2, 2026
- Verified Format Only
- Links to Official Generator
Every Bank AL Habib IBAN number follows the same fixed Pakistani bank structure — PK, 2 check digits, a 4-letter bank code, then a 16-digit account segment, for 24 characters total. That's a hard constraint of the international ISO 13616 standard, confirmed against SBP's IBAN implementation guidelines (PSD Circular No. 02 of 2012) that every Pakistani bank, including Bank AL Habib, was directed to follow.
Where Bank AL Habib is different: its own account numbers run 17 digits, not 16. The bank's official IBAN page confirms customers should generate their IBAN by entering their current 17-digit account number — but it doesn't publish exactly how that 17th digit is handled inside the fixed 16-digit BBAN segment (dropped, folded into a check step, or something else). Because getting this wrong produces an IBAN that looks valid but routes to the wrong account or gets rejected — a real, costly failure mode, not a cosmetic one — PakFinHub isn't going to guess at that mapping and hand you a number to actually use.
Bank AL Habib IBAN Number Format Explained
| Segment | Length | What It Is |
|---|---|---|
| Country code | 2 characters | Always "PK" for Pakistan |
| Check digits | 2 digits | Calculated using the ISO 7064 MOD-97 algorithm, the same check-digit method used internationally to catch typos before a transfer is sent |
| Bank code | 4 letters | "BAHL" for Bank AL Habib |
| Account number (BBAN) | 16 digits | Derived from your actual account number — the part the bank's own generator maps correctly for its 17-digit account format |
Structure confirmed against Bank AL Habib's official IBAN implementation page (bankalhabib.com/iban), which states compliance with SBP's PSD Circular No. 02 of 2012 and its accompanying IBAN Implementation Guidelines for Pakistan.
SWIFT Code Reference
Head office SWIFT/BIC: BAHLPKKA. This is the confirmed code and works for most incoming international transfers. Individual branches and overseas locations may carry their own branch-specific code suffixes, but PakFinHub hasn't independently verified any specific branch-level codes, so we're not listing guessed ones here — confirm the exact branch code directly with your Bank AL Habib branch or the 24/7 helpline if your sender's bank asks for one.
Double-Check Any IBAN Example You See Elsewhere
If you're cross-checking your Bank AL Habib IBAN against an example on another site, be careful: we found that some well-known international fintech sites (including at least one major money-transfer service and a business-banking comparison site) show an example Bank AL Habib IBAN using the bank code "SCBL" — that's actually Standard Chartered Bank's code, not Bank AL Habib's. The correct bank code is BAHL, as shown in the format table above. If an IBAN you're checking uses "SCBL" for what's supposed to be a Bank AL Habib account, that example is wrong.
Separately, if you search for "Bank Al Habib" IBAN or SWIFT lookup tools, you may encounter results for a similarly-named bank based in Seychelles (SWIFT/BIC prefix BAHLSCSC) — this is an entirely different institution, unrelated to Bank AL Habib Limited of Pakistan, and its IBAN format doesn't apply here at all.
The BAHL bank code is confirmed directly from Bank AL Habib's own published IBAN structure. The "SCBL" error was observed on third-party fintech sites' own example/reference pages during our research — not an error on Bank AL Habib's part.
Head-office SWIFT code sourced from Bank AL Habib's official IBAN implementation page. Branch-level codes are not published in a way PakFinHub could independently verify, so none are stated here rather than guessed.
Ready to explore Bank AL Habib IBAN Format & Generator Guide?
Verify current rates, terms, and eligibility directly with Bank AL Habib before applying — this page is independent, sourced, and kept current, but the bank's own site is the final word on live terms.
More on Bank AL Habib
Bank Overview
History, leadership, ownership, and key facts.
Rates & Accounts
Profit rates and every account type.
Financial Results
FY2025 audited results and ratio analysis.
Branch & ATM Locator
Network size and how to find a branch.
Digital Banking
AL Habib Mobile app and netbanking.
Cards & Discounts
Active merchant offers for cardholders.
ApniCar Auto Finance
Conventional & Islamic car financing, plus Cash & Laptop financing.
Housing Finance
Buy, build, or transfer your home loan — plus solar and low-cost housing.
Business & SME Banking
Corporate, SME, Trade, Cash Management, Guarantees & more.
Helpline & Complaints
Contact numbers and escalation path.
Fraud & Security
Real scam patterns BAHL has warned about.
CSR
Corporate philanthropy and community programs.
Roshan Digital Account
For overseas Pakistanis — accounts, remittance, investment.
Careers & Jobs
Where to find real openings and what to expect.
Credit Cards
Fees, eligibility, APR, and how to apply.
Locker Facility
Key deposit and annual fee by locker size.
IBFT & Fund Transfer
Free allowance, charges, and daily limits.
Cheque Book & Stop Payment
Cheque book, stop payment, and pay order charges.
Personal & Cash Finance
Secured Cash Finance and Personal Finance Facility.
Scooter & Motorcycle Finance
Standard and Woman Scooter Finance schemes.
Dormant Account & Closure
12-month dormancy rule, reactivation, and closing an account.
Islamic Banking
Mudarabah, Diminishing Musharakah, and every Islamic product.