Home › Bank codes › Bank Alfalah IBAN
Short answer A Bank Alfalah IBAN is a 24-character Pakistani account identifier beginning with
PK. Use Bank Alfalah’s own generator on its Accounts page and enter your own account number exactly as the bank records it. Do not copy the example shown on the page. The example is instructional; it is not your account.
Bank Alfalah places its IBAN generator near the bottom of its official Accounts page. The bank’s form asks for an account number and returns an IBAN. The same page displays a worked example beginning PK44ALFH, which shows the bank identifier in context but must never be used for a real transfer.
Checked 18 October 2026 against Bank Alfalah and the State Bank of Pakistan (SBP).
SBP’s implementation guidelines define one fixed format for Pakistan:
| Part | Length | What it means |
|---|---|---|
| Country code | 2 letters | PK for Pakistan |
| Check digits | 2 digits | Calculated with the MOD 97-10 method |
| Bank identifier | 4 letters | The first four characters of the institution’s SWIFT BIC, or another code assigned under the guidelines |
| Account code | 16 characters | The bank’s account-code field |
That makes 24 characters in total. Bank Alfalah’s generator example uses ALFH in the bank-identifier position. The remaining account-code characters belong to the specific account.
The check digits can catch many typing and transposition errors. A valid checksum does not prove that an account is open, belongs to the named person, accepts a particular currency or can receive a specific type of transfer.
Source: SBP IBAN Implementation Guidelines, issued 15 May 2012.
The generator currently shows two account-number fields. Follow the labels and formatting displayed by the live bank form. Do not add a branch code, extra zero or space because a third-party article says to do so.
If the form does not accept the number, stop and check the account record supplied by the bank. Do not keep changing digits until the form returns something. Bank Alfalah publishes its contact details on the same official site for cases that need confirmation.
For a transfer, the sender may ask for more than the IBAN. Prepare:
An IBAN identifies the account in a standard form. It does not replace every field in an international payment instruction. The sender’s institution decides which beneficiary, routing and compliance details it needs.
If the sender asks for a SWIFT or BIC, use a bank-confirmed code for the account and transfer route. Do not derive a full eight- or eleven-character BIC solely from the four-letter identifier inside an IBAN.
| Detail | Job |
|---|---|
| Account number | Identifies the account inside the bank’s own system |
| IBAN | Packages country, check digits, bank identifier and account code in a standard 24-character Pakistani format |
| SWIFT/BIC | Identifies a financial institution, and sometimes a branch, in SWIFT messaging |
A sender may request both an IBAN and a SWIFT/BIC. Giving one does not automatically answer the other.
For the wider format, see What is an IBAN?. Our Pakistan IBAN checker can test length, structure and checksum. It cannot look inside Bank Alfalah’s customer system or confirm ownership.
The example on Bank Alfalah’s page is not a customer lookup result. It demonstrates the format. Every account holder must generate or obtain the IBAN assigned to their own account.
The SBP guidelines allow banks to use the 16-character account-code space according to their own account structure, including left-padding where needed. Removing a zero can change the identifier and invalidate the checksum.
Screenshots can be cropped or old. Copy the IBAN as text, then compare the first and last characters with the bank record. Ask the sender to confirm the beneficiary name shown by their payment service where that facility is available.
Checksum validation checks the string, not the person. Never send money only because a third-party checker says an IBAN is valid. Confirm the beneficiary through a trusted channel.
IBANs are often printed in groups of four for readability. Electronic forms commonly require the continuous 24-character string. Follow the receiving form’s instructions.
An IBAN is meant to receive and route payments, but it is still account information. Share it only with the person or organisation that needs to pay you. Never disclose your password, PIN, card security code or one-time code alongside it.
A bank or genuine sender does not need your login password to use an IBAN. If someone asks for a one-time code to “activate” an incoming payment, stop and contact Bank Alfalah through the details on its official website.
For an account that has only just been opened, wait for Bank Alfalah’s confirmation before treating it as ready. The Bank Alfalah account-opening guide explains the separate RAPID application route.
A Pakistani IBAN has 24 characters under SBP’s format. Bank Alfalah IBANs follow that national structure.
They begin with Pakistan’s country code PK, followed by account-specific check digits. The four-letter bank identifier follows. Do not assume the same two check digits apply to every account.
The checksum formula is public, but the safe route is Bank Alfalah’s official generator or a bank-issued record. A correct formula still depends on the exact account code the bank uses.
No. ptvold can explain and validate the published format, but only the bank and the relevant payment systems can confirm an account and beneficiary.
Not always. The sender may also need the beneficiary name, bank name, SWIFT/BIC, purpose and other details required by its institution.
Checked 18 October 2026:
