Togo IBAN Format (TG) — Structure, Length & Example

The Togo IBAN is 28 characters long and follows the ISO 13616 standard administered by the Banque Centrale des Etats de l'Afrique de l'Ouest (BCEAO). Togo is a member of the West African Economic and Monetary Union (UEMOA/WAEMU), sharing the West African CFA franc (XOF) with Senegal, Cote d'Ivoire, Burkina Faso, Mali, Niger, Benin, and Guinea-Bissau. The IBAN format is consistent across all BCEAO-zone member countries. Togo is not a SEPA country; all international transfers use the SWIFT network.

Togo IBAN at a Glance

• Country code: TG
• Total length: 28 characters (always)
• Format: TGkk pp bbbbb nnnnn aaaaaaaaaaa c
• BBAN length: 24 characters
• Character types: 2-letter country prefix + 5-digit bank code + 5-digit branch code + 11-character account number + 1-digit national check key
• Currency: West African CFA franc (XOF)

Togo IBAN Structure Explained

1. Country Code, TG (2 characters)

The ISO 3166-1 alpha-2 code for Togo. Every Togolese IBAN begins with TG.

2. Check Digits, kk (2 digits)

Two decimal digits computed using the MOD-97 algorithm. They allow detection of transcription and transposition errors before the payment is processed.

3. Country Prefix, pp (2 letters)

A 2-letter alphabetic prefix embedded as the first two characters of the BBAN. For Togolese accounts this is always TG. This embedded country prefix is a defining characteristic of the BCEAO-zone IBAN structure and distinguishes it from most other regional formats. Both the outer country code and the inner prefix must match TG for a valid Togolese IBAN.

4. Bank Code, bbbbb (5 digits)

A 5-digit numeric code identifying the receiving bank within Togo. The BCEAO issues these codes to all licensed financial institutions in member countries. Common Togolese bank codes:

• 00906, Ecobank Togo
• 00904, Orabank Togo
• 00801, Banque Atlantique Togo
• 00301, UTB (Union Togolaise de Banque)

5. Branch Code, nnnnn (5 digits)

A 5-digit numeric branch code identifying the specific branch where the account is held. Always copy this code from official bank documentation provided by the account holder.

6. Account Number, aaaaaaaaaaa (11 characters)

An 11-character alphanumeric account number. While the format permits letters, most Togolese accounts use all-numeric characters in this field. Numbers shorter than 11 characters are left-padded with zeros.

7. National Check Key, c (1 digit)

A single digit appended at the end of the BBAN, computed from the bank code, branch code, and account number. This domestic check key provides an additional layer of validation on top of the IBAN check digits.

Togo IBAN Example Explained

TG53 TG00 9060 4310 3465 0040 0070

• Country code: TG
• Check digits: 53
• Country prefix (BBAN): TG
• Bank code: 00906 (Ecobank Togo)
• Branch code: 04310
• Account number: 34650040007
• National check key: 0

How Togolese IBAN Validation Works

1. Country code check: First two characters must be exactly TG.
2. Length check: Total character count with spaces removed must be exactly 28.
3. Character type check: Positions 5–6 are uppercase letters (embedded country prefix TG); positions 7–11 are digits (bank code); positions 12–16 are digits (branch code); positions 17–27 are alphanumeric (account number); position 28 is a digit (check key).
4. MOD-97 check: Move the first four characters to the end, replace each letter with its numeric value (A=10 to Z=35), divide the resulting large number by 97. The remainder must be 1.

The ibanchecker.cash validator handles Togolese IBANs correctly, including the embedded BBAN country prefix, and displays the bank code and branch breakdown.

Togo Is Not a SEPA Country

Togo is not a member of the Single Euro Payments Area. International transfers to Togolese accounts route via the SWIFT correspondent banking network. Key practical points:

• Processing times of 2–5 business days via SWIFT
• Correspondent bank fees applied by intermediate institutions in the chain
• The BIC/SWIFT code of the Togolese receiving bank must be provided
• The West African CFA franc (XOF) is pegged to the euro at 655.957 XOF per EUR. Euro pricing is therefore predictable, but SWIFT fees apply for all international transfers and SEPA clearing is not available.

Look up any Togolese bank's BIC code using the ibanchecker.cash SWIFT directory.

Togo and the BCEAO Banking Zone

Eight countries share the BCEAO-zone 28-character IBAN structure: Senegal (SN), Cote d'Ivoire (CI), Togo (TG), Benin (BJ), Burkina Faso (BF), Mali (ML), Niger (NE), and Guinea-Bissau (GW). All eight formats are identical in length and BBAN structure. The embedded 2-letter country prefix and the outer country code are the only structural differences between member country IBANs.

When processing payments to multiple West African destinations, always verify the outer country code and embedded prefix match the intended recipient country. Use the ibanchecker.cash bulk checker to validate BCEAO-zone IBANs alongside other African IBANs.

Common Togo IBAN Mistakes

Omitting the Embedded Country Prefix

The BCEAO-zone format requires two letters (TG for Togo) as the first two characters of the BBAN. This is easy to overlook when transcribing IBANs manually. Omitting these two letters produces a 26-character string that fails both the length check and the MOD-97 check.

Misidentifying Other BCEAO Countries

All eight BCEAO-zone member countries produce 28-character IBANs with identical BBAN structures. A Togolese IBAN (TG) and a Senegalese IBAN (SN) are structurally indistinguishable except for the country code. Always confirm the intended recipient country before initiating a transfer.

Missing or Incorrect Check Key

The 1-digit national check key at position 28 is mandatory. A common error when manually entering Togolese IBANs is to terminate the string after the 11-character account number, producing a 27-character IBAN. The check key must always be included.

Sources & References

• SWIFT IBAN Registry — Official country IBAN format specifications
• ISO 13616 — International standard for IBAN
• BCEAO — Banque Centrale des Etats de l'Afrique de l'Ouest, UEMOA zone central bank
• European Payments Council — SEPA scheme documentation and IBAN reference

Last updated: June 2026