French RIB to IBAN Converter

Turn a French RIB into a 27-character FR IBAN, or paste an IBAN to read the RIB inside it. The clé RIB is calculated and checked, and the code banque is resolved to a bank. Nothing you type is sent anywhere or stored.

What Is a RIB (Relevé d'Identité Bancaire)?

A RIB is France's domestic bank account identifier, older than the IBAN. Every French account has one, printed on chequebooks and downloadable from online banking. It carries four parts, and all four survive inside the IBAN:

• Code banque5 digits20041

  Identifies the bank, and only the bank. 30004 is BNP Paribas, 30006 Crédit Agricole, 20041 La Banque Postale.

• Code guichet5 digits01005

  Identifies the branch that holds the account. Two accounts at the same bank in different towns differ here.

• Numéro de compte11 characters0500013M026

  The account number itself. It may contain uppercase letters, which are read as digits when the key is calculated.

• Clé RIB2 digits06

  Domestic check key, 1 to 97, calculated from the other three parts. It is what catches a mistyped account number.

How Is the Clé RIB Calculated?

Each of the three components is read as a number, with letters converted through the table below, and reduced modulo 97. The key is then:

Only the numéro de compte can carry letters, and they convert like this. Nine values, three letters each:

The key always lands between 1 and 97, so it is never printed as 00: where the remainder is zero the key is 97. This is a separate check from the IBAN check digits. The clé RIB protects the French account number itself and sits inside the BBAN, while the IBAN check digits protect the whole string and sit at positions 3 and 4. Our IBAN checker verifies both, and reports a clé that does not hold as a likely transcription error rather than an invalid IBAN.

French IBAN Format

A French IBAN is always 27 characters. Taking the published sample: FR14 2004 1010 0505 0001 3M02 606

Monaco uses the same structure and the same clé RIB, which is why an MC IBAN also splits into a RIB. For the full country reference see the France IBAN format page or the longer French IBAN guide.

How Do I Convert an IBAN Back to a RIB?

Nothing needs to be looked up: a French IBAN already contains the RIB. Remove the first four characters, the country code and the IBAN check digits, and the 23 that remain are the RIB in order. Switch this page to IBAN → RIB and it does the split, verifies the clé RIB against the account number, and names the bank behind the code banque. For the same breakdown in other countries, use the IBAN to local format tool.

When Do You Need an FR IBAN?

Since February 2014 every euro transfer inside SEPA, French domestic ones included, is instructed with an IBAN. The RIB itself is still what you are handed when you need to give out your details, typically for:

• Direct debit mandates (prélèvements automatiques)
• Payroll setup with a French employer
• Older French systems and forms that still ask for the four parts

Many payment forms ask for a BIC next to the IBAN. Where we have verified the code banque, the converter shows the bank and its BIC above. If you are holding a code and are not sure what it even is, the bank code identifier will tell you.

What This Converter Cannot Tell You

The conversion is structural. It proves the four parts fit the French format, that the clé RIB holds, and that the IBAN check digits are right, which is what catches a mistyped digit. It cannot tell you that the account is open, that it can receive money, or that it belongs to the person you are about to pay. Only the account's own bank knows that, and answering it is what Verification of Payee exists for.

Sources & References

• SWIFT IBAN Registry: Official French IBAN structure and sample
• ISO 13616: The IBAN standard and its MOD-97 check digits
• European Payments Council: SEPA credit transfer rules that made the IBAN mandatory
• ibanchecker.cash: How the RIB to IBAN conversion works, step by step

Last updated: 1 September 2026, 16:00 UTC