Jordan IBAN
A Jordan IBAN is 30 characters long.
JO and two check digits open every Jordan IBAN; its remaining 26 form the BBAN (Basic Bank Account Number). Transfers into Jordan arrive in JOD over SWIFT.
Example Jordan IBAN
Electronic format
JO94CBJO0010000000000131000302
Print format
JO94 CBJO 0010 0000 0000 0131 0003 02
IBAN structure for Jordan
Major banks in Jordan
5 banks in Jordan that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Jordan IBAN questions
What is the IBAN format for Jordan?
A Jordanian IBAN is exactly 30 characters long. It starts with JO, 2 check digits, a 4-character alphanumeric bank code, 4 digits of branch information, and a 18-character account number. Example: JO94 CBJO 0010 0000 0000 0131 0003 02.
Is Jordan part of SEPA?
No. Jordan is not a SEPA member. International transfers to Jordan are processed through the SWIFT network. The Central Bank of Jordan (CBJ) regulates international payments, and domestically the Jordan Electronic Payment System (JoPACC) handles interbank transfers.
What are the bank codes for Arab Bank, Housing Bank, and Jordan Islamic Bank?
Jordanian bank codes (4 characters, positions 5–8 of the IBAN): Arab Bank uses ARAB, Housing Bank for Trade and Finance uses HBHO, Jordan Islamic Bank uses JIBS, Cairo Amman Bank uses CABJ, and Bank of Jordan uses BOFJ.
How do I find my IBAN at a Jordanian bank?
Your JO IBAN is available in your bank's online banking or mobile app. Arab Bank's Arab Online platform and Jordan Islamic Bank's digital banking both display the 30-character IBAN under account details. It also appears on bank statements. You can request it at any branch if you cannot locate it digitally.
What do I need to receive a transfer from abroad to Jordan?
Provide your full 30-character JO IBAN and your bank's SWIFT/BIC code. Arab Bank's SWIFT code is ARABJOAX; Housing Bank's is HBHOJOA2; Jordan Islamic Bank's is JIBSJOA1. Arab Bank's extensive regional network makes it particularly well-suited for receiving transfers from Gulf countries.
Is the JOD pegged to the USD?
Yes. The Jordanian dinar (JOD) is pegged to the US dollar at a fixed rate of approximately 0.709 JOD per USD. This peg has been in place since 1995 and provides predictability for inbound USD transfers. If you receive a USD wire, you can estimate the JOD value before it arrives.
How do Jordan's JoPACC systems use IBAN?
JoPACC (Jordan Payments and Clearing Company) operates the JRTGS (Jordan Real Time Gross Settlement) for high-value payments and the JCSS (Jordan Clearing and Settlement System) for retail transfers. Both systems use the full 30-character JO IBAN as the account identifier for all domestic interbank transfers.
Can I receive transfers from Gulf countries easily to a Jordanian bank?
Yes. Jordan receives significant remittance flows from Jordanians working in Saudi Arabia, UAE, and Kuwait. Arab Bank, with offices throughout the Arab world, is particularly efficient for receiving transfers from Gulf Cooperation Council (GCC) countries. Some transfers from Gulf banks can arrive within hours due to direct bilateral correspondent banking agreements.
How IBAN is used in Jordan
Jordan adopted IBAN under the Central Bank of Jordan (CBJ). Jordanian bank accounts carry a 30-character IBAN — one of the longer formats globally — prefixed with JO. Jordan is not part of SEPA; international transfers are processed via the SWIFT network. The domestic currency is the Jordanian dinar (JOD), which is pegged to the US dollar. Domestic interbank transfers are processed through the Jordan Electronic Payment System (JoPACC).
- A Jordan IBAN is 30 characters long: the country code JO, two check digits, a four-character alphanumeric bank code, four digits of branch information, and a 18-character account number. Arab Bank (bank code ARAB) is the largest and most internationally connected Jordanian bank. Housing Bank for Trade and Finance (HBHO) and Jordan Islamic Bank (JIBS) are other major institutions. Your IBAN is available through your bank's mobile app, online banking, or on your account statement.
- Jordan's JoPACC operates the domestic payment infrastructure, including the Jordan Real Time Gross Settlement (JRTGS) and JCSS retail clearing systems. Both use the full JO IBAN for beneficiary identification. For cross-border transfers, the sender needs your 30-character JO IBAN along with your bank's SWIFT/BIC code.
- Jordan receives significant remittance inflows, particularly from Jordanians working in the Gulf. Arab Bank, with its extensive regional presence, is commonly used for receiving transfers from Saudi Arabia, UAE, and Kuwait. When the sender is in a Gulf country, confirm whether your bank can receive the transfer without requiring a manual correspondent bank step, as this can reduce both fees and settlement time.
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