Is this Bulgarian IBAN example real?

No. It is a synthetic value generated to pass MOD 97 and the 22-character BG length check. It does not correspond to any real Bulgaria bank account, so it is safe for test fixtures and demos but must never be used for an actual transfer.

Why use a synthetic Bulgarian IBAN instead of a real one?

Real Bulgarian IBANs are private account identifiers; publishing one would expose a customer's account. A MOD 97-valid synthetic example gives you the same format and checksum behavior for testing without touching any real account.

Can I load this BG example into the validator?

Yes. The "Validate this example" link below loads this sample straight into the IBAN validator so you can see the green check and the full breakdown, exactly as a real Bulgarian IBAN would render.

What do I pair with a Bulgarian IBAN for a wire?

For most cross-border payments into Bulgaria you need the IBAN plus the receiving bank's SWIFT/BIC code. This Bulgarian IBAN example covers the account side; look up the bank's BIC separately to complete the wire instructions.

IBAN example · BG

Bulgarian IBAN example

This page gives you a sample Bulgarian IBAN that passes all ISO 13616 checks — correct character set, exactly 22 characters, and MOD 97 check digits that yield a remainder of 1. This Bulgarian IBAN is a synthetic test value for forms and integrations, not a real account. Use it for payment-integration tests, form demos, or to learn how a BG IBAN is structured. It does not map to a real bank account, so never send money to it. Below you will find the full IBAN, a field-by-field breakdown, notes on testing, and the SWIFT/BIC code you would pair with it for a complete cross-border payload.

Sample IBAN

BG78 ABCD 0123 45AB CD12 34

BG78ABCD012345ABCD1234

Validate this sample →Bulgarian IBAN overview

Field-by-field breakdown

The breakdown below splits the sample Bulgarian IBAN (BG78ABCD012345ABCD1234) into its country code, check digits, and BBAN fields, applying the 4!a6!n8!c pattern so each field is labeled with its length and allowed characters. This is the same field-by-field view the IBAN validator produces for any BG IBAN you paste, so you can compare a real Bulgarian IBAN against this reference structure.

Country code

ISO 3166 — Bulgaria

Check digits

MOD 97-10 checksum

BBAN field 1

4 letters · letters (A–Z)

ABCD

BBAN field 2

6 digits · digits (0–9)

012345

BBAN field 3

8 characters · alphanumeric (A–Z, 0–9)

ABCD1234

How to use this Bulgarian IBAN example

A common use case is testing a payment form that accepts Bulgarian IBANs: paste the sample into your form to confirm it accepts 22-character BG input and rejects malformed values. You can also load this example straight into the IBAN validator to see the green check, or open the Bulgarian IBAN format page for the full structure spec. For end-to-end testing of a cross-border flow, pair this IBAN with the receiving bank's SWIFT/BIC code.

Reading the Bulgarian IBAN structure

Reading the sample Bulgarian IBAN left to right: the first two characters (BG) are the ISO 3166 country code for Bulgaria; the next two are the MOD 97 check digits, chosen so the whole number passes the checksum; and the remaining 18 characters are the BBAN, which encodes the bank and account under Bulgaria's national format. Because the BBAN layout is fixed for Bulgaria, you can predict which characters are the bank code and which are the account number just from the 4!a6!n8!c pattern — and that is exactly what the field-by-field breakdown below shows.

Testing with this Bulgarian IBAN

For QA and integration work, this Bulgarian IBAN example is most useful in three places. In a payment form, paste it to confirm the field accepts 22-character BG input and rejects values that are too short, too long, or have a bad country prefix. In a MOD 97 unit test, assert that the example returns a remainder of 1 and that flipping any single digit makes it fail. In an end-to-end test, pair the IBAN with a Bulgaria SWIFT/BIC code so the full wire payload looks realistic. Because the example is synthetic, it will never collide with a real Bulgaria account, which makes it safe to commit to test fixtures.

Bulgarian IBAN example and SWIFT codes

If you are testing a full international payment into Bulgaria, you will usually need a SWIFT/BIC code alongside this IBAN. Look up the receiving Bulgaria bank's BIC with a SWIFT code lookup tool to build a realistic BG wire payload around this Bulgarian IBAN.

Bulgarian IBAN example FAQ

Is this Bulgarian IBAN example real?: No. It is a synthetic value generated to pass MOD 97 and the 22-character BG length check. It does not correspond to any real Bulgaria bank account, so it is safe for test fixtures and demos but must never be used for an actual transfer.
Why use a synthetic Bulgarian IBAN instead of a real one?: Real Bulgarian IBANs are private account identifiers; publishing one would expose a customer's account. A MOD 97-valid synthetic example gives you the same format and checksum behavior for testing without touching any real account.
Can I load this BG example into the validator?: Yes. The "Validate this example" link below loads this sample straight into the IBAN validator so you can see the green check and the full breakdown, exactly as a real Bulgarian IBAN would render.
What do I pair with a Bulgarian IBAN for a wire?: For most cross-border payments into Bulgaria you need the IBAN plus the receiving bank's SWIFT/BIC code. This Bulgarian IBAN example covers the account side; look up the bank's BIC separately to complete the wire instructions.

⚠️ This is a synthetic test IBAN. It passes format and MOD 97 checks but does not map to a real bank account. Never send money to it.

Bulgarian IBAN overview →BG IBAN format spec Validate this example