How to calculate the Check Digit of your Nigerian Uniform Bank Account Code (NUBAN)

CHECK DIGIT ALGORITHM

The approved NUBAN format ABC-DEFGHIJKL-M
where ABC is the 3-digit bank code assigned by the CBN
DEFGHIJKL is the NUBAN Account serial number
M is the NUBAN Check Digit, required for account number
validation

We hereby recommend the following as the Check Digit Algorithm

Step 1. Calculate A*3+B*7+C*3+D*3+E*7+F*3+G*3+H*7+I*3+J*3+K*7+L*3
Step 2. Calculate Modulo 10 of your result i.e. the remainder after dividing by 10
Step 3. Subtract your result from 10 to get the Check Digit
Step 4. If your result is 10, then use 0 as your check digit

The Table below shows the 3-digit codes of all banks.

Example 1:

The NUBAN code of a typical customer bank account in First Bank of Nigeria Plc would be derived as
follows:
The 3-digit code assigned to First Bank in the Bankers Clearing System is 011
Assume a NUBAN serial number of 000001457
The check digit would be computed as follows:
Step 1. 0*3+1*7+1*3+0*3+0*7+0*3+0*3+0*7+1*3+4*3+5*7+7*3 = 81
Step 2. Module 10 of 81 is 1 i.e. 1 is the remainder when you divide 81 by 10

Step3. Subtract 1 from 10 to get Check Digit 9

Therefore the NUBAN code for this example account is 0000014579

Example 2:

Assume a NUBAN serial number of 000000022 in First Bank
The check digit would be computed as follows:
Step 1. 0*3+1*7+1*3+0*3+0*7+0*3+0*3+0*7+0*3+0*3+2*7+2*3, 10=30
Step 2. Module 10 of 30 is 0 i.e. 0 is the remainder when you divide 30 by 10

Step 3. Subtract 0 from 10 to get 0
Step 4. So the check digit is 0

Therefore, the NUBAN code for this example account is 0000000220