**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

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## About Eta Uso Jr

You won't be wrong in defining me as a combination of creativity, humility and discipline. People say I am Young, Smart and Incredibly Intelligent. An outstanding Electrical / Electronic Engineer with a Masters in Artificial Intelligence and Computing. Also possessing great passion for Information Technology and an ever active Delegate at the yearly GITEX Technology Week, Dubai, UAE - The Middle-East's most prestigious Information Technology event.

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