Mozambique NIB Generator (Bank Account Number)
Generate valid 21-digit Mozambique NIB numbers for SIMO interbank payments and fintech testing.
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About Mozambique NIB (Bank Account Identification Number)
The NIB (Número de Identificação Bancária) is the official national banking standard in Mozambique, governed by the Bank of Mozambique and processed via the SIMO network.
Composed of 21 numeric digits, the NIB provides account-level routing for interbank settlements, identifying the credit institution, local branch, individual account, and ISO 7064 MOD 97-10 check digits.
Mozambique NIB Anatomy
Structure of the 21 digits in the Mozambican NIB:
| Position | Field | Length | Meaning & Rule | Example |
|---|---|---|---|---|
| 1 to 4 | Bank Code | 4 digits | Financial institution identifier assigned by the Bank of Mozambique (e.g. 0001 Millennium BIM, 0003 BCI) | 0001 |
| 5 to 8 | Branch Code | 4 digits | Bank branch or office identifier | 0045 |
| 9 to 19 | Account Number | 11 digits | Customer bank account sequential number | 01234567890 |
| 20 and 21 | Check Digits (DV) | 2 digits | Validation digits computed via ISO 7064 Modulo 97-10 | 58 |
Check Digit Calculation (ISO 7064 Modulo 97-10)
Official SIMO / Bank of Mozambique validation algorithm:
DV = 98 - ((N19 * 100) % 97). Full NIB % 97 == 1.
- 1. Take the first 19 digits of the NIB (Bank + Branch + Account).
- 2. Compute the remainder of this number divided by 97.
- 3. Multiply by 100 and calculate the new remainder modulo 97.
- 4. Subtract this remainder from 98 to obtain the 2 check digits (DV).
- 5. The full 21-digit NIB satisfies: NIB % 97 == 1.
Frequently Asked Questions (FAQ)
Are the generated NIB numbers tied to real accounts?
No. All numbers are algorithmically and synthetically generated according to ISO 7064 Modulo 97-10 for software testing and QA purposes.
What is the 21-digit structure of the Mozambican NIB?
The NIB consists of 4 digits for the bank code, 4 digits for the branch code, 11 digits for the account number, and 2 check digits (DV).
How are the check digits calculated?
It follows the international ISO 7064 MOD 97-10 standard. The full 21-digit number divided by 97 must produce a remainder of 1.