Madagascar Bank Code, RIB & IBAN (2026)

The 5-digit bank code (code banque) sits at the start of your RIB. For BNI Madagascar it is 00005 and for BFV-Société Générale it is 00008 — both confirmed from official RIB samples. For BANK OF AFRICA (BOA) Madagascar and the other banks we do not publish an unverified code: read the first 5 digits of your own RIB, available on a bank statement, in your banking app, or at your branch. Inventing a bank code could route a transfer to the wrong institution.

The code guichet (5 digits, right after the bank code in the RIB) identifies your specific branch. There is no universal list — each branch has its own. You find it on your RIB: on a statement, in your bank's app, or by asking your branch. Unlike South Africa, where a bank has one universal code, the French-style system used in Madagascar assigns a code guichet per branch.

The Malagasy IBAN is 27 characters: MG46 followed by the 23-digit RIB. The RIB is bank code (5) + branch code (5) + account number (11) + key (2). Note: some aggregators and AI summaries wrongly claim '33 characters' — that is incorrect. The official example MG46 0000 8030 1605 0030 1377 643 proves it: 4 + 5 + 5 + 11 + 2 = 27 characters.

The RIB (and MG46 IBAN) is for DOMESTIC routing — transfers between accounts in Madagascar, salary setup, direct debits. The SWIFT/BIC code is for INTERNATIONAL routing — so a bank abroad can credit your Malagasy account. To receive a wire from France, your sender needs both your bank's SWIFT code AND your IBAN/RIB. See our Madagascar SWIFT code directory.

The RIB key is a 2-digit number computed from the bank code, branch code and account number. It catches typing errors: if a digit of the RIB is copied wrong, the key no longer matches and the bank rejects the operation. It is a checksum, not a separate code to memorise — it already appears at the end of your RIB.