What is a RIB and How to Use It
The Lbanka RIB tool helps you read, understand and display your bank account identification details. RIB stands for Relevé d'Identité Bancaire — a standard document that identifies a bank account in Morocco and other French-speaking countries. It contains all the reference codes needed to send or receive a bank transfer, set up a direct debit or standing order, and identify the bank, branch and account.
Whether you are setting up a salary payment, sending money to someone, paying a supplier or subscribing to a direct debit service, the RIB provides the account identification that ensures the funds reach the right account. This tool helps you verify, decode and present your RIB clearly.
What does a RIB contain?
A standard RIB contains several key pieces of information that together uniquely identify a bank account:
- Bank code: a numeric code identifying the bank institution.
- Branch code: identifies the specific agency or branch where the account is held.
- Account number: the unique number assigned to the account.
- RIB key: a two-digit check digit that validates the RIB and detects entry errors.
- Account holder name: the name of the person or entity that owns the account.
- Bank and branch name: for identification and correspondence purposes.
When do you need your RIB?
- When setting up a salary domiciliation with an employer.
- When initiating or receiving a bank transfer.
- When setting up a standing order or authorizing a direct debit.
- When applying for a loan and the lender needs your account details.
- When registering for a subscription or recurring payment service.
- When providing banking details to a government or tax authority.
How to read and verify a RIB
The RIB key is calculated using a mathematical formula applied to the bank code, branch code and account number. Verifying the RIB key before sharing or using your RIB helps detect typing errors that could misdirect a payment.
In international contexts, the RIB information is often encoded into an IBAN (International Bank Account Number). The Moroccan IBAN starts with "MA" followed by a two-digit check and the RIB digits. When sending or receiving international transfers, always provide both the IBAN and the BIC/SWIFT code of the bank.
Frequently asked questions
Where can I find my RIB?
Your RIB is printed on cheque book stubs, on your bank card documentation, in your online banking space, and on any official bank document. You can also ask your bank to issue a standalone RIB document.
Is it safe to share my RIB?
Your RIB is needed for transfers and direct debits and is generally safe to share with employers, services or trusted institutions. However, share it only with parties you trust, as it can be used to set up debits from your account.
What is the difference between a RIB and an IBAN?
A RIB is the national account identifier used in Morocco and similar systems. The IBAN is the international standard that encodes the same information in a globally compatible format. For international transfers, always use the IBAN.
Does a RIB expire?
A RIB is valid as long as the account remains open. If you change banks or close the account, the RIB is no longer valid and you will need to provide the new one to any payees or services.
