# Seychelles (SC) IBAN & Bank Routing Validator
> Instant sub-1ms ISO 13616 MOD-97 checksum validation, BBAN decomposition, and bank routing extraction for Seychelles (SC) bank accounts.

- **Canonical URL:** https://stanzaapi.com/tools/iban-validator/country/seychelles-sc
- **Governing Standard:** ISO 13616 / ISO 7064 MOD-97-10 (SWIFT & ISO 13616 IBAN Registry)
- **Latency:** <1ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
In Seychelles, the International Bank Account Number (IBAN) has a fixed length of 31 alphanumeric characters starting with the two-letter ISO 3166-1 alpha-2 country code 'SC', followed by two MOD-97 check digits.

The National Basic Bank Account Number (BBAN) follows the official pattern: 4a20n3a. The national bank code is located at BBAN character offset [0:4]. The branch identifier is at offset [4:6].

National IBAN transfers in Seychelles (SC) are settled in SCR.

Validation computes the ISO 7064 Modulo-97-10 checksum by transposing the first 4 characters to the end, converting letters to numeric digits (A=10, ..., Z=35), and calculating arithmetic integer modulo 97 (must equal 1).

## Specification Matrix
| Attribute | Value | Description |
| --- | --- | --- |
| Country Code | SC | ISO 3166-1 alpha-2 |
| Total IBAN Length | 31 characters | Fixed standard length |
| BBAN Format | 4a20n3a | National structure (n=numeric, a=alpha, c=alphanumeric) |
| SEPA Zone | No | SEPA compliance status |
| Currency (ISO 4217) | SCR | National settlement currency |
| Bank Code Position | BBAN Offset 0 (4 chars) | National clearing code |
| Branch Code Position | BBAN Offset 4 (2 chars) | Branch identification |

## Standard JSON Response Model
```json
{
  "valid": true,
  "iban": "SC00...",
  "countryCode": "SC",
  "countryName": "Seychelles",
  "length": 31,
  "bban": "4a20n3a",
  "sepa": false,
  "checksumValid": true,
  "bankCode": "XXXX"
}
```

## Frequently Asked Questions & Edge Cases
### Q: How many characters is an IBAN in Seychelles?
**A:** An official IBAN in Seychelles (SC) is exactly 31 characters in length. Any shorter or longer value fails ISO 13616 validation.

### Q: Is Seychelles part of the SEPA payment network?
**A:** Seychelles is not a SEPA participant and relies on SWIFT/BIC wire routing.

### Q: What currency are Seychelles IBAN transfers settled in?
**A:** IBAN transfers for Seychelles (SC) settle in SCR, the national settlement currency. Cross-border SEPA transfers to Seychelles may still be denominated in EUR where both banks support the scheme.

### Q: How is the MOD-97 check digit calculated for SC IBANs?
**A:** The first 4 characters are moved to the end, letters are converted to numbers (A=10 to Z=35), and the resulting number is evaluated with modulo 97 arithmetic. A valid IBAN yields a remainder of exactly 1.