Calculating CIN Introduction CIN stand for Control Internal Number: it is a check character needed to verify the correctness of ABI and CAB code as well as the bank account number. CIN has been introduced at the beginning of the 90s and is still retained as part of the IBAN code.
How to calculate it ABI and CAB codes are two numerical 5 digit-long field. The account number is a 1 to 12 long alphanumerical field: it can contains numbers, letters from English alphabet, the dash (-) and the point (.) characters. For our example we'll use the following data: ●
ABI: 03069
●
CAB: 33990
●
Account number: 4113-1
The first step to calculate the CIN is to join these three field in one single 22 characters long field. The first 10 chars are the simple concatenation of ABI and CAB, while the last 12 are made by left-padding the account number filling the space with blank ( ) character. Please note: It was common in the past for the banks to make account numbers with dashes inside and with just a small lengths. In more recent times almost all the banks are creating accounts that are made just of digits that are right aligned with zeros (0). In this case, the field should be simply assumed of 12 digits in length and directly concatenated to ABI and CAB. So in our example: Pos
01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16
Value
0
3
0
6
9
3
3
9
9
0
4
1
1
3
-
1
17
18
19
20
21
22
␢
␢
␢
␢
␢
␢
The next step is to assign a value to every character in the field. The characters in even position ands the ones in odd position has to be evaluated with two different tables Even Position
Odd Position
Letter
Digit
Value
Letter
Digit
Value
A
0
0
A
0
1
B
1
1
B
1
0
C
2
2
C
2
5
D
3
3
D
3
7
E
4
4
E
4
9
F
5
5
F
5
13
G
6
6
G
6
15
H
7
7
H
7
17
I
8
8
I
8
19
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J
9
9
J
9
21
K
10
K
2
L
11
L
4
M
12
M
18
N
13
N
20
O
14
O
11
P
15
P
3
Q
16
Q
6
R
17
R
8
S
18
S
12
T
19
T
14
U
20
U
16
V
21
V
10
W
22
W
22
X
23
X
25
Y
24
Y
24
Z
25
Z
23
-
26
-
27
.
27
.
28
␢
28
␢
26
The values are to be added together. Let's now evaluate the code from our example: Pos
01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16
Value
0
Odd
1
Even
3
0
6
1 3
SubT
9
3
21 6
32
3
9
7 3
9
0
21 9
4
1
9 0
1
3
0 1
-
1
27 3
17
18
19
20
21
22
␢
␢
␢
␢
␢
␢
26 1
40
26 28
26 28
28
203
The grand total is 275, we'll now proceed calculating the rest on division by 26:
275 mod 26 = 15 The CIN is the letter corresponding to the rest in the previous “Even position” table. So 15 correspond to letter P which is the CIN we were looking for.
Solved examples ABI
CAB
Account
CIN
03069
33990
000004113130
R
03069
33990
4113-1
P
06070
33990
4113-1
Z
03062
34210
000000784731
E
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