SEPA Creditor Identifier (CI) Regex for PHP

What this pattern does

This page provides a well-structured, multi-part regular expression for matching sepa creditor identifier (ci), ported and verified for PHP. Financial data validation has zero tolerance for false negatives — a missed invalid entry can corrupt downstream calculations. The snippet below is ready to drop into your PHP project — whether you're validating in a Laravel validator, a WordPress plugin, or a standalone PHP script.

Php Implementation

<?php
// SEPA Creditor Identifier (CI)
// ReDoS-safe | RegexVault — Finance > Bank Identifiers

define('SEPA_CREDITOR_IDENTIFIER_CI_PATTERN', '/^[A-Z]{2}[0-9]{2}(?:ZZZ|[A-Z]{3})[A-Z0-9]{1,28}$/');

function validate_sepa_creditor_identifier_ci(string $input): bool {
    return (bool) preg_match(SEPA_CREDITOR_IDENTIFIER_CI_PATTERN, $input);
}

// Example
var_dump(validate_sepa_creditor_identifier_ci("DE98ZZZ09999999999")); // bool(true)

Test Cases

When to use this pattern

This pattern is drawn from the Finance > Bank Identifiers category and carries a ReDoS-safe certification. That matters for PHP developers because especially relevant in PHP where PCRE backtracking limits can trigger silent failures on malicious input. RegexVault audits patterns against known backtracking attack vectors, ensuring you have the necessary context before using this regex in a high-stakes production environment.

Common Pitfalls

Technical Notes

Structure: 2-char country code + 2 check digits + 3-char creditor business code (ZZZ if not assigned) + national identifier. Check digits use same MOD-97 algorithm as IBAN.