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The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors. An IBAN uniquely identifies the account of a customer at a financial institution^{[citation needed]}. It was originally adopted by the European Committee for Banking Standards (ECBS) and since 1997 as the international standard ISO 13616 under the International Organization for Standardization (ISO). The current version is ISO 13616:2020, which indicates the Society for Worldwide Interbank Financial Telecommunication (SWIFT) as the formal registrar. Initially developed to facilitate payments within the European Union, it has been implemented by most European countries and numerous countries in other parts of the world, mainly in the Middle East and the Caribbean. As of May 2020, 77 countries were using the IBAN numbering system.^[1]

The IBAN consists of up to 34 alphanumeric characters comprising a country code; two check digits; and a number that includes the domestic bank account number, branch identifier, and potential routing information. The check digits enable a check of the bank account number to confirm its integrity before submitting a transaction.

Background[edit]

Before IBAN, differing national standards for bank account identification (i.e. bank, branch, routing codes, and account number) were confusing for some users. This often led to necessary routing information being missing from payments. Routing information as specified by ISO 9362 (also known as Business Identifier Codes (BIC), SWIFT ID or SWIFT code, and SWIFT-BIC) does not require a specific format for the transaction so the identification of accounts and transaction types is left to agreements of the transaction partners. It also does not contain check digits, so errors of transcription were not detectable and it was not possible for a sending bank to validate the routing information prior to submitting the payment. Routing errors caused delayed payments and incurred extra costs to the sending and receiving banks and often to intermediate routing banks.^[2]

In 1997, to overcome these difficulties, the International Organization for Standardization (ISO) published ISO 13616:1997.^[3] This proposal had a degree of flexibility that the European Committee for Banking Standards (ECBS) believed would make it unworkable, and they produced a «slimmed down» version of the standard which, amongst other things, permitted only upper-case letters and required that the IBAN for each country have a fixed length.^[4] ISO 13616:1997 was subsequently withdrawn and replaced by ISO 13616:2003.^[3] The standard was revised again in 2007 when it was split into two parts. ISO 13616-1:2007 «specifies the elements of an international bank account number (IBAN) used to facilitate the processing of data internationally in data interchange, in financial environments as well as within and between other industries» but «does not specify internal procedures, file organization techniques, storage media, languages, etc. to be used in its implementation».^[5] ISO 13616-2:2007 describes «the Registration Authority (RA) responsible for the registry of IBAN formats that are compliant with ISO 13616-1 [and] the procedures for registering ISO 13616-compliant IBAN formats».^[6] The official IBAN registrar under ISO 13616-2:2007 is SWIFT.^[7]

IBAN imposes a flexible but regular format sufficient for account identification and contains validation information to avoid errors of transcription. It carries all the routing information needed to get a payment from one bank to another wherever it may be; it contains key bank account details such as country code, branch codes (known as sort codes in the UK and Ireland) and account numbers, and it contains check digits which can be validated at source according to a single standard procedure.^[8] Where used, IBANs have reduced trans-national money transfer errors to under 0.1% of total payments

Structure[edit]

The IBAN consists of up to 34 alphanumeric characters, as follows:

• country code using ISO 3166-1 alpha-2 – two letters,
• check digits – two digits, and
• Basic Bank Account Number (BBAN) – up to 30 alphanumeric characters that are country-specific.^[1]

The check digits represent the checksum of the bank account number which is used by banking systems to confirm that the number contains no simple errors.

In order to facilitate reading by humans, IBANs are traditionally expressed in groups of four characters separated by spaces, the last group being of variable length as shown in the example below; when transmitted electronically however spaces are omitted.^[1]

Irish IBAN

Human readable	IE12 BOFI 9000 0112 3456 78
Machine readable	IE12BOFI90000112345678

Permitted IBAN characters are the digits 0 to 9 and the 26 Latin alphabetic characters A to Z.^[9] This applies even in countries where these characters are not used in the national language (e.g. Greece).

Basic Bank Account Number[edit]

The Basic Bank Account Number (BBAN) format is decided by the national central bank or designated payment authority of each country. There is no consistency between the formats adopted. The national authority may register its BBAN format with SWIFT but is not obliged to do so. It may adopt IBAN without registration. SWIFT also acts as the registration authority for the SWIFT system, which is used by most countries that have not adopted IBAN. A major difference between the two systems is that under SWIFT there is no requirement that BBANs used within a country be of a pre-defined length.

The BBAN must be of a fixed length for the country and comprise case-insensitive alphanumeric characters. It includes the domestic bank account number, branch identifier, and potential routing information. Each country can have a different national routing/account numbering system, up to a maximum of 30 alphanumeric characters.

Check digits[edit]

The check digits enable the sending bank (or its customer) to perform a sanity check of the routing destination and account number from a single string of data at the time of data entry.^[4] This check is guaranteed to detect any instances where a single character has been omitted, duplicated, mistyped or where two characters have been transposed. Thus routing and account number errors are virtually eliminated.^[9]

Processing[edit]

One of the design aims of the IBAN was to enable as much validation as possible to be done at the point of data entry.^[10] In particular, the computer program that accepts an IBAN will be able to validate:

• Country code
• Number of characters in the IBAN correspond to the number specified for the country code
• BBAN format specified for the country code
• Account number, bank code and country code combination is compatible with the check digits

The check digits are calculated using MOD-97-10 as per ISO/IEC 7064:2003^[9] (abbreviated to mod-97 in this article), which specifies a set of check character systems capable of protecting strings against errors which occur when people copy or key data. In particular, the standard states that the following can be detected:

• All single substitution errors (the substitution of a single character for another, for example 4234 for 1234)
• All or nearly all single (local) transposition errors (the transposition of two single characters, either adjacent or with one character between them, for example 12354 or 12543 for 12345)
• All or nearly all shift errors (shifts of the whole string to the left or right)
• High proportion of double substitution errors (two separate single substitution errors in the same string, for example 7234587 for 1234567)
• High proportion of all other errors

The underlying rules for IBANs is that the account-servicing financial institution should issue an IBAN, as there are a number of areas where different IBANs could be generated from the same account and branch numbers that would satisfy the generic IBAN validation rules. In particular cases where 00 is a valid check digit, 97 will not be a valid check digit, likewise, if 01 is a valid check digit, 98 will not be a valid check digit, similarly with 02 and 99.

The UN CEFACT TBG5 has published a free IBAN validation service in 32 languages for all 57 countries^{[needs update]} that have adopted the IBAN standard.^[11] They have also published the Javascript source code of the verification algorithm.^[12]

An English language IBAN checker for ECBS member country bank accounts is available on its website.^[13]

Algorithms[edit]

Validating the IBAN[edit]

An IBAN is validated by converting it into an integer and performing a basic mod-97 operation (as described in ISO 7064) on it. If the IBAN is valid, the remainder equals 1.^{[Note 1]} The algorithm of IBAN validation is as follows:^[8]

1. Check that the total IBAN length is correct as per the country. If not, the IBAN is invalid
2. Move the four initial characters to the end of the string
3. Replace each letter in the string with two digits, thereby expanding the string, where A = 10, B = 11, …, Z = 35
4. Interpret the string as a decimal integer and compute the remainder of that number on division by 97

If the remainder is 1, the check digit test is passed and the IBAN might be valid.

Example (fictitious United Kingdom bank, sort code 12-34-56, account number 98765432):

• IBAN:		GB82 WEST 1234 5698 7654 32
• Rearrange:		W E S T12345698765432 G B82
• Convert to integer:		3214282912345698765432161182
• Compute remainder:		3214282912345698765432161182	mod 97 = 1

Generating IBAN check digits[edit]

According to the ECBS «generation of the IBAN shall be the exclusive responsibility of the bank/branch servicing the account».^[8] The ECBS document replicates part of the ISO/IEC 7064:2003 standard as a method for generating check digits in the range 02 to 98. Check digits in the ranges 00 to 96, 01 to 97, and 03 to 99 will also provide validation of an IBAN, but the standard is silent as to whether or not these ranges may be used.

The preferred algorithm is:^[8]

1. Check that the total IBAN length is correct as per the country. If not, the IBAN is invalid.
2. Replace the two check digits by 00 (e.g., GB00 for the UK).
3. Move the four initial characters to the end of the string.
4. Replace the letters in the string with digits, expanding the string as necessary, such that A or a = 10, B or b = 11, and Z or z = 35. Each alphabetic character is therefore replaced by 2 digits
5. Convert the string to an integer (i.e. ignore leading zeroes).
6. Calculate mod-97 of the new number, which results in the remainder.
7. Subtract the remainder from 98 and use the result for the two check digits. If the result is a single-digit number, pad it with a leading 0 to make a two-digit number.

Modulo operation on IBAN[edit]

Any computer programming language or software package that is used to compute D mod 97 directly must have the ability to handle integers of more than 30 digits. In practice, this can only be done by software that either supports arbitrary-precision arithmetic or that can handle 219-bit (unsigned) integers,^{[Note 2]} features that are often not standard. If the application software in use does not provide the ability to handle integers of this size, the modulo operation can be performed in a piece-wise manner (as is the case with the UN CEFACT TBG5 JavaScript program).

Piece-wise calculation D mod 97 can be done in many ways. One such way is as follows:^[14]

1. Starting from the leftmost digit of D, construct a number using the first 9 digits and call it N.^{[Note 3]}
2. Calculate N mod 97.
3. Construct a new 9-digit N by concatenating the above result (step 2) with the next 7 digits of D. If there are fewer than 7 digits remaining in D but at least one, then construct a new N, which will have less than 9 digits, from the above result (step 2) followed by the remaining digits of D
4. Repeat steps 2–3 until all the digits of D have been processed

The result of the final calculation in step 2 will be D mod 97 = N mod 97.

Example[edit]

In this example, the above algorithm for D mod 97 will be applied to D = 3214282912345698765432161182. (The digits are colour-coded to aid the description below.) If the result is one, the IBAN corresponding to D passes the check digit test.

1. Construct N from the first 9 digits of D

   N = 321428291

2. Calculate N mod 97 = 70
3. Construct a new 9-digit N from the above result (step 2) followed by the next 7 digits of D.

   N = 702345698

4. Calculate N mod 97 = 29
5. Construct a new 9-digit N from the above result (step 4) followed by the next 7 digits of D.

   N = 297654321

6. Calculate N mod 97 = 24
7. Construct a new N from the above result (step 6) followed by the remaining 5 digits of D.

   N = 2461182

8. Calculate N mod 97 = 1

From step 8, the final result is D mod 97 = 1 and the IBAN has passed this check digit test.

National check digits[edit]

In addition to the IBAN check digits, many countries have their own national check digits used within the BBAN, as part of their national account number formats. Each country determines its own algorithm used for assigning and validating the national check digits — some relying on international standards, some inventing their own national standard, and some allowing each bank to decide if or how to implement them. Some algorithms apply to the entire BBAN, and others to one or more of the fields within it. The check digits may be considered an integral part of the account number, or an external field separate from the account number, depending on the country’s rules.

Most of the variations used are based on two categories of algorithms:

— ISO 7064 MOD-97-10: Treat the account number as a large integer, divide it by 97 and use the remainder or its complement as the check digit(s).

— Weighted Sum: Treat the account number as a series of individual numbers, multiply each number by a weight value according to its position in the string, sum the products, divide the sum by a modulus (usually 10 or 11) and use the remainder or its complement as the check digit.

In both cases, there may first be a translation from alphanumeric characters to numbers using conversion tables.
The complement, if used, means the remainder r is subtracted from a fixed value, usually the modulus or the modulus plus one (with the common exception that a remainder of 0 results in 0, denoted as 0 → 0,as opposed to e.g. 0 → 97 meaning that if the reminder is zero the checksum is 97).
Note that some national specifications define the weights order from right to left, but since the BBAN length in the IBAN is fixed, they can be used from left to right as well.

Country	Algorithm	Weights	Modulo	Complement	Comments
Albania[15]	Weighted	9, 7, 3, 1, 9, 7, 3, 1	10	10 − r, 0 → 0	Applies only to the bank code + branch code fields.
Belgium[16]	ISO 7064 MOD-97-10 (variant)		97	r, 0 → 97	Applied to bank code + account number.
Bosnia and Herzegovina[17]	ISO 7064 MOD-97-10		97	98 − r
Croatia[16]	ISO 7064 MOD-11-10		11, 10	11 − r	Calculated separately for the bank code (seven digits) and account number (ten digits). Both should be 9.
Czech Republic[16]	Weighted	6, 3, 7, 9, 10, 5, 8, 4, 2, 1	11	11 − r, 0 → 0	Calculated separately for the account number (ten digits) and branch number (six digits, using the last six weights). Both should be 0.
East Timor	ISO 7064 MOD-97-10		97	98 − r	Applied to the whole bban (bank code concatenated with account number) appended with «00».
Estonia[16][18][19]	Weighted	7, 1, 3, 7, 1, 3, 7, 1, 3, 7, 1, 3, 7	10	10 − r, 0 → 0	Applies only to the branch code + account number fields (ignoring the bank code). Before multiplying by weights the resulting part of IBAN (i.e. branch code + account number) is reversed.
Finland[16]	Luhn	2, 1, 2, 1, 2, 1, 2, 1, 2, 1, 2, 1, 2	10	10 − r, 0 → 0	Uses the Luhn Algorithm, where the sum is taken of the individual digits of the multiplication products rather than the products themselves.
France[16]	ISO 7064 MOD-97-10 (variant)		97	97 − r	The mapping form characters to coefficients is non-standard: the digits 0–9 are converted to their respective values, letters ‘A–I’ converted to 1–9, letters J–R converted to 1–9 and letters S–Z converted to 2–9, respectively. After the transliteration, the part of IBAN is read as number. This is performed for bank code, branch code, and account number. Each of them is then multiplied by the proper multiplier (89, 15, 3) respectively. The three numbers are then summed and the algorithm is performed on the result of this summation.
Hungary[16]	Weighted	9, 7, 3, 1, 9, 7, 3, 1, 9, 7, 3, 1, 9, 7, 3, 1	10	10 − r, 0 → 0	There are two separate check digits—one for the bank code + branch code, and one for the account number, each calculated separately.
Iceland[16]	Weighted	3, 2, 7, 6, 5, 4, 3, 2	11	11 − r, 0 → 0	Applies only to the first eight digits of the national identification number (kennitala), with the check digit stored at the 9th.
Italy[16]	Conversion + Sum		26	r	Characters are converted to digits using two different conversion tables, one for odd positions and one for even positions (the first character is considered odd). Odd-positioned digits 0–9 are converted to their respective values in the sequence 1, 0, 5, 7, 9, 13, 15, 17, 19, 21, and characters in the range A–Z are converted to 1, 0, 5, 7, 9, 13, 15, 17, 19, 21, 2, 4, 18, 20, 11, 3, 6, 8, 12, 14, 16, 10, 22, 25, 24, 23 respectively. Even-positioned characters are converted using the natural zero-based value, i.e. digits 0–9 converted to the respective numbers 0–9, and letters A–Z to the range 0–25. After conversion the numbers are summed (without weights), and the result taken modulo 26. This is then converted back into a single letter in the range A–Z (in natural order) which is used as the check digit (or rather, check character).
North Macedonia[16]	ISO 7064 MOD-97-10		97	98 − r
Mauritania	ISO 7064 MOD-97-10 (variant)		97	97 − r
Monaco[16]	ISO 7064 MOD-97-10 (variant)		97	97 − r	Uses the same algorithm as France.
Montenegro[16]	ISO 7064 MOD-97-10		97	98 − r
Norway[16]	Weighted	5, 4, 3, 2, 7, 6, 5, 4, 3, 2	11	11 − r, 0 → 0, 1 → invalid	If the first two digits of the account number (not the bank code) are both zeros, then the calculation applies only to the remaining four digits of the account number, otherwise it applies to the entire BBAN (bank code + account number).
Poland[16][20]	Weighted	3, 9, 7, 1, 3, 9, 7	10	10 − r, 0 → 0	Applies only to the bank code + branch code (without the account number).
Portugal[16]	ISO 7064 MOD-97-10		97	98 − r
San Marino[16]	Conversion + Sum		26	r	Uses the same algorithm as Italy.
Serbia[16]	ISO 7064 MOD-97-10		97	98 − r
Slovakia[16]	Weighted	6, 3, 7, 9, 10, 5, 8, 4, 2, 1	11	11 − r, 0 → 0	Calculated separately for the account number (ten digits) and branch number (six digits, using the last six weights). Same as Czech Republic.
Slovenia[16]	ISO 7064 MOD-97-10		97	98 − r
Spain[16]	Weighted	1, 2, 4, 8, 5, 10, 9, 7, 3, 6	11	11 − r, 0 → 0, 1 → 1	There are two separate check digits—one for the bank code + branch code, and one for the account number, each calculated separately. The account number is ten characters long and uses all of the weights, whereas the bank code + branch code are eight characters long and thus use only the last eight weights in the calculation (or equivalently, pad with two zeros on the left and use the ten weights).
Tunisia[16]	ISO 7064 MOD-97-10 (variant)		97	97 − r

Adoption[edit]

International bank transactions use either an IBAN or the ISO 9362 Business Identifier Code system (BIC or SWIFT code) in conjunction with the BBAN (Basic Bank Account Number).^[21]

EEA and territories[edit]

The banks of most countries in Europe publish account numbers using both the IBAN format and the nationally recognised identifiers, this being mandatory within the European Economic Area.^[22]

Day-to-day administration of banking in British Overseas Territories varies from territory to territory; some, such as South Georgia and the South Sandwich Islands, have too small a population to warrant a banking system while others, such as Bermuda, have a thriving financial sector.^[23] The use of the IBAN is up to the local government—Gibraltar, formerly part of the European Union is required to use the IBAN,^[22] as are the Crown Dependencies, which use the British clearing system,^[24] and the British Virgin Islands have chosen to do so. As of April 2013, no other British Overseas Territories have chosen to use the IBAN.^[1] Banks in the Caribbean Netherlands also do not use the IBAN.

Single Euro Payments Area[edit]

The IBAN designation scheme was chosen as the foundation for electronic straight-through processing in the European Economic Area. The European Parliament mandated that a bank charge needs to be the same amount for domestic credit transfers as for cross-border credit transfers regulated in decision 2560/2001 (updated in 924/2009).^[22] This regulation took effect in 2003. Only payments in euro up to €12,500 to a bank account designated by its IBAN were covered by the regulation, not payments in other currencies.

The Euro Payments regulation was the foundation for the decision to create a Single Euro Payments Area (SEPA). The European Central Bank has created the TARGET2 interbank network that unifies the technical infrastructure of the 26 central banks of the European Union (although Sweden has opted out). SEPA is a self-regulatory initiative by the banking sector of Europe as represented in the European Payments Council (EPC). The European Union made the scheme mandatory through the Payment Services Directive published in 2007. Since January 2008, all countries were required to support SEPA credit transfer, and SEPA direct debit was required to be supported since November 2009. The regulation on SEPA payments increased the charge cap (same price for domestic payments as for cross-border payments) to €50,000.

With a further decision of the European Parliament, the IBAN scheme for bank accounts fully replaced the domestic numbering schemes from 31 December 2012.^[25] On 16 December 2010, the European Commission published regulations that made IBAN support mandatory for domestic credit transfer by 2013 and for domestic direct debit by 2014 (with a 12 and 24 months transition period respectively).^[26] Some countries had already replaced their traditional bank account scheme by IBAN. This included Switzerland where IBAN was introduced for national credit transfer on 1 January 2006 and the support for the old bank account numbers was not required from 1 January 2010.^[27]

Based on a 20 December 2011 memorandum,^[28] the EU parliament resolved the mandatory dates for the adoption of the IBAN on 14 February 2012.^[29] On 1 February 2014, all national systems for credit transfer and direct debit were abolished and replaced by an IBAN-based system.^[29] This was then extended to all cross-border SEPA transactions on 1 February 2016 (Article 5 Section 7).^[29] After these dates the IBAN is sufficient to identify an account for home and foreign financial transactions in SEPA countries and banks are no longer permitted to require that the customer supply the BIC for the beneficiary’s bank.

In the run-up to the 1 February 2014 deadline, it became apparent that many old bank account numbers had not been allocated IBANs—an issue that was addressed on a country-by-country basis. In Germany, for example, Deutsche Bundesbank and the German Banking Industry Committee required that all holders of German bank codes («Bankleitzahl») published the specifics of their IBAN generation format taking into account not only the generation of check digits but also the handling of legacy bank codes, thereby enabling third parties to generate IBANs independently of the bank.^[30] The first such catalogue was published in June 2013 as a variant of the old bank code catalog («Bankleitzahlendatei»).^[31]

Non-EEA[edit]

Banks in numerous non-European countries including most states of the Middle East, North Africa and the Caribbean have implemented the IBAN format for account identification.^[1] In some countries the IBAN is used on an ad hoc basis, an example was Ukraine where account numbers used for international transfers by some domestic banks had additional aliases that followed the IBAN format as a precursor to formal SWIFT registration.^[32] This practice in Ukraine ended on 1 November 2019 when all Ukrainian banks had fully switched to the IBAN standard.^[33]

The degree to which a bank verifies the validity of a recipient’s bank account number depends on the configuration of the transmitting bank’s software—many major software packages supply bank account validation as a standard function.^[34] Some banks outside Europe may not recognize IBAN, though this is expected to diminish with time. Non-European banks usually accept IBANs for accounts in Europe, although they might not treat IBANs differently from other foreign bank account numbers. In particular, they might not check the IBAN’s validity prior to sending the transfer.^[35]

Banks in the United States do not use IBAN as account numbers for U.S. accounts and use ABA routing transit numbers.^[36] Any adoption of the IBAN standard by U.S. banks would likely be initiated by ANSI ASC X9, the U.S. financial services standards development organization: a working group (X9B20) was established as an X9 subcommittee to generate an IBAN construction for U.S. bank accounts.^[37]

Canadian financial institutions have not adopted IBAN and use routing numbers issued by Payments Canada for domestic transfers, and SWIFT for international transfers. There is no formal governmental or private sector regulatory requirement in Canada for the major banks to use IBAN.

Australia and New Zealand do not use IBAN. They use Bank State Branch codes for domestic transfers and SWIFT for international transfers.^[38]

IBAN formats by country[edit]

This table summarises the IBAN formats by country:^[1]

• The kk after the two-character ISO country code represents the check digits calculated from the rest of the IBAN characters. If it is a constant for the country concerned, this will be stated in the Comments column. This happens where the BBAN has its own check digits that use the same algorithm as the IBAN check digits
• The BBAN format column shows the format of the BBAN part of an IBAN in terms of upper case alpha characters (A–Z) denoted by «a», numeric characters (0–9) denoted by «n» and mixed case alphanumeric characters (a–z, A–Z, 0–9) denoted by «c». For example, the Bulgarian BBAN (4a,6n,8c) consists of 4 alpha characters, followed by 6 numeric characters, then by 8 mixed-case alpha-numeric characters
• Descriptions in the Comments field have been standardised with country-specific names in brackets. The format of the various fields can be deduced from the BBAN field

Country	Chars	BBAN Format	IBAN Fields	Comment
Albania	28	8n,16c	ALkk bbbs sssx cccc cccc cccc cccc	b = National bank code s = Branch code x = National check digit c = Account number
Andorra	24	8n,12c	ADkk bbbb ssss cccc cccc cccc	b = National bank code s = Branch code c = Account number
Austria	20	16n	ATkk bbbb bccc cccc cccc	b = National bank code c = Account number
Azerbaijan	28	4a,20c	AZkk bbbb cccc cccc cccc cccc cccc	b = National bank code c = Account number
Bahrain	22	4a,14c	BHkk bbbb cccc cccc cccc cc	b = National bank code c = Account number
Belarus	28	4c, 4n, 16c	BYkk bbbb aaaa cccc cccc cccc cccc	b = National bank or branch code a = Balance account number c = Account number
Belgium	16	12n	BEkk bbbc cccc ccxx	b = National bank code c = Account number x = National check digits
Bosnia and Herzegovina	20	16n	BAkk bbbs sscc cccc ccxx	k = IBAN check digits (always «39») b = National bank code s = Branch code c = Account number x = National check digits
Brazil	29	23n,1a,1c	BRkk bbbb bbbb ssss sccc cccc ccct n	b = National bank code s = Branch code c = Account number t = Account type (cheque account, savings account etc.) n = Owner account number («1», «2» etc.)[39]
Bulgaria	22	4a,6n,8c	BGkk bbbb ssss ttcc cccc cc	b = BIC bank code s = Branch (BAE) number t = Account type c = Account number
Costa Rica	22	18n	CRkk 0bbb cccc cccc cccc cc	0 = always zero b = bank code c = Account number
Croatia	21	17n	HRkk bbbb bbbc cccc cccc c	b = Bank code c = Account number
Cyprus	28	8n,16c	CYkk bbbs ssss cccc cccc cccc cccc	b = National bank code s = Branch code c = Account number
Czech Republic	24	20n	CZkk bbbb pppp sscc cccc cccc	b = National bank code p = Account number prefix c = Account number
Denmark	18	14n	DKkk bbbb cccc cccc cx	b = National bank code c = Account number x = National check digit
Dominican Republic	28	4a,20n	DOkk bbbb cccc cccc cccc cccc cccc	b = Bank identifier c = Account number
East Timor	23	19n	TLkk bbbc cccc cccc cccc cxx	k = IBAN check digits (always = «38») b = Bank identifier c = Account number x = National check digits
Egypt	29	25n	EGkk bbbb ssss cccc cccc cccc cccc c	b = National bank code s = Branch code c = Account number
El Salvador	28	4a, 20n	SVkk bbbb cccc cccc cccc cccc cccc	b = National bank code c = Account number
Estonia	20	16n	EEkk bbss cccc cccc cccx	b = National bank code s = Branch code c = Account number x = National check digit
Faroe Islands[Note 4]	18	14n	FOkk bbbb cccc cccc cx	b = National bank code c = Account number x = National check digit
Finland	18	14n	FIkk bbbb bbcc cccc cx	b = Bank and branch code c = Account number x = National check digit
France[Note 5]	27	10n,11c,2n	FRkk bbbb bsss sscc cccc cccc cxx	b = National bank code s = Branch code (code guichet [fr]) c = Account number x = National check digits (clé RIB [fr])
Georgia	22	2c,16n	GEkk bbcc cccc cccc cccc cc	b = National bank code c = Account number
Germany	22	18n	DEkk bbbb bbbb cccc cccc cc	b = Bank and branch identifier (Bankleitzahl or BLZ) c = Account number
Gibraltar	23	4a,15c	GIkk bbbb cccc cccc cccc ccc	b = BIC bank code c = Account number
Greece	27	7n,16c	GRkk bbbs sssc cccc cccc cccc ccc	b = National bank code s = Branch code c = Account number
Greenland[Note 4]	18	14n	GLkk bbbb cccc cccc cx	b = National bank code c = Account number x = National check digit
Guatemala	28	4c,20c	GTkk bbbb mmtt cccc cccc cccc cccc	b = National bank code c = Account number m = Currency code t = Account type
Hungary	28	24n	HUkk bbbs sssx cccc cccc cccc cccx	b = National bank code s = Branch code c = Account number x = National check digit
Iceland	26	22n	ISkk bbss ttcc cccc iiii iiii ii	b = National bank code s = Branch code t = Account type c = Account number i = Account holder’s kennitala (national identification number)
Iraq	23	4a,15n	IQkk bbbb sssc cccc cccc ccc	b = National bank code s = Branch code c = Account number
Ireland	22	4c,14n	IEkk qqqq bbbb bbcc cccc cc	q = BIC bank code b = Bank/branch code (sort code) c = Account number
Israel	23	19n	ILkk bbbs sscc cccc cccc ccc	b = National bank code s = Branch code c = Account number 13 digits (padded with zeros)
Italy	27	1a,10n,12c	ITkk xbbb bbss sssc cccc cccc ccc	x = Check character (CIN [it]) b = National bank code (Associazione Bancaria Italiana or Codice ABI) s = Branch code (Coordinate bancarie [it] or CAB – Codice d’Avviamento Bancario) c = Account number
Jordan	30	4a,22n	JOkk bbbb ssss cccc cccc cccc cccc cc	b = National bank code s = Branch code c = Account number
Kazakhstan	20	3n,13c	KZkk bbbc cccc cccc cccc	b = National bank code c = Account number
Kosovo	20	4n,10n,2n	XKkk bbbb cccc cccc cccc	b = National bank code c = Account number
Kuwait	30	4a,22c	KWkk bbbb cccc cccc cccc cccc cccc cc	b = National bank code c = Account number.
Latvia	21	4a,13c	LVkk bbbb cccc cccc cccc c	b = BIC bank code c = Account number
Lebanon	28	4n,20c	LBkk bbbb cccc cccc cccc cccc cccc	b = National bank code c = Account number
Libya	25	21n	LYkk bbbs sscc cccc cccc cccc c	b = National bank code s = Branch code c = Account number
Liechtenstein	21	5n,12c	LIkk bbbb bccc cccc cccc c	b = National bank code c = Account number
Lithuania	20	16n	LTkk bbbb bccc cccc cccc	b = National bank code c = Account number
Luxembourg	20	3n,13c	LUkk bbbc cccc cccc cccc	b = National bank code c = Account number
North Macedonia	19	3n,10c,2n	MKkk bbbc cccc cccc cxx	k = IBAN check digits (always = «07») b = National bank code c = Account number x = National check digits
Malta	31	4a,5n,18c	MTkk bbbb ssss sccc cccc cccc cccc ccc	b = BIC bank code s = Branch code c = Account number
Mauritania	27	23n	MRkk bbbb bsss sscc cccc cccc cxx	k = IBAN check digits (always «13») b = National bank code s = Branch code (code guichet [fr]) c = Account number x = National check digits (clé RIB [fr])
Mauritius	30	4a,19n,3a	MUkk bbbb bbss cccc cccc cccc 000m mm	b = National bank code s = Branch identifier c = Account number 0 = Zeroes m = Currency code
Monaco	27	10n,11c,2n	MCkk bbbb bsss sscc cccc cccc cxx	b = National bank code s = Branch code (code guichet [fr]) c = Account number x = National check digits (clé RIB [fr]‘).
Moldova	24	2c,18c	MDkk bbcc cccc cccc cccc cccc	b = National bank code c = Account number
Montenegro	22	18n	MEkk bbbc cccc cccc cccc xx	k = IBAN check digits (always = «25») b = Bank code c = Account number x = National check digits
Netherlands[Note 6]	18	4a,10n	NLkk bbbb cccc cccc cc	b = BIC Bank code c = Account number
Norway	15	11n	NOkk bbbb cccc ccx	b = National bank code c = Account number x = Modulo-11 national check digit
Pakistan	24	4c,16n	PKkk bbbb cccc cccc cccc cccc	b = National bank code c = Account number
Palestinian territories	29	4c,21n	PSkk bbbb cccc cccc cccc cccc cccc c	b = National bank code c = Account number
Poland	28	24n	PLkk bbbs sssx cccc cccc cccc cccc	b = National bank code s = Branch code x = National check digit c = Account number,
Portugal	25	21n	PTkk bbbb ssss cccc cccc cccx x	k = IBAN check digits (always = «50») b = National bank code (numeric only) s = Branch code (numeric only) c = Account number (numeric only) x = National check digits (numeric only)
Qatar	29	4a,21c	QAkk bbbb cccc cccc cccc cccc cccc c	b = National bank code c = Account number[40]
Romania	24	4a,16c	ROkk bbbb cccc cccc cccc cccc	b = BIC Bank code (first four alpha characters) c = Branch code and account number (bank-specific format)
Russia (effective April 2023)[1]	33	14n,15c	RUkk bbbb bbbb bsss sscc cccc cccc cccc c	b = Bank code s = Branch code c = Account number
Saint Lucia	32	4a,24c	LCkk bbbb cccc cccc cccc cccc cccc cccc	b = Bank code c = Account number
San Marino	27	1a,10n,12c	SMkk xbbb bbss sssc cccc cccc ccc	x = Check character (CIN [it]) b = National bank code (Associazione bancaria italiana or Codice ABI) s = Branch code (Coordinate bancarie [it] or CAB – Codice d’Avviamento Bancario) c = Account number
São Tomé and Príncipe	25	21n	STkk bbbb ssss cccc cccc cccc c	b = National bank code s = Branch number c = Account number
Saudi Arabia	24	2n,18c	SAkk bbcc cccc cccc cccc cccc	b = National bank code c = Account number preceded by zeros, if required
Serbia	22	18n	RSkk bbbc cccc cccc cccc xx	k = IBAN check digits (always = «35») b = National bank code c = Account number x = Account check digits
Seychelles	31	4a,20n,3a	SCkk bbbb bb ss cccc cccc cccc cccc mmm	b = Bank code s = Branch code c = Account number m = Currency code
Slovakia	24	20n	SKkk bbbb pppp sscc cccc cccc	b = National bank code p = Account number prefix c = Account number
Slovenia	19	15n	SIkk bbss sccc cccc cxx	k = IBAN check digits (always = «56») b = National bank code s = Branch code c = Account number x = National check digits
Spain	24	20n	ESkk bbbb ssss xxcc cccc cccc	kk = Iban check digits code b = National bank s = Branch code x = Check digits c = Account number
Sudan	18	14n	SDkk bbcc cccc cccc cc	k = IBAN check digits b = National bank code c = Account number
Sweden	24	20n	SEkk bbbc cccc cccc cccc cccx	b = National bank code c = Account number x = Check digits
Switzerland	21	5n,12c	CHkk bbbb bccc cccc cccc c	b = National bank code c = Code identifying a bank account
Tunisia	24	20n	TNkk bbss sccc cccc cccc ccxx	k = IBAN check digits (always «59») b = National bank code s = Branch code c = Account number x = National check digits
Turkey	26	5n,17c	TRkk bbbb b0cc cccc cccc cccc cc	b = National bank code 0 = Zero (reserved) c = Account number
Ukraine	29	6n, 19c	UAkk bbbb bbcc cccc cccc cccc cccc c	b = Bank code c = Account number preceded by zeros, if required
United Arab Emirates	23	3n,16n	AEkk bbbc cccc cccc cccc ccc	b = National bank code c = Account number
United Kingdom[Note 7]	22	4a,14n	GBkk bbbb ssss sscc cccc cc	b = BIC bank code s = Bank and branch code (sort code) c = Account number
Vatican City	22	3n,15n	VAkk bbbc cccc cccc cccc cc	b = National bank code c = Account number
Virgin Islands, British	24	4c,16n	VGkk bbbb cccc cccc cccc cccc	b = National bank code c = Account number

In addition to the above, the IBAN is under development in countries below but has not yet been catalogued for general international use.^[41][42]

In this list

• "kk" represent the IBAN checksum
• "a" represents an alphabetic character
• "c" represents an alphanumeric character
• "n" represents a numeric character.

Country	Chars	BBAN Format	Example
Algeria	26	22n	DZkk nnnn nnnn nnnn nnnn nnnn nn
Angola	25	21n	AOkk nnnn nnnn nnnn nnnn nnnn n
Benin	28	2c, 22n	BJkk ccnn nnnn nnnn nnnn nnnn nnnn
Burkina Faso	28	2c, 22n	BFkk ccnn nnnn nnnn nnnn nnnn nnnn
Burundi	16	12n	BIkk nnnn nnnn nnnn
Cabo Verde	25	21n	CVkk nnnn nnnn nnnn nnnn nnnn n
Cameroon	27	23n	CMkk nnnn nnnn nnnn nnnn nnnn nnn
Central African Republic	27	23n	CFkk nnnn nnnn nnnn nnnn nnnn nnn
Chad	27	23n	TDkk nnnn nnnn nnnn nnnn nnnn nnn
Comoros	27	23n	KMkk nnnn nnnn nnnn nnnn nnnn nnn
Congo, Republic of the	27	23n	CGkk nnnn nnnn nnnn nnnn nnnn nnn
Côte d’Ivoire	28	1a, 23n	CIkk annn nnnn nnnn nnnn nnnn nnnn
Djibouti	27	23n	DJkk nnnn nnnn nnnn nnnn nnnn nnn
Equatorial Guinea	27	23n	GQkk nnnn nnnn nnnn nnnn nnnn nnn
Gabon	27	23n	GAkk nnnn nnnn nnnn nnnn nnnn nnn
Guinea-Bissau	25	2c, 19n	GWkk ccnn nnnn nnnn nnnn nnnn n
Honduras	28	4a, 20n	HNkk aaaa nnnn nnnn nnnn nnnn nnnn
Iran	26	22n	IRkk nnnn nnnn nnnn nnnn nnnn nn
Madagascar	27	23n	MGkk nnnn nnnn nnnn nnnn nnnn nnn
Mali	28	2c, 22n	MLkk annn nnnn nnnn nnnn nnnn nnnn
Morocco	28	24n	MAkk nnnn nnnn nnnn nnnn nnnn nnnn
Mozambique	25	21n	MZkk nnnn nnnn nnnn nnnn nnnn n
Nicaragua	32	4a, 24n	NIkk aaaa nnnn nnnn nnnn nnnn nnnn nnnn
Niger	28	2a, 22n	NEkk aann nnnn nnnn nnnn nnnn nnnn
Senegal	28	2a, 22n	SNkk aann nnnn nnnn nnnn nnnn nnnn
Togo	28	2a, 22n	TGkk aann nnnn nnnn nnnn nnnn nnnn

See also[edit]

• Bank card number
• Bank regulation
• ABA routing transit number
• Routing number (Canada)

Notes[edit]

References[edit]

External links[edit]

• «Official ISO 13616 Registry» (PDF). Society for Worldwide Interbank Financial Telecommunication (SWIFT).
• «ISO 13616-1:2007». International Organization for Standardization (ISO).

The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors. An IBAN uniquely identifies the account of a customer at a financial institution^{[citation needed]}. It was originally adopted by the European Committee for Banking Standards (ECBS) and since 1997 as the international standard ISO 13616 under the International Organization for Standardization (ISO). The current version is ISO 13616:2020, which indicates the Society for Worldwide Interbank Financial Telecommunication (SWIFT) as the formal registrar. Initially developed to facilitate payments within the European Union, it has been implemented by most European countries and numerous countries in other parts of the world, mainly in the Middle East and the Caribbean. As of May 2020, 77 countries were using the IBAN numbering system.^[1]

The IBAN consists of up to 34 alphanumeric characters comprising a country code; two check digits; and a number that includes the domestic bank account number, branch identifier, and potential routing information. The check digits enable a check of the bank account number to confirm its integrity before submitting a transaction.

Background[edit]

Before IBAN, differing national standards for bank account identification (i.e. bank, branch, routing codes, and account number) were confusing for some users. This often led to necessary routing information being missing from payments. Routing information as specified by ISO 9362 (also known as Business Identifier Codes (BIC), SWIFT ID or SWIFT code, and SWIFT-BIC) does not require a specific format for the transaction so the identification of accounts and transaction types is left to agreements of the transaction partners. It also does not contain check digits, so errors of transcription were not detectable and it was not possible for a sending bank to validate the routing information prior to submitting the payment. Routing errors caused delayed payments and incurred extra costs to the sending and receiving banks and often to intermediate routing banks.^[2]

In 1997, to overcome these difficulties, the International Organization for Standardization (ISO) published ISO 13616:1997.^[3] This proposal had a degree of flexibility that the European Committee for Banking Standards (ECBS) believed would make it unworkable, and they produced a «slimmed down» version of the standard which, amongst other things, permitted only upper-case letters and required that the IBAN for each country have a fixed length.^[4] ISO 13616:1997 was subsequently withdrawn and replaced by ISO 13616:2003.^[3] The standard was revised again in 2007 when it was split into two parts. ISO 13616-1:2007 «specifies the elements of an international bank account number (IBAN) used to facilitate the processing of data internationally in data interchange, in financial environments as well as within and between other industries» but «does not specify internal procedures, file organization techniques, storage media, languages, etc. to be used in its implementation».^[5] ISO 13616-2:2007 describes «the Registration Authority (RA) responsible for the registry of IBAN formats that are compliant with ISO 13616-1 [and] the procedures for registering ISO 13616-compliant IBAN formats».^[6] The official IBAN registrar under ISO 13616-2:2007 is SWIFT.^[7]

IBAN imposes a flexible but regular format sufficient for account identification and contains validation information to avoid errors of transcription. It carries all the routing information needed to get a payment from one bank to another wherever it may be; it contains key bank account details such as country code, branch codes (known as sort codes in the UK and Ireland) and account numbers, and it contains check digits which can be validated at source according to a single standard procedure.^[8] Where used, IBANs have reduced trans-national money transfer errors to under 0.1% of total payments

Structure[edit]

The IBAN consists of up to 34 alphanumeric characters, as follows:

• country code using ISO 3166-1 alpha-2 – two letters,
• check digits – two digits, and
• Basic Bank Account Number (BBAN) – up to 30 alphanumeric characters that are country-specific.^[1]

The check digits represent the checksum of the bank account number which is used by banking systems to confirm that the number contains no simple errors.

In order to facilitate reading by humans, IBANs are traditionally expressed in groups of four characters separated by spaces, the last group being of variable length as shown in the example below; when transmitted electronically however spaces are omitted.^[1]

Irish IBAN

Human readable	IE12 BOFI 9000 0112 3456 78
Machine readable	IE12BOFI90000112345678

Permitted IBAN characters are the digits 0 to 9 and the 26 Latin alphabetic characters A to Z.^[9] This applies even in countries where these characters are not used in the national language (e.g. Greece).

Basic Bank Account Number[edit]

The Basic Bank Account Number (BBAN) format is decided by the national central bank or designated payment authority of each country. There is no consistency between the formats adopted. The national authority may register its BBAN format with SWIFT but is not obliged to do so. It may adopt IBAN without registration. SWIFT also acts as the registration authority for the SWIFT system, which is used by most countries that have not adopted IBAN. A major difference between the two systems is that under SWIFT there is no requirement that BBANs used within a country be of a pre-defined length.

The BBAN must be of a fixed length for the country and comprise case-insensitive alphanumeric characters. It includes the domestic bank account number, branch identifier, and potential routing information. Each country can have a different national routing/account numbering system, up to a maximum of 30 alphanumeric characters.

Check digits[edit]

The check digits enable the sending bank (or its customer) to perform a sanity check of the routing destination and account number from a single string of data at the time of data entry.^[4] This check is guaranteed to detect any instances where a single character has been omitted, duplicated, mistyped or where two characters have been transposed. Thus routing and account number errors are virtually eliminated.^[9]

Processing[edit]

One of the design aims of the IBAN was to enable as much validation as possible to be done at the point of data entry.^[10] In particular, the computer program that accepts an IBAN will be able to validate:

• Country code
• Number of characters in the IBAN correspond to the number specified for the country code
• BBAN format specified for the country code
• Account number, bank code and country code combination is compatible with the check digits

The check digits are calculated using MOD-97-10 as per ISO/IEC 7064:2003^[9] (abbreviated to mod-97 in this article), which specifies a set of check character systems capable of protecting strings against errors which occur when people copy or key data. In particular, the standard states that the following can be detected:

• All single substitution errors (the substitution of a single character for another, for example 4234 for 1234)
• All or nearly all single (local) transposition errors (the transposition of two single characters, either adjacent or with one character between them, for example 12354 or 12543 for 12345)
• All or nearly all shift errors (shifts of the whole string to the left or right)
• High proportion of double substitution errors (two separate single substitution errors in the same string, for example 7234587 for 1234567)
• High proportion of all other errors

The underlying rules for IBANs is that the account-servicing financial institution should issue an IBAN, as there are a number of areas where different IBANs could be generated from the same account and branch numbers that would satisfy the generic IBAN validation rules. In particular cases where 00 is a valid check digit, 97 will not be a valid check digit, likewise, if 01 is a valid check digit, 98 will not be a valid check digit, similarly with 02 and 99.

The UN CEFACT TBG5 has published a free IBAN validation service in 32 languages for all 57 countries^{[needs update]} that have adopted the IBAN standard.^[11] They have also published the Javascript source code of the verification algorithm.^[12]

An English language IBAN checker for ECBS member country bank accounts is available on its website.^[13]

Algorithms[edit]

Validating the IBAN[edit]

An IBAN is validated by converting it into an integer and performing a basic mod-97 operation (as described in ISO 7064) on it. If the IBAN is valid, the remainder equals 1.^{[Note 1]} The algorithm of IBAN validation is as follows:^[8]

1. Check that the total IBAN length is correct as per the country. If not, the IBAN is invalid
2. Move the four initial characters to the end of the string
3. Replace each letter in the string with two digits, thereby expanding the string, where A = 10, B = 11, …, Z = 35
4. Interpret the string as a decimal integer and compute the remainder of that number on division by 97

If the remainder is 1, the check digit test is passed and the IBAN might be valid.

Example (fictitious United Kingdom bank, sort code 12-34-56, account number 98765432):

• IBAN:		GB82 WEST 1234 5698 7654 32
• Rearrange:		W E S T12345698765432 G B82
• Convert to integer:		3214282912345698765432161182
• Compute remainder:		3214282912345698765432161182	mod 97 = 1

Generating IBAN check digits[edit]

According to the ECBS «generation of the IBAN shall be the exclusive responsibility of the bank/branch servicing the account».^[8] The ECBS document replicates part of the ISO/IEC 7064:2003 standard as a method for generating check digits in the range 02 to 98. Check digits in the ranges 00 to 96, 01 to 97, and 03 to 99 will also provide validation of an IBAN, but the standard is silent as to whether or not these ranges may be used.

The preferred algorithm is:^[8]

1. Check that the total IBAN length is correct as per the country. If not, the IBAN is invalid.
2. Replace the two check digits by 00 (e.g., GB00 for the UK).
3. Move the four initial characters to the end of the string.
4. Replace the letters in the string with digits, expanding the string as necessary, such that A or a = 10, B or b = 11, and Z or z = 35. Each alphabetic character is therefore replaced by 2 digits
5. Convert the string to an integer (i.e. ignore leading zeroes).
6. Calculate mod-97 of the new number, which results in the remainder.
7. Subtract the remainder from 98 and use the result for the two check digits. If the result is a single-digit number, pad it with a leading 0 to make a two-digit number.

Modulo operation on IBAN[edit]

Any computer programming language or software package that is used to compute D mod 97 directly must have the ability to handle integers of more than 30 digits. In practice, this can only be done by software that either supports arbitrary-precision arithmetic or that can handle 219-bit (unsigned) integers,^{[Note 2]} features that are often not standard. If the application software in use does not provide the ability to handle integers of this size, the modulo operation can be performed in a piece-wise manner (as is the case with the UN CEFACT TBG5 JavaScript program).

Piece-wise calculation D mod 97 can be done in many ways. One such way is as follows:^[14]

1. Starting from the leftmost digit of D, construct a number using the first 9 digits and call it N.^{[Note 3]}
2. Calculate N mod 97.
3. Construct a new 9-digit N by concatenating the above result (step 2) with the next 7 digits of D. If there are fewer than 7 digits remaining in D but at least one, then construct a new N, which will have less than 9 digits, from the above result (step 2) followed by the remaining digits of D
4. Repeat steps 2–3 until all the digits of D have been processed

The result of the final calculation in step 2 will be D mod 97 = N mod 97.

Example[edit]

In this example, the above algorithm for D mod 97 will be applied to D = 3214282912345698765432161182. (The digits are colour-coded to aid the description below.) If the result is one, the IBAN corresponding to D passes the check digit test.

1. Construct N from the first 9 digits of D

   N = 321428291

2. Calculate N mod 97 = 70
3. Construct a new 9-digit N from the above result (step 2) followed by the next 7 digits of D.

   N = 702345698

4. Calculate N mod 97 = 29
5. Construct a new 9-digit N from the above result (step 4) followed by the next 7 digits of D.

   N = 297654321

6. Calculate N mod 97 = 24
7. Construct a new N from the above result (step 6) followed by the remaining 5 digits of D.

   N = 2461182

8. Calculate N mod 97 = 1

From step 8, the final result is D mod 97 = 1 and the IBAN has passed this check digit test.

National check digits[edit]

In addition to the IBAN check digits, many countries have their own national check digits used within the BBAN, as part of their national account number formats. Each country determines its own algorithm used for assigning and validating the national check digits — some relying on international standards, some inventing their own national standard, and some allowing each bank to decide if or how to implement them. Some algorithms apply to the entire BBAN, and others to one or more of the fields within it. The check digits may be considered an integral part of the account number, or an external field separate from the account number, depending on the country’s rules.

Most of the variations used are based on two categories of algorithms:

— ISO 7064 MOD-97-10: Treat the account number as a large integer, divide it by 97 and use the remainder or its complement as the check digit(s).

— Weighted Sum: Treat the account number as a series of individual numbers, multiply each number by a weight value according to its position in the string, sum the products, divide the sum by a modulus (usually 10 or 11) and use the remainder or its complement as the check digit.

In both cases, there may first be a translation from alphanumeric characters to numbers using conversion tables.
The complement, if used, means the remainder r is subtracted from a fixed value, usually the modulus or the modulus plus one (with the common exception that a remainder of 0 results in 0, denoted as 0 → 0,as opposed to e.g. 0 → 97 meaning that if the reminder is zero the checksum is 97).
Note that some national specifications define the weights order from right to left, but since the BBAN length in the IBAN is fixed, they can be used from left to right as well.

Country	Algorithm	Weights	Modulo	Complement	Comments
Albania[15]	Weighted	9, 7, 3, 1, 9, 7, 3, 1	10	10 − r, 0 → 0	Applies only to the bank code + branch code fields.
Belgium[16]	ISO 7064 MOD-97-10 (variant)		97	r, 0 → 97	Applied to bank code + account number.
Bosnia and Herzegovina[17]	ISO 7064 MOD-97-10		97	98 − r
Croatia[16]	ISO 7064 MOD-11-10		11, 10	11 − r	Calculated separately for the bank code (seven digits) and account number (ten digits). Both should be 9.
Czech Republic[16]	Weighted	6, 3, 7, 9, 10, 5, 8, 4, 2, 1	11	11 − r, 0 → 0	Calculated separately for the account number (ten digits) and branch number (six digits, using the last six weights). Both should be 0.
East Timor	ISO 7064 MOD-97-10		97	98 − r	Applied to the whole bban (bank code concatenated with account number) appended with «00».
Estonia[16][18][19]	Weighted	7, 1, 3, 7, 1, 3, 7, 1, 3, 7, 1, 3, 7	10	10 − r, 0 → 0	Applies only to the branch code + account number fields (ignoring the bank code). Before multiplying by weights the resulting part of IBAN (i.e. branch code + account number) is reversed.
Finland[16]	Luhn	2, 1, 2, 1, 2, 1, 2, 1, 2, 1, 2, 1, 2	10	10 − r, 0 → 0	Uses the Luhn Algorithm, where the sum is taken of the individual digits of the multiplication products rather than the products themselves.
France[16]	ISO 7064 MOD-97-10 (variant)		97	97 − r	The mapping form characters to coefficients is non-standard: the digits 0–9 are converted to their respective values, letters ‘A–I’ converted to 1–9, letters J–R converted to 1–9 and letters S–Z converted to 2–9, respectively. After the transliteration, the part of IBAN is read as number. This is performed for bank code, branch code, and account number. Each of them is then multiplied by the proper multiplier (89, 15, 3) respectively. The three numbers are then summed and the algorithm is performed on the result of this summation.
Hungary[16]	Weighted	9, 7, 3, 1, 9, 7, 3, 1, 9, 7, 3, 1, 9, 7, 3, 1	10	10 − r, 0 → 0	There are two separate check digits—one for the bank code + branch code, and one for the account number, each calculated separately.
Iceland[16]	Weighted	3, 2, 7, 6, 5, 4, 3, 2	11	11 − r, 0 → 0	Applies only to the first eight digits of the national identification number (kennitala), with the check digit stored at the 9th.
Italy[16]	Conversion + Sum		26	r	Characters are converted to digits using two different conversion tables, one for odd positions and one for even positions (the first character is considered odd). Odd-positioned digits 0–9 are converted to their respective values in the sequence 1, 0, 5, 7, 9, 13, 15, 17, 19, 21, and characters in the range A–Z are converted to 1, 0, 5, 7, 9, 13, 15, 17, 19, 21, 2, 4, 18, 20, 11, 3, 6, 8, 12, 14, 16, 10, 22, 25, 24, 23 respectively. Even-positioned characters are converted using the natural zero-based value, i.e. digits 0–9 converted to the respective numbers 0–9, and letters A–Z to the range 0–25. After conversion the numbers are summed (without weights), and the result taken modulo 26. This is then converted back into a single letter in the range A–Z (in natural order) which is used as the check digit (or rather, check character).
North Macedonia[16]	ISO 7064 MOD-97-10		97	98 − r
Mauritania	ISO 7064 MOD-97-10 (variant)		97	97 − r
Monaco[16]	ISO 7064 MOD-97-10 (variant)		97	97 − r	Uses the same algorithm as France.
Montenegro[16]	ISO 7064 MOD-97-10		97	98 − r
Norway[16]	Weighted	5, 4, 3, 2, 7, 6, 5, 4, 3, 2	11	11 − r, 0 → 0, 1 → invalid	If the first two digits of the account number (not the bank code) are both zeros, then the calculation applies only to the remaining four digits of the account number, otherwise it applies to the entire BBAN (bank code + account number).
Poland[16][20]	Weighted	3, 9, 7, 1, 3, 9, 7	10	10 − r, 0 → 0	Applies only to the bank code + branch code (without the account number).
Portugal[16]	ISO 7064 MOD-97-10		97	98 − r
San Marino[16]	Conversion + Sum		26	r	Uses the same algorithm as Italy.
Serbia[16]	ISO 7064 MOD-97-10		97	98 − r
Slovakia[16]	Weighted	6, 3, 7, 9, 10, 5, 8, 4, 2, 1	11	11 − r, 0 → 0	Calculated separately for the account number (ten digits) and branch number (six digits, using the last six weights). Same as Czech Republic.
Slovenia[16]	ISO 7064 MOD-97-10		97	98 − r
Spain[16]	Weighted	1, 2, 4, 8, 5, 10, 9, 7, 3, 6	11	11 − r, 0 → 0, 1 → 1	There are two separate check digits—one for the bank code + branch code, and one for the account number, each calculated separately. The account number is ten characters long and uses all of the weights, whereas the bank code + branch code are eight characters long and thus use only the last eight weights in the calculation (or equivalently, pad with two zeros on the left and use the ten weights).
Tunisia[16]	ISO 7064 MOD-97-10 (variant)		97	97 − r

Adoption[edit]

International bank transactions use either an IBAN or the ISO 9362 Business Identifier Code system (BIC or SWIFT code) in conjunction with the BBAN (Basic Bank Account Number).^[21]

EEA and territories[edit]

The banks of most countries in Europe publish account numbers using both the IBAN format and the nationally recognised identifiers, this being mandatory within the European Economic Area.^[22]

Day-to-day administration of banking in British Overseas Territories varies from territory to territory; some, such as South Georgia and the South Sandwich Islands, have too small a population to warrant a banking system while others, such as Bermuda, have a thriving financial sector.^[23] The use of the IBAN is up to the local government—Gibraltar, formerly part of the European Union is required to use the IBAN,^[22] as are the Crown Dependencies, which use the British clearing system,^[24] and the British Virgin Islands have chosen to do so. As of April 2013, no other British Overseas Territories have chosen to use the IBAN.^[1] Banks in the Caribbean Netherlands also do not use the IBAN.

Single Euro Payments Area[edit]

The IBAN designation scheme was chosen as the foundation for electronic straight-through processing in the European Economic Area. The European Parliament mandated that a bank charge needs to be the same amount for domestic credit transfers as for cross-border credit transfers regulated in decision 2560/2001 (updated in 924/2009).^[22] This regulation took effect in 2003. Only payments in euro up to €12,500 to a bank account designated by its IBAN were covered by the regulation, not payments in other currencies.

The Euro Payments regulation was the foundation for the decision to create a Single Euro Payments Area (SEPA). The European Central Bank has created the TARGET2 interbank network that unifies the technical infrastructure of the 26 central banks of the European Union (although Sweden has opted out). SEPA is a self-regulatory initiative by the banking sector of Europe as represented in the European Payments Council (EPC). The European Union made the scheme mandatory through the Payment Services Directive published in 2007. Since January 2008, all countries were required to support SEPA credit transfer, and SEPA direct debit was required to be supported since November 2009. The regulation on SEPA payments increased the charge cap (same price for domestic payments as for cross-border payments) to €50,000.

With a further decision of the European Parliament, the IBAN scheme for bank accounts fully replaced the domestic numbering schemes from 31 December 2012.^[25] On 16 December 2010, the European Commission published regulations that made IBAN support mandatory for domestic credit transfer by 2013 and for domestic direct debit by 2014 (with a 12 and 24 months transition period respectively).^[26] Some countries had already replaced their traditional bank account scheme by IBAN. This included Switzerland where IBAN was introduced for national credit transfer on 1 January 2006 and the support for the old bank account numbers was not required from 1 January 2010.^[27]

Based on a 20 December 2011 memorandum,^[28] the EU parliament resolved the mandatory dates for the adoption of the IBAN on 14 February 2012.^[29] On 1 February 2014, all national systems for credit transfer and direct debit were abolished and replaced by an IBAN-based system.^[29] This was then extended to all cross-border SEPA transactions on 1 February 2016 (Article 5 Section 7).^[29] After these dates the IBAN is sufficient to identify an account for home and foreign financial transactions in SEPA countries and banks are no longer permitted to require that the customer supply the BIC for the beneficiary’s bank.

In the run-up to the 1 February 2014 deadline, it became apparent that many old bank account numbers had not been allocated IBANs—an issue that was addressed on a country-by-country basis. In Germany, for example, Deutsche Bundesbank and the German Banking Industry Committee required that all holders of German bank codes («Bankleitzahl») published the specifics of their IBAN generation format taking into account not only the generation of check digits but also the handling of legacy bank codes, thereby enabling third parties to generate IBANs independently of the bank.^[30] The first such catalogue was published in June 2013 as a variant of the old bank code catalog («Bankleitzahlendatei»).^[31]

Non-EEA[edit]

Banks in numerous non-European countries including most states of the Middle East, North Africa and the Caribbean have implemented the IBAN format for account identification.^[1] In some countries the IBAN is used on an ad hoc basis, an example was Ukraine where account numbers used for international transfers by some domestic banks had additional aliases that followed the IBAN format as a precursor to formal SWIFT registration.^[32] This practice in Ukraine ended on 1 November 2019 when all Ukrainian banks had fully switched to the IBAN standard.^[33]

The degree to which a bank verifies the validity of a recipient’s bank account number depends on the configuration of the transmitting bank’s software—many major software packages supply bank account validation as a standard function.^[34] Some banks outside Europe may not recognize IBAN, though this is expected to diminish with time. Non-European banks usually accept IBANs for accounts in Europe, although they might not treat IBANs differently from other foreign bank account numbers. In particular, they might not check the IBAN’s validity prior to sending the transfer.^[35]

Banks in the United States do not use IBAN as account numbers for U.S. accounts and use ABA routing transit numbers.^[36] Any adoption of the IBAN standard by U.S. banks would likely be initiated by ANSI ASC X9, the U.S. financial services standards development organization: a working group (X9B20) was established as an X9 subcommittee to generate an IBAN construction for U.S. bank accounts.^[37]

Canadian financial institutions have not adopted IBAN and use routing numbers issued by Payments Canada for domestic transfers, and SWIFT for international transfers. There is no formal governmental or private sector regulatory requirement in Canada for the major banks to use IBAN.

Australia and New Zealand do not use IBAN. They use Bank State Branch codes for domestic transfers and SWIFT for international transfers.^[38]

IBAN formats by country[edit]

This table summarises the IBAN formats by country:^[1]

• The kk after the two-character ISO country code represents the check digits calculated from the rest of the IBAN characters. If it is a constant for the country concerned, this will be stated in the Comments column. This happens where the BBAN has its own check digits that use the same algorithm as the IBAN check digits
• The BBAN format column shows the format of the BBAN part of an IBAN in terms of upper case alpha characters (A–Z) denoted by «a», numeric characters (0–9) denoted by «n» and mixed case alphanumeric characters (a–z, A–Z, 0–9) denoted by «c». For example, the Bulgarian BBAN (4a,6n,8c) consists of 4 alpha characters, followed by 6 numeric characters, then by 8 mixed-case alpha-numeric characters
• Descriptions in the Comments field have been standardised with country-specific names in brackets. The format of the various fields can be deduced from the BBAN field

Country	Chars	BBAN Format	IBAN Fields	Comment
Albania	28	8n,16c	ALkk bbbs sssx cccc cccc cccc cccc	b = National bank code s = Branch code x = National check digit c = Account number
Andorra	24	8n,12c	ADkk bbbb ssss cccc cccc cccc	b = National bank code s = Branch code c = Account number
Austria	20	16n	ATkk bbbb bccc cccc cccc	b = National bank code c = Account number
Azerbaijan	28	4a,20c	AZkk bbbb cccc cccc cccc cccc cccc	b = National bank code c = Account number
Bahrain	22	4a,14c	BHkk bbbb cccc cccc cccc cc	b = National bank code c = Account number
Belarus	28	4c, 4n, 16c	BYkk bbbb aaaa cccc cccc cccc cccc	b = National bank or branch code a = Balance account number c = Account number
Belgium	16	12n	BEkk bbbc cccc ccxx	b = National bank code c = Account number x = National check digits
Bosnia and Herzegovina	20	16n	BAkk bbbs sscc cccc ccxx	k = IBAN check digits (always «39») b = National bank code s = Branch code c = Account number x = National check digits
Brazil	29	23n,1a,1c	BRkk bbbb bbbb ssss sccc cccc ccct n	b = National bank code s = Branch code c = Account number t = Account type (cheque account, savings account etc.) n = Owner account number («1», «2» etc.)[39]
Bulgaria	22	4a,6n,8c	BGkk bbbb ssss ttcc cccc cc	b = BIC bank code s = Branch (BAE) number t = Account type c = Account number
Costa Rica	22	18n	CRkk 0bbb cccc cccc cccc cc	0 = always zero b = bank code c = Account number
Croatia	21	17n	HRkk bbbb bbbc cccc cccc c	b = Bank code c = Account number
Cyprus	28	8n,16c	CYkk bbbs ssss cccc cccc cccc cccc	b = National bank code s = Branch code c = Account number
Czech Republic	24	20n	CZkk bbbb pppp sscc cccc cccc	b = National bank code p = Account number prefix c = Account number
Denmark	18	14n	DKkk bbbb cccc cccc cx	b = National bank code c = Account number x = National check digit
Dominican Republic	28	4a,20n	DOkk bbbb cccc cccc cccc cccc cccc	b = Bank identifier c = Account number
East Timor	23	19n	TLkk bbbc cccc cccc cccc cxx	k = IBAN check digits (always = «38») b = Bank identifier c = Account number x = National check digits
Egypt	29	25n	EGkk bbbb ssss cccc cccc cccc cccc c	b = National bank code s = Branch code c = Account number
El Salvador	28	4a, 20n	SVkk bbbb cccc cccc cccc cccc cccc	b = National bank code c = Account number
Estonia	20	16n	EEkk bbss cccc cccc cccx	b = National bank code s = Branch code c = Account number x = National check digit
Faroe Islands[Note 4]	18	14n	FOkk bbbb cccc cccc cx	b = National bank code c = Account number x = National check digit
Finland	18	14n	FIkk bbbb bbcc cccc cx	b = Bank and branch code c = Account number x = National check digit
France[Note 5]	27	10n,11c,2n	FRkk bbbb bsss sscc cccc cccc cxx	b = National bank code s = Branch code (code guichet [fr]) c = Account number x = National check digits (clé RIB [fr])
Georgia	22	2c,16n	GEkk bbcc cccc cccc cccc cc	b = National bank code c = Account number
Germany	22	18n	DEkk bbbb bbbb cccc cccc cc	b = Bank and branch identifier (Bankleitzahl or BLZ) c = Account number
Gibraltar	23	4a,15c	GIkk bbbb cccc cccc cccc ccc	b = BIC bank code c = Account number
Greece	27	7n,16c	GRkk bbbs sssc cccc cccc cccc ccc	b = National bank code s = Branch code c = Account number
Greenland[Note 4]	18	14n	GLkk bbbb cccc cccc cx	b = National bank code c = Account number x = National check digit
Guatemala	28	4c,20c	GTkk bbbb mmtt cccc cccc cccc cccc	b = National bank code c = Account number m = Currency code t = Account type
Hungary	28	24n	HUkk bbbs sssx cccc cccc cccc cccx	b = National bank code s = Branch code c = Account number x = National check digit
Iceland	26	22n	ISkk bbss ttcc cccc iiii iiii ii	b = National bank code s = Branch code t = Account type c = Account number i = Account holder’s kennitala (national identification number)
Iraq	23	4a,15n	IQkk bbbb sssc cccc cccc ccc	b = National bank code s = Branch code c = Account number
Ireland	22	4c,14n	IEkk qqqq bbbb bbcc cccc cc	q = BIC bank code b = Bank/branch code (sort code) c = Account number
Israel	23	19n	ILkk bbbs sscc cccc cccc ccc	b = National bank code s = Branch code c = Account number 13 digits (padded with zeros)
Italy	27	1a,10n,12c	ITkk xbbb bbss sssc cccc cccc ccc	x = Check character (CIN [it]) b = National bank code (Associazione Bancaria Italiana or Codice ABI) s = Branch code (Coordinate bancarie [it] or CAB – Codice d’Avviamento Bancario) c = Account number
Jordan	30	4a,22n	JOkk bbbb ssss cccc cccc cccc cccc cc	b = National bank code s = Branch code c = Account number
Kazakhstan	20	3n,13c	KZkk bbbc cccc cccc cccc	b = National bank code c = Account number
Kosovo	20	4n,10n,2n	XKkk bbbb cccc cccc cccc	b = National bank code c = Account number
Kuwait	30	4a,22c	KWkk bbbb cccc cccc cccc cccc cccc cc	b = National bank code c = Account number.
Latvia	21	4a,13c	LVkk bbbb cccc cccc cccc c	b = BIC bank code c = Account number
Lebanon	28	4n,20c	LBkk bbbb cccc cccc cccc cccc cccc	b = National bank code c = Account number
Libya	25	21n	LYkk bbbs sscc cccc cccc cccc c	b = National bank code s = Branch code c = Account number
Liechtenstein	21	5n,12c	LIkk bbbb bccc cccc cccc c	b = National bank code c = Account number
Lithuania	20	16n	LTkk bbbb bccc cccc cccc	b = National bank code c = Account number
Luxembourg	20	3n,13c	LUkk bbbc cccc cccc cccc	b = National bank code c = Account number
North Macedonia	19	3n,10c,2n	MKkk bbbc cccc cccc cxx	k = IBAN check digits (always = «07») b = National bank code c = Account number x = National check digits
Malta	31	4a,5n,18c	MTkk bbbb ssss sccc cccc cccc cccc ccc	b = BIC bank code s = Branch code c = Account number
Mauritania	27	23n	MRkk bbbb bsss sscc cccc cccc cxx	k = IBAN check digits (always «13») b = National bank code s = Branch code (code guichet [fr]) c = Account number x = National check digits (clé RIB [fr])
Mauritius	30	4a,19n,3a	MUkk bbbb bbss cccc cccc cccc 000m mm	b = National bank code s = Branch identifier c = Account number 0 = Zeroes m = Currency code
Monaco	27	10n,11c,2n	MCkk bbbb bsss sscc cccc cccc cxx	b = National bank code s = Branch code (code guichet [fr]) c = Account number x = National check digits (clé RIB [fr]‘).
Moldova	24	2c,18c	MDkk bbcc cccc cccc cccc cccc	b = National bank code c = Account number
Montenegro	22	18n	MEkk bbbc cccc cccc cccc xx	k = IBAN check digits (always = «25») b = Bank code c = Account number x = National check digits
Netherlands[Note 6]	18	4a,10n	NLkk bbbb cccc cccc cc	b = BIC Bank code c = Account number
Norway	15	11n	NOkk bbbb cccc ccx	b = National bank code c = Account number x = Modulo-11 national check digit
Pakistan	24	4c,16n	PKkk bbbb cccc cccc cccc cccc	b = National bank code c = Account number
Palestinian territories	29	4c,21n	PSkk bbbb cccc cccc cccc cccc cccc c	b = National bank code c = Account number
Poland	28	24n	PLkk bbbs sssx cccc cccc cccc cccc	b = National bank code s = Branch code x = National check digit c = Account number,
Portugal	25	21n	PTkk bbbb ssss cccc cccc cccx x	k = IBAN check digits (always = «50») b = National bank code (numeric only) s = Branch code (numeric only) c = Account number (numeric only) x = National check digits (numeric only)
Qatar	29	4a,21c	QAkk bbbb cccc cccc cccc cccc cccc c	b = National bank code c = Account number[40]
Romania	24	4a,16c	ROkk bbbb cccc cccc cccc cccc	b = BIC Bank code (first four alpha characters) c = Branch code and account number (bank-specific format)
Russia (effective April 2023)[1]	33	14n,15c	RUkk bbbb bbbb bsss sscc cccc cccc cccc c	b = Bank code s = Branch code c = Account number
Saint Lucia	32	4a,24c	LCkk bbbb cccc cccc cccc cccc cccc cccc	b = Bank code c = Account number
San Marino	27	1a,10n,12c	SMkk xbbb bbss sssc cccc cccc ccc	x = Check character (CIN [it]) b = National bank code (Associazione bancaria italiana or Codice ABI) s = Branch code (Coordinate bancarie [it] or CAB – Codice d’Avviamento Bancario) c = Account number
São Tomé and Príncipe	25	21n	STkk bbbb ssss cccc cccc cccc c	b = National bank code s = Branch number c = Account number
Saudi Arabia	24	2n,18c	SAkk bbcc cccc cccc cccc cccc	b = National bank code c = Account number preceded by zeros, if required
Serbia	22	18n	RSkk bbbc cccc cccc cccc xx	k = IBAN check digits (always = «35») b = National bank code c = Account number x = Account check digits
Seychelles	31	4a,20n,3a	SCkk bbbb bb ss cccc cccc cccc cccc mmm	b = Bank code s = Branch code c = Account number m = Currency code
Slovakia	24	20n	SKkk bbbb pppp sscc cccc cccc	b = National bank code p = Account number prefix c = Account number
Slovenia	19	15n	SIkk bbss sccc cccc cxx	k = IBAN check digits (always = «56») b = National bank code s = Branch code c = Account number x = National check digits
Spain	24	20n	ESkk bbbb ssss xxcc cccc cccc	kk = Iban check digits code b = National bank s = Branch code x = Check digits c = Account number
Sudan	18	14n	SDkk bbcc cccc cccc cc	k = IBAN check digits b = National bank code c = Account number
Sweden	24	20n	SEkk bbbc cccc cccc cccc cccx	b = National bank code c = Account number x = Check digits
Switzerland	21	5n,12c	CHkk bbbb bccc cccc cccc c	b = National bank code c = Code identifying a bank account
Tunisia	24	20n	TNkk bbss sccc cccc cccc ccxx	k = IBAN check digits (always «59») b = National bank code s = Branch code c = Account number x = National check digits
Turkey	26	5n,17c	TRkk bbbb b0cc cccc cccc cccc cc	b = National bank code 0 = Zero (reserved) c = Account number
Ukraine	29	6n, 19c	UAkk bbbb bbcc cccc cccc cccc cccc c	b = Bank code c = Account number preceded by zeros, if required
United Arab Emirates	23	3n,16n	AEkk bbbc cccc cccc cccc ccc	b = National bank code c = Account number
United Kingdom[Note 7]	22	4a,14n	GBkk bbbb ssss sscc cccc cc	b = BIC bank code s = Bank and branch code (sort code) c = Account number
Vatican City	22	3n,15n	VAkk bbbc cccc cccc cccc cc	b = National bank code c = Account number
Virgin Islands, British	24	4c,16n	VGkk bbbb cccc cccc cccc cccc	b = National bank code c = Account number

In addition to the above, the IBAN is under development in countries below but has not yet been catalogued for general international use.^[41][42]

In this list

• "kk" represent the IBAN checksum
• "a" represents an alphabetic character
• "c" represents an alphanumeric character
• "n" represents a numeric character.

Country	Chars	BBAN Format	Example
Algeria	26	22n	DZkk nnnn nnnn nnnn nnnn nnnn nn
Angola	25	21n	AOkk nnnn nnnn nnnn nnnn nnnn n
Benin	28	2c, 22n	BJkk ccnn nnnn nnnn nnnn nnnn nnnn
Burkina Faso	28	2c, 22n	BFkk ccnn nnnn nnnn nnnn nnnn nnnn
Burundi	16	12n	BIkk nnnn nnnn nnnn
Cabo Verde	25	21n	CVkk nnnn nnnn nnnn nnnn nnnn n
Cameroon	27	23n	CMkk nnnn nnnn nnnn nnnn nnnn nnn
Central African Republic	27	23n	CFkk nnnn nnnn nnnn nnnn nnnn nnn
Chad	27	23n	TDkk nnnn nnnn nnnn nnnn nnnn nnn
Comoros	27	23n	KMkk nnnn nnnn nnnn nnnn nnnn nnn
Congo, Republic of the	27	23n	CGkk nnnn nnnn nnnn nnnn nnnn nnn
Côte d’Ivoire	28	1a, 23n	CIkk annn nnnn nnnn nnnn nnnn nnnn
Djibouti	27	23n	DJkk nnnn nnnn nnnn nnnn nnnn nnn
Equatorial Guinea	27	23n	GQkk nnnn nnnn nnnn nnnn nnnn nnn
Gabon	27	23n	GAkk nnnn nnnn nnnn nnnn nnnn nnn
Guinea-Bissau	25	2c, 19n	GWkk ccnn nnnn nnnn nnnn nnnn n
Honduras	28	4a, 20n	HNkk aaaa nnnn nnnn nnnn nnnn nnnn
Iran	26	22n	IRkk nnnn nnnn nnnn nnnn nnnn nn
Madagascar	27	23n	MGkk nnnn nnnn nnnn nnnn nnnn nnn
Mali	28	2c, 22n	MLkk annn nnnn nnnn nnnn nnnn nnnn
Morocco	28	24n	MAkk nnnn nnnn nnnn nnnn nnnn nnnn
Mozambique	25	21n	MZkk nnnn nnnn nnnn nnnn nnnn n
Nicaragua	32	4a, 24n	NIkk aaaa nnnn nnnn nnnn nnnn nnnn nnnn
Niger	28	2a, 22n	NEkk aann nnnn nnnn nnnn nnnn nnnn
Senegal	28	2a, 22n	SNkk aann nnnn nnnn nnnn nnnn nnnn
Togo	28	2a, 22n	TGkk aann nnnn nnnn nnnn nnnn nnnn

See also[edit]

• Bank card number
• Bank regulation
• ABA routing transit number
• Routing number (Canada)

Notes[edit]

References[edit]

External links[edit]

• «Official ISO 13616 Registry» (PDF). Society for Worldwide Interbank Financial Telecommunication (SWIFT).
• «ISO 13616-1:2007». International Organization for Standardization (ISO).

Что такое IBAN номер

Аббревиатура IBAN (International Bank Account Number) означает номер банковского счета (account number) клиента, причем, в банковских реквизитах он запрашивается часто и банки почти никогда не уточняют, что это и где его запросить. По сути, это номер, который используется в качестве идентификатора получателя, использующего банковские организации стран Европейского союза и Еврозоны. На данный момент он является единственным идентификатором, который действительно можно использовать.

IBAN банка потребуется сообщить в обязательном порядке, если человек планирует отправить денежный перевод в один из банков Евросоюза. В этом случае получатель не спросит, что это такое, номера выдают всем пользователям местных банков. А вот наоборот вполне может произойти. Клиент банка-члена Еврозоны хотел бы отправить перевод, однако банк запрашивает в данные, которые попросту отсутствуют и не выдаются.

Как его узнать

Следует пояснить некоторые нюансы: банки зачастую требуют сразу все возможные данные, так как финансовые организации далеко не во всем до сих пор пришли к единому мнению. Например, в случае с IBAN до сих пор возникают трудности, так как российские компании используют в банковских реквизитах такие коды как BIC (БИК-код, код подразделения банка) или SWIFT-code (код международной системы SWIFT). Это может являться заменой IBAN, потому что этот номер для российского банка узнать нельзя, ему его попросту не присвоили.

В случае межбанковского взаимодействия при переводах, Европейскому банку вполне достаточно обычного номера SWIFT. Как правило, вопрос после этого закрывается и перевод успешно выполняется.

Вместо каких запрашиваемых в банковских реквизитах данных можно высылать номер SWIFT:

• IBAN.
• Account number.
• Sort Code (это аналогичный номер, используемый в банках Великобритании).

Значит ли, что это абсолютно ненужная информация и можно обходиться вообще без нее? Совершенно не значит, клиенту потребуется заполнять эти данные, если он получает перевод в банке Евросоюза (или Великобритании соответственно). В случае отсутствия этих реквизитов, клиент может попросту потерять деньги, так как они останутся непонятно где.

Когда применяется

Как правило, IBAN и аналогичные ему номера используются при получении денег. Они позволяют идентифицировать организацию или другого получателя и успешно провести денежные средства именно туда, куда нужно. Несмотря на то, что международная система SWIFT используется повсеместно, крайне желательно знать полные реквизиты европейских банков, чтобы избежать проблем при отправке или получении денег.

Так как по данному номеру зарубежные банки узнают получателя, идентифицируют банк и определяют принадлежность его той или иной стране, то перевод по полным реквизитам — это открытая книга. Финансовые организации успешно узнают всю необходимую информацию об отправителе и получателе, что им, конечно же, необходимо. По этой причине в случае отсутствия нужных для идентификации данных, клиенту могут попросту отказать в переводе.

Однако есть и позитивные моменты:

1. Быстрота проведения перевода по банковским реквизитам. Деньги на счет могут зачислиться в течение одних суток с момента отправки.
2. Безопасность и защищенность переводов. В случае непредвиденных проблем клиент легко может защитить свои права.
3. Также благодаря знанию полных реквизитов снижается риск мошенничества, так как для перевода клиенту потребуется знать максимальное количество информации о получателе. Это делает невозможным множество схем мошенничеств, которые часто практикуются в сервисах переводов без подобного уровня защиты.

Клиенту, все же, рекомендуется самостоятельно выбирать, как ему будет удобно переводить деньги. Если же он выбрал все же полноценный перевод по полным реквизитам, то ему необходимо знать, как проверить IBAN и SWIFT.

Как заполнять реквизиты, требующие IBAN

Для начала следует проверить, какие номера конкретно у вашего банка. Для этого, на примере Сбербанка, необходимо зайти на официальный сайт и скачать таблицу, в которой указаны все коды для всех отделений. Достаточно найти в ней свое и код будет написан рядом.

Также зачастую проблема решается через сервис поддержки, чат или же номер телефона. Сотрудники банка без проблем расскажут все нужные реквизиты банка.

Заполнение реквизитов на зарубежный перевод всегда делается строго в английской транслитерации заглавными буквами. Как правило, все данные, кроме IBAN, имеются на сайте банка либо их можно получить у поддержки.

В случае же перевода в европейский банк с кодом IBAN могут возникнуть проблемы, так как он довольно длинный и его необходимо указывать полностью. В случае ошибки деньги могут попросту потеряться. Чтобы не допускать этого, достаточно использовать калькулятор IBAN, который проверит действенность номера и укажет, в тот ли банк поступят деньги.

Как правильно перевести деньги в банки Евросоюза

При отправке денежных переводах в валюте в другие страны, рекомендуется очень внимательно заполнять поля и тщательно расспрашивать поддержку банка о полных реквизитах. В случае возникновения проблем вернуть деньги в теории можно, но на практике из-за этого возникает масса проблем, а сами средства могут потеряться безвозвратно.

Впрочем, чаще всего без указания полноценных данных и полного номера IBAN перевод попросту не выполнят. Но так как российские банки практически все подключены к международной системе SWIFT, то проблема с переводами в их случае неактуальна. Клиенту достаточно указать номер международной системы и деньги поступят вовремя и точно туда, куда нужно.

Комментарии: 2

В этой статье вы узнаете:

— Что такое IBAN

— Примеры IBAN по странам

— Где искать IBAN

— Чем IBAN отличается от SWIFT?

Что такое IBAN

IBAN (International Bank Account Number) — это международный номер банковского счета, который используется для идентификации лицевых счетов при отправке и получении международных платежей. 

Общее количество символов IBAN составляет не более 34 букв и цифр. Номер IBAN начинается с двухзначного кода страны, за которым следуют две контрольные цифры и буквенно-цифровые символы.

Примеры IBAN по странам 

Страна	Префикс	Длина	Пример IBAN
Албания	AL	28	AL35202111090000000001234567
Австрия	AT	20	AT483200000012345864
Азербайджан	AZ	28	AZ77VTBA00000000001234567890
Андорра	AD	24	AD1400080001001234567890
Бахрейн	BH	22	BH02CITI00001077181611
Беларусь	BY	28	BY86AKBB10100000002966000000
Бельгия	BE	16	BE71096123456769
Болгария	BG	22	BG18RZBB91550123456789
Босния и Герцеговина	BA	20	BA393385804800211234
Бразилия	BR	29	BR1500000000000010932840814P2
Бурунди	BI	27	BI43220001131012345678912345
Ватикан	VA	22	VA59001123000012345678
Венгрия	HU	28	HU93116000060000000012345676
Виргинские острова	VG	24	VG07ABVI0000000123456789
Восточный Тимор	TL	23	TL380010012345678910106
Гватемала	GT	28	GT20AGRO00000000001234567890
Германия	DE	22	DE75512108001245126199
Гибралтар	GI	23	GI56XAPO000001234567890
Гренландия	GL	18	GL8964710123456789
Греция	GR	27	GR9608100010000001234567890
Грузия	GE	22	GE60NB0000000123456789
Дания	DK	18	DK9520000123456789
Доминиканская  Республика	DO	28	DO22ACAU00000000000123456789
Египет	EG	29	EG800002000156789012345180002
Израиль	IL	23	IL170108000000012612345
Иордания	JO	30	JO71CBJO0000000000001234567890
Ирак	IQ	23	IQ20CBIQ861800101010500
Ирландия	IE	22	IE64IRCE92050112345678
Исландия	IS	26	IS750001121234563108962099
Испания	ES	24	ES7921000813610123456789
Италия	IT	27	IT60X0542811101000000123456
Казахстан	KZ	20	KZ244350000012344567
Катар	QA	29	QA54QNBA000000000000693123456
Кипр	CY	28	CY21002001950000357001234567
Коста-Рика	CR	22	CR23015108410026012345
Кувейт	KW	30	KW81CBKU0000000000001234560101
Латвия	LV	21	LV97HABA0012345678910
Ливан	LB	28	LB92000700000000123123456123
Ливия	LY	25	LY38021001000000123456789
Литва	LT	20	LT601010012345678901
Лихтенштейн	LI	21	LI7408806123456789012
Люксембург	LU	20	LU120010001234567891
Маврикий	MU	30	MU43BOMM0101123456789101000MUR
Мавритания	MR	27	MR1300020001010000123456753
Мальта	MT	31	MT31MALT01100000000000000000123
Молдова	MD	24	MD21EX000000000001234567
Монако	MC	27	MC5810096180790123456789085
Нидерланды	NL	18	NL02ABNA0123456789
Норвегия	NO	15	NO8330001234567
Объединенные  Арабские  Эмираты	AE	23	AE460090000000123456789
Пакистан	PK	24	PK36SCBL0000001123456702
Палестина	PS	29	PS92PALS000000000400123456702
Польша	PL	28	PL10105000997603123456789123
Португалия	PT	25	PT50002700000001234567833
Румыния	RO	24	RO66BACX0000001234567890
Сан-Марино	SM	27	SM76P0854009812123456789123
Сан-Томе и  Принсипи	ST	25	ST23000200000289355710148
Саудовская  Аравия	SA	24	SA4420000001234567891234
Северная  Македония	MK	19	MK07200002785123453
Сейшелы	SC	31	SC74MCBL01031234567890123456USD
Сент-Люсия	LC	32	LC14BOSL123456789012345678901234
Сербия	RS	22	RS35105008123123123173
Словацкая  Республика	SK	24	SK8975000000000012345671
Словения	SI	19	SI56192001234567892
Соединенное  Королевство	GB	22	GB33BUKB20201555555555
Судан	SD	18	SD8811123456789012
Тунис	TN	24	TN5904018104004942712345
Турция	TR	26	TR320010009999901234567890
Украина	UA	29	UA903052992990004149123456789
Фарерские  острова	FO	18	FO9264600123456789
Финляндия	FI	18	FI1410093000123458
Франция	FR	27	FR7630006000011234567890189
Хорватия	HR	21	HR1723600001101234565
Черногория	ME	22	ME25505000012345678951
Чехия	CZ	24	CZ5508000000001234567899
Швейцария	CH	21	CH5604835012345678009
Швеция	SE	24	SE7280000810340009783242
Эль Сальвадор	SV	28	SV43ACAT00000000000000123123
Эстония	EE	20	EE471000001020145685

Для получения дополнительной информации о IBAN и подтверждения номера IBAN посетите сайт: https://www.iban.com/

Где искать IBAN

Вы можете найти номер IBAN в своей банковской выписке или в мобильном приложении вашего банка. 

Клиенты Paysend в странах ЕЭЗ могут получить и использовать свой персональный IBAN в Paysend. 

Чтобы получить свой персональный IBAN в Paysend:

1. Нажмите на иконку профиля 

2. Выберите Лимиты

3. Нажмите Увеличить лимит

4. Следуйте инструкциям

Как найти IBAN в приложении Paysend:

1. Выберите вкладку Счета

2. Откройте ваш счет в EUR. Если у вас его еще нет:

    — Нажмите Добавить или привязать

    — Выберите Добавить новую валюту

    — Выберите счет в EUR

    — Затем вернитесь на экран Счета и откройте ваш счет в EUR

4. Прокрутите вниз, и вы увидите ваш IBAN

Чем IBAN отличается от SWIFT?

И IBAN, и SWIFT используются для идентификации банковских счетов, когда перевод осуществляется из одной страны в другую. 

Основное различие между IBAN и SWIFT-кодом заключается в том, что IBAN идентифицирует индивидуальный банковский счет, в то время как SWIFT-код идентифицирует конкретный банк.

ОТПРАВИТЬ ДЕНЬГИ С PAYSEND

Тот, кто хоть однажды пытался отправить деньги в Европу или же, наоборот, из другой страны в Россию, наверняка сталкивались с такой проблемой — в банковском учреждении требовали назвать IBAN код. Что же это за код такой, где и как его узнать? Расскажем в нашей статье.

Начнем с того, что у российских банков такого кода попросту нет, так как они работают по другой системе. А вот банки стран — членов Евросоюза и некоторых других стран успешно применяют стандарты, предусматривающие коды IBAN. Причем наличие этого кода существенно облегчает жизнь тем, кто хочет быстро и надежно отправить денежные средства нужному адресату в пределах Европы.

IBAN — это номер банковского счета, созданный по международным, в основном европейским, стандартам. Аббревиатура расшифровывается буквально -«интернациональный банковский номер счета». Его назначение — упрощение операций между банками разных стран. Зачем им это нужно?

Если вы когда-нибудь набирали номер абонента из другой страны, то понимаете, как это неудобно и непривычно — большое количество цифр, расположенных в ином, для понимания российского человека, порядке. Как было бы удобно, если бы все номера телефонов в разных странах имели одинаковое количество цифр и выглядели бы примерно одинаково. Примерно также и с банковскими счетами.

Чтобы банкам и их работникам было проще, они совершали меньше ошибок и переводы проходили легко, быстро и без проблем — именно для этого и были созданы IBAN коды.

Как выглядит IBAN код?

Код iban состоит из 34 символов, среди которых цифры и буквы. Так что, если вам пришлось переписывать код вручную, проверьте — сколько символов вы написали. Дальше проверяем правильность написания и порядок:

• первые 2 буквы кода означают код страны, где находится банк-получатель;
• следующие 2 контрольные цифры;
• затем 4 буквы — SWIFT или BIC-код банка;
• дальше идут 13 цифр — индивидуальный номер счета клиента в этом банке.

Первые буквы позволяют определиться со страной для отправки перевода. Например, GB означает Great Britain или Великобритания. NL — Нидерланды, а UA — естественно, Украина. Все не так уж сложно.

Следующие 2 цифры — это уникальный код, рассчитанный по международным стандартам и выданный стране для использования их банковской системой.

Далее идет BIC шифр или SWIFT код, определяющий сам банк, участвующий в операции. Ну а 13 цифр — уже стандартный номер счета, которыми мы постоянно пользуемся.

Где взять код?

Если вы захотите отправить деньги «на родину» из банка, работающего по европейским стандартам, то при отправке перевода вас попросят назвать этот самый IBAN код. Сделать это вы не сможете. Потому что, сколько бы ни уговаривали сотрудников российского банка, код они вам не скажут. Его в наших банках просто нет — стандарты другие.

Особо находчивые сотрудники банка будут предлагать вам воспользоваться SWIFT кодом, это не совсем то, что вам в данном случае нужно. Хотя эта информация тоже пригодиться.

Примеры кодов:

• Казахстан KZ75 125K ZT10 0130 0335
• Финляндия FI21 1234 5600 0007 85
• Молдова MD68 EX 0700 0002 2515 9105 EU

Что в этом случае делать россиянам?

Стоит учесть, что сложности возникнут только в случае отправки валюты. Если вы хотите переправить местные деньги, то IBAN не нужен.

Если вам необходимо отправить средства именно в валюте, а нужного кода нет, то можно попробовать договориться с сотрудниками европейского банка. При этом желательно, хорошо владеть местным языком.

• Попробуйте объяснить, что российские банки не работают по этим стандартам и такого кода просто не существует.
• Предоставьте максимум информации о банке-получателе и личном счете, на который осуществляется отправка. Именно здесь может пригодиться SWIFT код.
• Узнайте, есть ли альтернативные способы отправки денег.

Что такое Swift (Свифт)-код

Свифт-код — это код, который применяется банками при передаче информации или переводе средств только через систему, при этом сроки перевода денежных средств существенно ускоряются и упрощаются. 

Уникальный SWIFT-код участника системы формируется после вынесения Советом директоров SWIFT решения о приёме банка в общество, на основании рассмотрения поданных банком документов на вступление в систему. 

Идентификационные коды банков формируются по стандарту ISO 9362 (ISO 9362 — BIC), в том числе код страны определяется по стандарту ISO 3166. Согласно этому стандарту, код SWIFT представляет собой цифровую комбинацию из 8 или 11 символов (из букв, иногда в сочетании с цифрами):

IBAN Сбербанк России (SWIFT код)

Владельцам счетов Сбербанка неоднократно удавалось получать переводы из заграничных банков. В данном вопросе этот факт является бесспорным преимуществом Сбербанка перед другими российскими банками. Но, чтобы деньги дошли до получателя необходимо точно знать и сообщить банку-отправителю следующую информацию:

1. SWIFT Сбербанка — он состоит из набора латинских букв, что-то вроде SBERUAUK SABRZKAL.
2. Правильное название Сбербанка на английском языке — Sberbank.
3. Правильное название вашего города на английском языке.
4. Номер отделения, где будут получать деньги и все его реквизиты.
5. Номер счета получателя.
6. Личная информация получателя: ФИО, паспортные данные и адрес регистрации.

Узнать реквизиты Сбербанка, а также SWIFT можно в любом отделении, через Сбербанк онлайн или по горячей линии.

А если отправлять из России в Европу?

Если вы отправляете валютный денежный перевод в заграничный банк, работающий по европейским стандартам, то обязательно нужной знать IBAN код получателя. Иначе деньги не дойдут до адресата, и вернуться к вам обратно. А вот комиссию за перевод вам вернут вряд ли. Чтобы этого не случилось, знайте следующие данные:

• Работает ли банк-получатель по европейскому стандарту;
• IBAN код банка (в случае положительного ответа на предыдущий вопрос);
• Точные реквизиты получателя.

Не забудьте, что сумму перевода нужно вносить с учетом комиссии!