IBAN background information and implementation guide per country

1. General IBAN Information

What is an IBAN?

IBAN stands for International Bank Account Number. It is the ISO 13616 international standard for numbering bank accounts. In 2006, the International Organization for Standardization (ISO) designated SWIFT as the registration authority for ISO 13616.

Why is IBAN needed?

IBAN is the only beneficiary account identifier recognized and accepted by banks in the European Union and European Economic Area for wire payments in Single Euro Payments Area (SEPA).

The IBAN facilitates the communication and processing of cross-border and / or wire payment transactions. It allows exchanging account identification details in a machine-readable form.

2. The ISO 13616 IBAN Standard


The IBAN structure is defined in ISO 13616-1 and consists of:
2-letter ISO 3166-1 country code
2-check digits and up to 30 alphanumeric characters for a BBAN (Basic Bank Account Number) which has a fixed length per country and included within it, a bank identifier with a fixed position and a fixed length per country. The check digits are calculated based on the scheme defined in ISO/IEC 7064 (MOD97-10).

Terms and definitions

Bank Identifier: The identifier that uniquely identifies the financial institution and, when appropriate, the branch of that financial institution servicing an account in this registry, the branch identifier format is shown specifically, when present.

BBAN: basic bank account number: The identifier that uniquely identifies an individual account, at a specific financial institution, in a particular country. The BBAN includes a bank identifier of the financial institution servicing that account.

IBAN: international bank account number: The expanded version of the basic bank account number (BBAN), intended for use internationally. The IBAN uniquely identifies an individual account, at a specific financial institution, in a particular country.

ISO 13616 – Compliant IBAN Formats

This shows the IBAN format of each country that has implemented the IBAN standard. The countries are listed in alphabetical order.

List of the European IBAN countries
CountryCountry codeTotal IBAN characters including the country code
AlbaniaAL28 alphanumeric
AndorraAD24 alphanumeric
AustriaAT20 alphanumeric
AzerbaijanAZ28 alphanumeric
BelgiumBE16 alphanumeric
Bosnia & HerzegovinaBA20 alphanumeric
BulgariaBG22 alphanumeric
Costa RicaCR21 alphanumeric
CroatiaHR21 alphanumeric
CyprusCY28 alphanumeric
Czech RepublicCZ24 alphanumeric
DenmarkDK or FO or GL18 alphanumeric
Dominican RepublicDO28 alphanumeric
EstoniaEE20 alphanumeric
FinlandFI18 alphanumeric
FranceFR27 alphanumeric
GeorgiaGE22 alphanumeric
GermanyDE22 alphanumeric
GibraltarGI23 alphanumeric
GreeceGR27 alphanumeric
HungaryHU28 alphanumeric
IcelandIS26 alphanumeric
IrelandIE22 alphanumeric
ItalyIT27 alphanumeric
LatviaLV21 alphanumeric
LiechtensteinLI21 alphanumeric
LithuaniaLT20 alphanumeric
LuxembourgLU20 alphanumeric
MacedoniaMK19 alphanumeric
MaltaMT31 alphanumeric
MoldovaMD24 alphanumeric
MonacoMC27 alphanumeric
MontenegroME22 alphanumeric
The NetherlandsNL18 alphanumeric
NorwayNO15 alphanumeric
PolandPL28 alphanumeric
PortugalPT25 alphanumeric
RomaniaRO24 alphanumeric
San MarinoSM27 alphanumeric
SerbiaRS22 alphanumeric
SlovakiaSK24 alphanumeric
SloveniaSI19 alphanumeric
SpainES24 alphanumeric
SwedenSE24 alphanumeric
SwitzerlandCH21 alphanumeric
TurkeyTR26 alphanumeric
United KingdomGB22 alphanumeric
List of non-European IBAN countries
CountryCountry codeTotal IBAN characters including the country code
BahrainBH22 alphanumeric
BrazilBR29 alphanumeric
GuatemalaGT28 alphanumeric
IsraelIL23 alphanumeric
JordanJO30 alphanumeric
KazakhstanKZ20 alphanumeric
KuwaitKW30 alphanumeric
MauritaniaMR27 alphanumeric
MauritiusMU30 alphanumeric
PalestinePS29 alphanumeric
PakistanPK24 alphanumeric
QatarQA29 alphanumeric
Saudi ArabiaSA24 alphanumeric
TunisiaTN24 alphanumeric
United Arab EmiratesAE23 alphanumeric
Virgin Islands, BritishVG24 alphanumeric
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