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International Bank Account Number

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The International Bank Account Number (IBAN) is an international standard for numbering bank accounts. It was originally adopted by the European Committee for Banking Standards, and was later adopted as ISO 13616:1997. The IBAN consists of a two letter ISO 3166-1 country code, followed by two check digits, and up to thirty alphanumeric characters for the domestic bank account number, called the BBAN (Basic Bank Account Number). It is up to each country's national banking community to decide on the length of the BBAN for accounts in that country, but its length must be fixed for any given country. A unique identifying code for the bank, of a fixed length and at a fixed position, is required to be contained in the BBAN. However, it is left up to the national banking communities to determine its length and position within the BBAN, so long as it is constant for each country.

When stored electronically, the IBAN is not to be broken up by spaces; but when printed on paper, it is to be expressed in groups of four characters, with the last group of variable length.

The IBAN was developed to help improve the payments system within the European Union. Customers, especially individuals and SMEs, are frequently confused by differing national standards for bank account numbers. While the system is capable of being used for routing purposes, it cannot at present be used to do so since the IBAN has not been widely adopted outside of Europe, and the ECBS expects that the process of adoption may take five to ten years. Until then, it is necessary to continue to use the current ISO 9362 Bank Identifier Code or BIC system in conjunction with the IBAN in order to ensure proper routing.

Examples

  • Austrian IBAN format: ATkk BBBB BCCC CCCC CCCC
The Bs represent the bank code and the Cs the account number.
  • Belgian IBAN format: BEkk CCCC CCCC CCCC
The last 12 digits represent the bank and account number.
  • British IBAN format: GBkk BBBB SSSS SSCC CCCC CC
The four character bank designation is alphabetical, the next six characters are a Sort Code (often a specific branch) and the remaining characters are the customer account number.
  • Czech IBAN format: CZkk BBBB CCCC CCCC CCCC CCCC
The Bs represent the bank code and the Cs the acount number.
  • Danish IBAN format: DKkk CCCC CCCC CCCC CC
The last 14 digits represent the bank and account number.
  • Finnish IBAN format: FIkk BBBB BBCC CCCC CK
The Bs represent the bank code, branch number and account type, Cs represent the account number, and the final K is the check digit of the Finnish account numbering scheme.
  • French IBAN format: FRkk BBBB BGGG GGCC CCCC CCCC CKK
The Bs represent the bank code, the Gs are the code guichet
  • German IBAN format: DEkk BBBB BBBB CCCC CCCC CC
The first eight digits are the bank code and the last 10 digits an account.
  • Greek IBAN format: GRkk BBB BBBB CCCC CCCC CCCC CCCC
The Ks is the check digits of the Greek account numbering scheme, the Bs represent the bank code and branch number and finally Cs represent the account number.
  • Hungarian IBAN format: HUkk CCCC CCCC CCCC CCCC [CCCC CCCC]
The 16 or 24 digits represent the account number which already contains the bank code in the first three digits.
  • Icelandic IBAN format: ISkk BBBB CCCC CCCC XXXX XXXX XX
The first 4-digit group represents the bank code, the next two 4-digit goups represent the account and the last ten digits are the account holder's unique ID number, issued by the Bureau of Statistics.
  • Irish IBAN format: IEkk AAAA BBBB BBCC CCCC CC
The first 4 alphanumeric characters are the start of the SWIFT code. Then a 6 digit long routing code and an 8 digit account code follow, both numeric.
  • Italian IBAN format: ITkk A BBBBB CCCCC XXXX XXXX XXXX
The first 11 alphanumeric characters represent the bank A is the CIN, BBBBB is the ABI and CCCCC is the CAB, the last 12 digits the account.
  • Latvian IBAN format: LVkk BBBB CCCC CCCC CCCC C
The first two letters (LV) means Latvia, next is 2 control digits, after bank's SWIFT code, next is account individual number (which can include both letters and numbers).
  • Dutch IBAN format: NLkk BBBB CCCC CCCC CC
The first 4 alphanumeric characters represent a bank and the last 10 digits an account.
The first 4 alphanumeric characters represent a bank and the last 7 digits an account.
  • Polish IBAN format: PLkk BBBB BBBB MMMM MMMM MMMM MMMM
The first 8 digits are the bank-branch code and the last 16 are the account number. Within the bank-branch code, the first 3 or 4 digits represent the bank, the next 4 or 3 - the branch, and the last one is the check digit.
  • Romanian IBAN format: ROkk BBBB CCCC CCCC CCCC CCCC
The first 4 alphanumeric characters represent the bank; according to a rule established by the Romanian National Bank, the BBBB code must be the same with the first 4 characters of the bank's identifier code. The last 16 represent the specific bank branch and an account, combined any way the bank decides (typically the first 4 among the 16 identify the branch). Some banks include the ISO 4217 currency identifier somewhere in the account name.
  • Slovenian IBAN format: SIkk BB BBB CCCCCCCC KK
The first 2 BB digits represent a bank, the next 3 - the branch. The last 2 digits (KK) are the check digits. IBAN check digits (kk) for Slovenia are 5 and 6.
  • Spanish IBAN format: ESkk BBBB GGGG KKCC CCCC CCCC
  • Swedish IBAN format: SEkk BBBB CCCC CCCC CCCC CCCC
The Bs represent the bank code and the Cs the account number.
  • Turkish IBAN format: TRkk BBBB BRCC CCCC CCCC CCCC CC
The total number of alphanumeric characters including the country code and the check digits is 26. The first 5 digits represent a bank. The next alphanumeric character, reserved for future use, is set to zero. The following 16 alphanumeric characters represent the specific bank branch and an account. The issuing start date of the Turkish IBAN was September 1, 2005 [1].

See also

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