International Bank Account Numbers (IBANs)

International Bank Account Numbers (IBANs) are used by countries within the European Union and European Economic Area (EEA) to reduce errors and delays in making international payments. An IBAN is always used in conjunction with a Bank Identifier Code (BIC) when sending or receiving payments with a beneficiary abroad.


More information on IBANs.

An IBAN uses existing sort codes and account numbers, as well as a two-letter country code, check code and issuing code. This makes it easier to read and check. An example for The Co-operative Bank would be:

Country codeCheck numberIssuing bank codeSort code & account number
GB 12 CPBK 12345612345678

More information on BICs.

The BIC is a standard identifier for banks internationally. It is issued by SWIFT and should be used on all international payments. The Co-operative Bank’s BIC is printed below:

The Co-operative Bank BIC: CPBKGB22

How to find out your own unique IBAN.

Your own IBAN can be found on your paper statements, online statements and recent items.

Checking an IBAN.

It is important that you check the format of each IBAN before you send a payment. You can visit the Association for Payment Clearing Services (APACS) website or use the table at the end of this section to check if a format is correct. However, this check will not tell you if the account exists, merely that an IBAN is correctly configured.

When to use an IBAN.

If you are making a payment in Euros to a qualifying European country (listed below), then you must use the beneficiary’s IBAN and BIC. Conversely, if you want to receive a payment then you must supply your IBAN and BIC. Under European Directive, payments which are made within the European Union to Euro accounts without a valid IBAN and BIC can be rejected and this could lead to additional costs as the payment will need to be processed manually.

 

What to do if your beneficiary has not given you their IBAN and BIC.

If you need to make a payment to any country which has adopted the IBAN, you must use the beneficiary’s IBAN and BIC code. They can find this on their statements. Failure to provide this information can result in your payment being rejected and subsequent charges will be imposed. If the beneficiary hasn’t provided their IBAN or BIC, you should ask for these details.

Countries that use IBANs.

The following table shows all countries that use IBANs:

CountryLengthExample
Andorra 24 AD12 0001 2030 2003 5910 0100
Austria 20 AT61 1904 3002 3457 3201
Belgium 16 BE68 5390 0754 7034
Bosnia and Herzegovina 20 BA39 1290 0794 0102 8494
Bulgaria 22 BG80 BNBG 9661 1020 3456 78
Croatia 21 HR12 1001 0051 8630 0016 0
Cyprus 28 CY17 0020 0128 0000 0012 0052 7600
Czech Republic 24 CZ65 0800 0000 1920 0014 5399
Denmark 18 DK50 0040 0440 1162 43
Estonia 20 EE38 2200 2210 2014 5685
Finland 18 FI21 1234 5600 0007 85
France 27 FR14 2004 1010 0505 0001 3M02 606
Germany 22 DE89 3704 0044 0532 0130 00
Gibraltar 23 GI75 NWBK 0000 0000 7099 453
Greece 27 GR16 0110 1250 0000 0001 2300 695
Hungary 28 HU42 1177 3016 1111 1018 0000 0000
Iceland 26 IS14 0159 2600 7654 5510 7303 39
Ireland 22 IE29 AIBK 9311 5212 3456 78
Israel 23 IL62 0108 0000 0009 9999 999
Italy 27 IT60 X054 2811 1010 0000 0123 456
Latvia 21 LV80 BANK 0000 4351 9500 1
Liechtenstein 21 LI21 0881 0000 2324 013A A
Lithuania 20 LT12 1000 0111 0100 1000
Luxembourg 20 LU28 0019 4006 4475 0000
Macedonia 19 MK07 3000 0000 0042 425
Malta 31 MT84 MALT 0110 0001 2345 MTLC AST0 01S
Mauritius 30 MU17 BOMM 0101 1010 3030 0200 000M UR
Monaco 27 MC11 1273 9000 7000 1111 1000 h79
Montenegro 22 ME25 5050 0001 2345 6789 51
Netherlands 18 NL91 ABNA 0417 1643 00
Norway 15 NO93 8601 1117 947
Poland 28 PL27 1140 2004 0000 3002 0135 5387
Portugal 25 PT50 0002 0123 1234 5678 9015 4
Romania 24 RO49 AAAA 1B31 0075 9384 0000
San Marino 27 SM86 U032 2509 8000 0000 0270 100
Serbia 22 RS35 2600 0560 1001 6113 79
Slovak Republic 24 SK31 1200 0000 1987 4263 7541
Slovenia 19 SI56 1910 0000 0123 438
Spain 24 ES91 2100 0418 4502 0005 1332
Sweden 24 SE35 5000 0000 0549 1000 0003
Switzerland 21 CH93 0076 2011 6238 5295 7
Turkey 26 TR33 0006 1005 1978 6457 8413 26
Tunisia 24 TN59 1420 7207 1007 0712 9648
United Kingdom 22 GB29 NWBK 6016 1331 9268 19

The following countries use the same IBAN format as France (ie 27 characters beginning FR):

French Guinea, French Polynesia, French Southern Territories, Guadeloupe, Martinique, Mayotte, New Caledonia, Reunion, Saint Pierre et Miquelon, Wallis and Futuna Islands.