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 and now as ISO 13616:2003. The IBAN consists of a ISO 3166-1 alpha-2 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.
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Examples
Andorran (24 digits) IBAN format: ADkk BBBB SSSS CCCC CCCC CCCC
B = bank code, S = sort code, C = account No.
Austrian (20) IBAN format: ATkk BBBB BCCC CCCC CCCC
The Bs represent the bank code and the Cs the account number.
Belgian (16) IBAN format: BEkk BBBC CCCC CCCC
The last 12 digits represent the bank and account number.
Bosnia and Herzegovina (20) IBAN format: BAkk BBBS SSCC CCCC CCKK
B = bank code, S = sort code, C = account No., K = check digits
Brazil (18) IBAN format: BBBS SSSS CCCC CCCC CC
B = bank code, S = sort code, C = account No.
British (22) 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.
Bulgarian (22) IBAN format BGkk BBBB SSSS DDCC CCCC CC
BBBB = Bank (first four letters of SWIFT BIC, alphanumeric), SSSS = Branch (BAE) number (numeric), DD = Account type (numeric), CCCCCCCC = account number (alphanumberic). Introduced on June 5, 2006.
Croatian (21) IBAN format: HRkk BBBB BBBC CCCC CCCC C
B = bank code, C = account No.
Cyprus (28) IBAN format: CYkk BBBS SSSS CCCC CCCC CCCC CCCC
B = bank code, S = sort code, C = account No.
Czech (24) IBAN format: CZkk BBBB CCCC CCCC CCCC CCCC
The Bs represent the bank code and the Cs the account number.
Danish (18) IBAN format: DKkk BBBB CCCC CCCC CC
The last 14 digits represent the bank and account number.
Estonia (20) IBAN format: EEkk BBBB CCCC CCCC CCCC
B = bank code, C = account No.
Faroe Islands (18) IBAN format: FOkk CCCC CCCC CCCC CC
Same as Denmark, except for the country code.
Finnish (18) 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 (27) IBAN format: FRkk BBBB BGGG GGCC CCCC CCCC CKK
The Bs represent the bank code, the Gs are the code guichet
German (22) IBAN format: DEkk BBBB BBBB CCCC CCCC CC
The first eight digits are the sort code (BLZ) and the last 10 digits an account.
Gibraltar (23) IBAN format: GIkk BBBB CCCC CCCC CCCC CCC
B = first part of BIC, CC = account No.
Greek (27) 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.
Greenlandish (18) IBAN format: GLkk CCCC CCCC CCCC CC
Same as Denmark, except for the country code.
Hungarian (28) IBAN format: HUkk BBBB BBBC CCCC CCCC CCCC CCCC
B = bank code, C = account No.
Icelandic (26) 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 (22) 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 (27) IBAN format: ITkk ABBB BBCC CCCX XXXX XXXX XXX
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 (21) 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).
Liechtenstein (21) IBAN format: LIkk BBBB BCCC CCCC CCCC C
B = bank code, C = account No.
Lithuania (20) IBAN format: LTkk BBBB BCCC CCCC CCCC
B = bank code, C = account No.
Luxembourg (20) IBAN format: LUkk BBBC CCCC CCCC CCCC
B = bank code, C = account No.
Macedonian (19) IBAN format: MKkk BBBC CCCC CCCC CKK
B = bank code, C = account No., K = check digits
Maltese (31) IBAN format: MTkk BBBB SSSS SCCC CCCC CCCC CCCC CCC
B = fist part of BIC, S = sort code, C = account No.
Monaco (27) IBAN format: MCkk BBBB BGGG GGCC CCCC CCCC CKK
Same as France except for the country code.
Dutch (18) IBAN format: NLkk BBBB CCCC CCCC CC
The first 4 alphanumeric characters represent a bank and the last 10 digits an account.
Norwegian (15) IBAN format: NOkk BBBB CC CCCCC
The first 4 alphanumeric characters represent a bank and the last 7 digits an account.
Polish (28) 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.
Portugal (25) IBAN format: PTkk BBBB BBBB CCCC CCCC CCCK K
B = bank code (1-4 bank, 5-8 branch), C = account No., K = check digits
Romanian (24) 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.
San Marino (27) IBAN format: SMkk ABBB BBCC CCCX XXXX XXXX XXX
Same as Italy except for the country code.
Serbia (22) IBAN format: CSkk BBBC CCCC CCCC CCCC CC
B = bank code, C = account No.
Slovakia (24) IBAN format: SKkk BBBB CCCC CCCC CCCC CCCC
B = bank code, C = account No.
Slovenian (19) 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 (24) IBAN format: ESkk BBBB GGGG KKCC CCCC CCCC
Swedish (24) IBAN format: SEkk BBBB CCCC CCCC CCCC CCCC
The Bs represent the bank code and the Cs the account number.
Switzerland (21) IBAN format: CHkk BBBB BCCC CCCC CCCC C
B = bank code, C = account No.
Turkish (26) 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].
Tunisia (24) IBAN format: TNkk BBBB BCCC CCCC CCCC CCCC
B = bank code, C = account No.
2006-10-19 04:25:24
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answer #1
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answered by Brite Tiger 6
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