11/10/2024
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  • IBAN - International Bank Account Number

    General

    As the name implies, it should be an internationally usable account number. The claim of that name is however not fulfilled so far because the IBAN is used mainly in payments within the European Union but otherwise is little widespread. The idea in the design of the IBAN was to replace national account numbers with internationally accepted unique account numbers. In this way, new impetus to the ongoing globalization and the e-commerce should be set.

    Already in the early design phase it was clear that a radical change in the structure of national account numbers would be impractical and unenforceable. The expected costs would be an enormous barrier for the dissemination of the required standards. A way out of this situation was found in the creation of an overarching framework. The national structures remain unchanged but be brought into a internationally unique representation, that is managed by the ISO. As a result, special IBAN structures for each national account must be defined, so that each can be transformed to or from an IBAN.

    The final, global acceptance of the IBAN is expected not until a few years. Currently there are about 50 countries that have defined an IBAN standard.

    Structure

    The IBAN is composed of the three basic components, country code, checksum, and account identification (BBAN - Basic Bank Account Number). The country code consists of two letters and corresponds to the definition according ISO 3166-1. The 2 digits checksum, calculated from the IBAN with a special algorithm, is used to detect invalid IBANs. The account identification is composed of the different national components according to the definition of the State, defined by the country code. Due to the different composition of the account identification in the different countries, the IBAN has no generally valid length. The maximum length of an IBAN is including country code and check digits, 34 characters.

    Length ->12345678910111213141516171819202122232425262728293031323334
    Length ->12345678910111213141516171819202122232425262728293031323334
    AndorraADppbbbbzzzzkkkkkkkkkkkk
    AustriaATppbbbbbkkkkkkkkkkk
    BelgiumBEppzzzkkkkkkkPP
    BulgariaBGppbbbbzzzzkkiiiiiiii
    SwitzerlandCHppzzzzzkkkkkkkkkkkk
    CyprusCYppbbbzzzzzkkkkkkkkkkkkkkkk
    Czech RepublicCZppbbbbKKKKKKkkkkkkkkkk
    GermanyDEppbbbbbbbbkkkkkkkkkk
    DenmarkDKppzzzzkkkkkkkkkP
    EstoniaEEppnnbbkkkkkkkkkkkP
    SpainESppbbbbzzzzPPkkkkkkkkkk
    FinlandFIppzzzzzzkkkkkkkP
    FranceFRppbbbbbzzzzzkkkkkkkkkkkPP
    United KingdomGBppnnnnzzzzzzkkkkkkkk
    GibraltarGIppnnnnkkkkkkkkkkkkkkk
    GreeceGRppbbbzzzzkkkkkkkkkkkkkkkk
    CroatiaHRppbbbbbbbkkkkkkkkkk
    HungaryHUppnnnzzzzPkkkkkkkkkkkkkkkP
    IrelandIEppnnnnzzzzzzkkkkkkkk
    IcelandISppzzzzttkkkkkkiiiiiiiiii
    ItalyITppPbbbbbzzzzzkkkkkkkkkkkk
    LiechtensteinLIppbbbbbkkkkkkkkkkkk
    LithuaniaLTppbbbbbkkkkkkkkkkk
    LuxembourgLUppbbbkkkkkkkkkkkkk
    LatviaLVppnnnnkkkkkkkkkkkkk
    MaltaMTppnnnnbbbbbkkkkkkkkkkkkkkkkkk
    NetherlandsNLppnnnnkkkkkkkkkk
    NorwayNOppzzzzkkkkkkP
    PolandPLppzzzzzzzzkkkkkkkkkkkkkkkk
    PortugalPTppbbbbzzzzkkkkkkkkkkkPP
    RomaniaROppbbbbkkkkkkkkkkkkkkkk
    SwedenSEppzzzkkkkkkkkkkkkkkkkP
    SloveniaSIppbbbbbkkkkkkkkPP
    Slovak RepublicSKppbbbbKKKKKKkkkkkkkkkk
    TunisiaTNppkkkkkkkkkkkkkkkkkkkk
    TurkeyTRppbbbbbrkkkkkkkkkkkkkkkk

    Country code ISO 3166-1
    pChecksum ISO 7064
    bBank code
    zBank-Branch code
    nBank identification number
    kAccount number
    KPrefix of Account number
    tAccount type
    iIdentification number
    rReserved
    PRegional Checksum
    PAnother regional Checksum

    Representation

    It is distinct between electronic and paperformat in the representation of the IBAN. In the electronic representation are all characters of the IBAN without spaces or additional information present. On paper, the IBAN for easier reading is separated to blocks of 4 digits with the foregoing Label 'IBAN'.

    For example:

    paperformat - IBAN DExx xxxx xxxx xxxx xxxx xx

    electronic format - DExxxxxxxxxxxxxxxxxxxx