International Bank Account Number (IBAN)
An International Bank Account Number (IBAN) is a standardized code used to uniquely identify bank accounts worldwide. It ensures that international money transfers reach the correct destination without errors. Whether you need to validate a code, generate your own, or understand the difference between IBAN and SWIFT, our tools and guides help you send money with confidence.
Validate an IBAN number
Sending money to an incorrect account number can lead to failed transfers, delays, or unexpected bank fees. Before you send a payment, use our IBAN Checker to verify that the code follows the correct standard format and checksum rules. This tool helps to validate IBAN number and minimizes the risk of processing errors.
Search IBAN Formats by Country
IBAN lengths and structures vary significantly across the globe. While a standard IBAN always contains a country code and check digits, the number of characters and the placement of the bank code differ by region. Explore our comprehensive directory to view the specific IBAN structure, character length, and valid examples for every country in the SEPA zone and beyond.
Calculate your IBAN
Can't find the IBAN on your bank statement or online portal? Use our IBAN Calculator to generate online. Simply choose the country and enter your local bank details such as an account number, sort code, or branch code and we will create the correct international format for you to use.
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Search IBAN formats by country
Each country uses a unique IBAN format with different account details. Select a country to see an example and generate your own using your banking information.
- Albania
- Andorra
- United Arab Emirates
- Austria
- Belgium
- Bahrain
- Brazil
- Switzerland
- Cyprus
- Czech Republic
- Germany
- Denmark
- Dominican Republic
- Egypt
- Spain
- Estonia
- Finland
- France
- United Kingdom
- Greece
- Guatemala
- Croatia
- Hungary
- Ireland
- Iceland
- Israel
- Italy
- Kuwait
- Liechtenstein
- Lithuania
- Monaco
- Moldova
- Malta
- Mauritania
- Netherlands
- Norway
- Pakistan
- Poland
- Portugal
- Qatar
- Saudi Arabia
- El Salvador
- San Marino
- Slovakia
- Slovenia
- Sweden
- Ukraine
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Frequently asked questions
Remitly FAQ
Is it safe to share my IBAN to receive a payment?
Yes, sharing your IBAN is generally safe and is the standard way to receive funds in many countries. It functions similarly to sharing an email address for a digital wallet, it tells the sender where the money should go, but it does not give them access to the funds inside. If you suspect suspicious activity, visit our Fraud and Scam Victim Resources page.Does the recipient's name need to match the IBAN exactly?
Yes, for security reasons, banks are increasingly checking that the name on the transfer matches the name registered to the IBAN. If the names do not match (e.g., sending to "John Smith" but the IBAN belongs to "Jane Doe"), the receiving bank may reject the transfer or delay it for manual review. Always ensure you have the full, legal name of your recipient.Does using an IBAN make international transfers faster?
Often, yes. Because the IBAN format contains precise routing information (including the country, bank, and branch), it reduces the chance of manual processing errors that cause delays. When you use a valid IBAN with Remitly, our system can instantly recognize the destination bank, helping speed up the verification process.How does Remitly use the recipient's IBAN?
Remitly uses the IBAN to automatically identify the correct country, bank, branch, and individual account for your transfer. This standardized code allows our system to route your money through the global banking network instantly, often removing the need for you to manually enter extra details like the bank’s physical address or specific branch codes.How do I initiate a transfer to an IBAN using Remitly?
To send funds to an IBAN, select "Bank Deposit" as your delivery method within the Remitly app or website. When prompted for recipient details, input the full IBAN in the designated account number field. Our system will automatically validate the format to ensure it complies with the destination country's banking standards before you proceed to payment.Do credit cards have an IBAN?
Typically, no. Credit cards use a 16-digit card number for processing payments. An IBAN is attached to a bank account. However, some prepaid cards or "neobanks" may provide a "Virtual IBAN" that links to the card balance, allowing you to receive bank transfers directly onto the card.Where can I locate my IBAN?
You can typically find your IBAN by logging into your online banking portal or mobile app; it is often listed under "Account Details" or "International Transfers." It is also printed on your physical bank statements. If you cannot locate it, you may use an IBAN Calculator to generate the correct code using your local account details.Why can't I find an IBAN for my bank account in the United States?
The United States does not participate in the IBAN system. Instead, US banks use ABA Routing Numbers for domestic transfers and SWIFT/BIC codes for international transfers. If you are sending money to the US, you will likely need the recipient’s Routing Number and Account Number, not an IBAN.What is the relationship between SEPA and IBAN?
SEPA (Single Euro Payments Area) is the system that makes bank transfers between European countries as cheap and fast as domestic ones. The IBAN is the specific account identifier required to make a SEPA transfer. You generally cannot make a SEPA payment without a valid IBAN.Do I need a SWIFT code if I already have the IBAN?
In many cases, yes. While the IBAN identifies the specific account, the SWIFT (or BIC) code identifies the bank itself on the global network. Within Europe (SEPA zone), an IBAN is often sufficient, but for transfers to other regions, banks frequently require both codes to ensure the money routes correctly.What is the distinction between an IBAN and a BIC?
While both codes are essential for international wire transfers, they serve different functions within the banking network. A BIC (Bank Identifier Code) identifies the specific financial institution and branch involved in the transaction. In contrast, an IBAN (International Bank Account Number) identifies the individual bank account held by the recipient. Effectively, the BIC routes funds to the correct bank, while the IBAN directs them to the specific customer account. For assistance in locating a specific institution's identifier, explore our directory of SWIFT/BIC codes.