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IBAN - International Bank Account Number

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IBAN - International Bank Account Number  
The International Bank Account Number (IBAN) is a standard used to identify a bank account in international transactions, particularly but not exclusively in Europe.

The use of an IBAN in conjunction with the receiving or beneficiary bank's SWIFT address/BIC code (Bank Identifier Code) facilitates the automatic execution of international payments and ensures correct identification of the receiver's account.

In support of EU legislation, the European banking industry decided that as and from 1 January 2007, provision of the valid IBAN and BIC information of the receiver's account is mandatory for all international Euro payments from EU member states, Norway, Iceland, Liechtenstein and Switzerland, regardless of value.

Making payments to Europe

If you are making international Euro payments to another EU member state, Norway, Iceland, Liechtenstein or Switzerland, you should quote the IBAN of the receiver's account on the payment in conjunction with the receiving bank's SWIFT BIC. Usually these details will be quoted on your suppliers' invoices - or else you should ask for them directly from your supplier before making your payments.

Receiving payments from Europe

If you are receiving Euro payments from Europe, you should inform the sender of the payment of your own IBAN and BIC details to ensure you receive the funds as soon as possible. Your IBAN and First Trust Bank’s SWIFT BIC details are quoted on your First Trust Bank Account statements.

If you are a business customer and in receipt of Euro payments from an EU member state, Norway, Iceland and Liechtenstein, you are legally obliged under EU Regulation 2560/2001 to advise your customers of your IBAN and BIC information.

Your local branch can answer any queries you may have in relation to your IBAN.

How will the IBAN be identified?

An IBAN contains additional characters in front of a normal domestic account number. These characters consist of a 2 letter country code followed by a 2 digit check number.

The following is an example of a UK IBAN

Country Code Check Number Bank Code Sort Code & Account Number
GB 26 FTBK 93809212345678

Country code:

This indicates the country where the account is held.

Check Number:

This 2 digit check number is calculated by the bank issuing the IBAN, using a standardised formula applied to the whole IBAN. This formula allows the sending bank to validate the numerical accuracy of the quoted IBAN.

Bank Code:

Some countries have incorporated a bank code (i.e. the first four letters of the bank SWIFT address) in front of the standard domestic account number to clearly identify the account holding bank.

Sort Code and Account Number:

This is the existing domestic bank account number, including national sort code.

Using IBAN on Payment Instructions

Please note that the IBAN in printed format (such as an invoice) is likely to be prefaced by the word IBAN e.g. IBAN AT611904300234573201.

You should NOT enter the word IBAN on any input to the bank.

You should not include any spaces when quoting the IBAN. The IBAN should be presented as a continuous string of alphanumeric characters i.e. AT611904300234573201.

Lengths and formats of IBANs across Europe

There are standard lengths and formats of alphanumeric characters for IBANs in respect of each country - e.g. in the UK, the standard is 22 characters.

When completing payment instructions, please ensure that your beneficiary's IBAN corresponds in length to the IBAN length as indicated in the following table:


European IBAN Formats
Country Number of Characters Example of IBANs per country
 1. Austria 20 AT611904300234573201
 2. Belgium 16 BE68539007547034
 3. Bulgaria 22 BG62UBBS80021079354517
 4. Cyprus 28 CY17002001280000001200527600
 5. Czech Republic 24 CZ6508000000192000145399
 6. Denmark 18 DK5000400440116243
 7. Estonia 20 EE382200221020145685
 8. Finland 18 FI2112345600000785
 9. France 27 FR1420041010050500013M02606
10. Germany 22 DE89370400440532013000
11. Greece 27 GR1601101250000000012300695
12. Hungary 28 HU42117730161111101800000000
13. Iceland 26 IS140159260076545510730339
14. Ireland 22 IE29AIBK93115212345678
15. Italy 27 IT60X0542811101000000123456
16. Latvia 21 LV80BANK0000435195001
17. Liechtenstein 21 LI21088100002324013AA
18. Lithuania 20 LT121000011101001000
19. Luxembourg 20 LU280019400644750000
20. Malta 31 MT84MALT011000012345MTLCAST001S
21. Netherlands 18 NL91ABNA0417164300
22. Norway 15 NO9386011117947
23. Poland 28 PL27114020040000300201355387
24. Portugal 25 PT50000201231234567890154
25. Romania 24 RO49AAAA1B31007593840000
26. Slovack Republic 24 SK3112000000198742637541
27. Slovenia 19 SI56191000000123438
28. Spain 24 ES8023100001180000012345
29. Sweden 24 SE3550000000054910000003
30. United Kingdom 22 GB29NWBK60161331926819


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