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What is IBAN? (continued)

Example of an IBAN:
FR14 2004 1010 0505 0001 3M02 606

On a technical level, an IBAN consists of a two-letter country code FR (which indicates France in this case), followed by a two-digit checksum 14 and a domestic bank account number consisting of up to thirty alphanumeric characters 2004 1010 0505 0001 3M02 606. Domestic bank account numbers, often referred to as a Basic Bank Account Number or BBAN, consist of a branch or routing codes and the account number which in some countries may include alphabetics; all BBANs conform to ISO 13616. Various examples of national IBAN formats are listed in the table below. All countries codes conform to ISO 3166-1. The list below includes all countries that have adopted IBAN as of 2006.

IBAN availability worldwide

Key - : EU regulation 2560/2001 (providing free or low-cost cross-border transfers using IBAN) does not apply to these countries along with Guernsey, Jersey, Isle of Man and Vatican City whom are not members of the EU/EEA, kk/K: checksums, BBB: bank code, bbb: branch code, CCC: account number, SSSS: first four characters of BIC code, RR: reserved, X: ID number, ddd: currency code.

CountryInternational Bank Account Number format
Albania ALkk BBBb bbbK CCCC CCCC CCCC CCCC
Andorra ADkk BBBB bbbb CCCC CCCC CC
Austria/ÖsterreichATkk BBBB BCCC CCCC CCCC
Belgium/Belgique/BelgieBEkk BBBC CCCC CCKK
Bosnia and Herzegovina BAkk BBBb bbCC CCCC CCKK
BulgariaBGkk SSSS bbbb CCCC CCCC CC
Croatia HRkk BBBB BBBC CCCC CCCC C
CyprusCYkk BBBb bbbb CCCC CCCC CCCC CCCC
Czech Republic/CeskaCZkk BBBB CCCC CCCC CCCC CCCC
Denmark/DanmarkDKkk BBBB CCCC CCCC CK
EstoniaEEkk BBBB CCCC CCCC CCCK
Faroe Islands/Foroyar FOkk BBBB CCCC CCCC CK
Finland/SuomiFIkk BBBB BBCC CCCC CK
FranceFRkk BBBB Bbbb bbCC CCCC CCCC CKK
Georgia GEkk BBCC CCCC CCCC CCCC CC
Germany/DeutschlandDEkk BBBB BBBB CCCC CCCC CC
GibraltarGIkk BBBB CCCC CCCC CCCC CCC
Greece/EllasGRkk BBBb bbbC CCCC CCCC CCCC CCC
Greenland GLkk BBBB CCCC CCCC CK
Hungary/MagyarorszagHUkk BBBb bbbK CCCC CCCC CCCC CCCK
IcelandISkk BBBB CCCC CCCC XXXX XXXX XX
Ireland/EireIEkk SSSS bbbb bbCC CCCC CC
Israel ILkk KBBBb bbCC CCCC CCCC CCC
Italy/ItaliaITkk KBBB BBbb bbbC CCCC CCCC CCC
Kazakhstan KZkk BBBC CCCC CCCC CCCC
Kuwait KWkk BBBB CCCC CCCC CCCC CCCC CCCC CCCC CC
Latvia/LatvijaLVkk BBBB CCCC CCCC CCCC C
Lebanon LBkk BBBB CCCC CCCC CCCC CCCC CCCC
LiechtensteinLIkk BBBB BCCC CCCC CCCC C
LithuaniaLTkk BBBB BCCC CCCC CCCC
LuxembourgLUkk BBBC CCCC CCCC CCCC
Macedonia MKkk BBBC CCCC CCCC CKK
MaltaMTkk BBBB bbbb bCCC CCCC CCCC CCCC CCC
Mauritania MRkk BBBB Bbbb bbCC CCCC CCCC CKK
Mauritius MUkk BBBB BBbb CCCC CCCC CCCC RRRd dd
MonacoMCkk BBBB Bbbb bbCC CCCC CCCC CKK
Montenegro MEkk BBBC CCCC CCCC CCCC KK
Netherlands/NederlandNLkk BBBB CCCC CCCC CC
Norway/NorgeNOkk BBBB CCCC CCK
Poland/PolskaPLkk BBBB BBBB CCCC CCCC CCCC CCCC
PortugalPTkk BBBB bbbb CCCC CCCC CCCK K
Romania ROkk SSSS CCCC CCCC CCCC CCCC
San Marino SMkk KBBB BBbb bbbC CCCC CCCC CCC
Saudi Arabia SAkkBBCC CCCC CCCC CCCC CCCC
Serbia RSkk BBBC CCCC CCCC CCCC KK
Slovak Republic/SlovenskoSKkk BBBB CCCC CCCC CCCC CCCC
Slovenia/Republika SlovenijaSIkk BBBB BCCC CCCC CCCC CKK
Spain/EspañaESkk BBBB bbbb KKCC CCCC CCCC
Sweden/SverigeSEkk BBBC CCCC CCCC CCCC CCCK
Switzerland/Schweiz/Suisse CHkk BBBB BCCC CCCC CCCC C
Tunisia TNkk BBbb bCCC CCCC CCCC CCKK
Turkey/Turkiye TRkk BBBB BRCC CCCC CCCC CCCC CC
United Kingdom/Great BritainGBkk SSSS bbbb bbCC CCCC CC

Additional notes on IBAN country coverage and validity of EU regulation 2560/2001. France includes these overseas territories where EU regulation 2560/2001 is valid: French Guiana, Guadeloupe, Martinique and Réunion. France also covers these overseas French territories where EU regulation 2560/2001 is not valid: New Caledonia, French Polynesia, Saint Pierre and Miquelon, French Southern Territories, Wallis and Futuna, and Mayotte. Spain includes: Canary Islands, Ceuta and Melilla. Portugal includes: Azores and Madeira. Northern Ireland bank transfers are cleared through Republic of Ireland or United Kingdom depending on the bank. As previously noted Guernsey, Jersey and Isle of Man are not EU/EEA members so EU regulation 2560/2001 does not apply. Guernsey and Jersey are cleared through France or United Kingdom depending on the bank. Isle of Man bank transfers are cleared through United Kingdom.

BIC + IBAN = free bank transfers in Euros

Provided the equivalent domestic bank transfer is free, then under EU regulation 2560/2001 a BIC + IBAN cross border bank transfer is also free to a sender or recipient in that country.

Domestic bank transfers are known variously as: Transfert bancaire local in France and Belgium/Belgique, Transferencia dentro de España in Spain/España, Trasferimento bancario Domestico in Italy/Italia, Bankoverchrijving in Belgium/Belgie, Overboeking in Netherlands/Nederland, Inlandsüberweisung in Austria/Österreich, Germany/Deutschland, Switzerland/Schweiz and Liechtenstein, Domestic Bank Transfer in Ireland/Eire and United Kingdom, Bankoverchrijving in Finland/Suomi, Nettgiro in Norway/Norge, Bankgiro in Sweden/Sverige, Domestic Bank Transfer in Denmark/Danmark, HUF Giro-System in Hungary/Magyarorszag, Przelew krajowy in Poland/Polska, and Tuzemska uhrada in Czech Republic/Ceska Republika, Slovakia/Slovensko and Slovenia/Republika Slovenija. Check with your bank for details and costs (if any) of domestic bank transfers.

Article continues in BIC, IBAN and SWIFT bank transfers.