IBAN Structure

Understand the IBAN code structure and its components by country

General IBAN Structure

The IBAN has a standard structure that varies slightly by country, but always follows this base format:

XXNNBBBB...

Country code

ISO 3166-1

Check digits

mod-97

Bank identifier

Account number

Total length: Between 15 and 34 characters depending on the country

Structure by Country

Spain

Length: 24 characters

Example:ES9121000418450200051332

2100

0418

450200051332

COUNTRY

ISO country code

2 Length characters

CONTROL

Check digits

2 Length characters

BANK

Bank code

4 Length characters

BANK

Branch code

4 Length characters

BANK

Account number

10 Length characters

France

Length: 27 characters

Example:FR763000600011234567890189

30006

00011

234567890

189

COUNTRY

ISO country code

2 Length characters

CONTROL

Check digits

2 Length characters

BANK

Bank code

5 Length characters

BANK

Branch code

5 Length characters

BANK

Account number

11 Length characters

BANK

RIB Key

2 Length characters

Germany

Length: 22 characters

Example:DE89370400440532013000

37040044

0532013000

COUNTRY

ISO country code

2 Length characters

CONTROL

Check digits

2 Length characters

BANK

BLZ (Bankleitzahl)

8 Length characters

BANK

Account number

10 Length characters

United Kingdom

Length: 22 characters

Example:GB29NWBK60161331926819

NWBK

601613

31926819

COUNTRY

ISO country code

2 Length characters

CONTROL

Check digits

2 Length characters

BANK

Bank code

4 Length characters

BANK

Branch code

6 Length characters

BANK

Account number

8 Length characters

mod-97 Validation Algorithm

The IBAN uses a validation algorithm called mod-97 to ensure the code is correct:

Move the first 4 characters (country code + control) to the end of the IBAN
Convert all letters to numbers (A=10, B=11, ..., Z=35)
Divide the resulting number by 97
The remainder must be 1 for the IBAN to be valid
The check digit is calculated as (98 - remainder)

Countries Using IBAN

Spain

France

Germany

Italy

Portugal

Netherlands

Belgium

Austria

Switzerland

Sweden

Norway

Denmark

Finland

Poland

Czech Republic

Hungary

Romania

Bulgaria

Greece

Cyprus

Malta

Luxembourg

Slovenia

Slovakia

Lithuania

Latvia

Estonia

Ireland

United Kingdom

Iceland

And more countries outside Europe such as Turkey, Israel, Saudi Arabia and United Arab Emirates

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