IBAN stands for International Bank Account Number and is a number attached to all accounts in the EU countries plus Norway, Switzerland, Liechtenstein and Iceland. The IBAN is made up of a code that identifies the country the account belongs to, the account holder's bank and the account number itself. The IBAN makes it easier and faster to process cross-border payments.

Why use the IBAN?

The IBAN makes automatic processing of cross-border payments easier and enables the bank to check, immediately upon receipt, whether the account numbers are correct. This avoids fees for manual processing of transfers. Using the IBAN when sending funds aids Straight Through Processing (STP) and avoids any associated charges.

How an IBAN is constructed
The IBAN is an international standard (ISO 13616). The number comprises maximum 34 alphanumerical characters, which are structured as follows:
  • Two letters representing the home country of the account-holding bank (ISO 3166 country code with two letters, e.g. IE for Ireland)
  • Two numbers that are a control key
  • Maximum of 30 alphanumeric characters that identify the bank and the ordinary account number
An IBAN in Danske Bank consists of 22 characters, which comprise the ISO country code + control key + sort code + the ordinary account number of 8 digits.

Example of the IBAN in Danske Bank
Here is an example of how an IBAN is constructed for a fictional Danske Bank account with sort code 950121 and account number 12345678:

Country code Control No. Sort code Account No.
GB 08 DABA950121 12345678

Importers and the IBAN
Ask your foreign supplier to notify you of its IBAN so that you can write it on the payment orders that you send via Danske Bank. If your supplier lives in the EU / EEA, the IBAN must appear on its invoices.

Exporters and the IBAN
The IBAN must appear on your invoices so that your foreign customers can write it on the payment orders to you.

How do you get an IBAN?
The bank assigns an IBAN to each of your accounts. You cannot automatically calculate an IBAN yourself, as each bank might have different methods of registering their account numbers in the IBAN. The IBAN appears on account statements and in the bank's online systems.

List of countries in EEA and Switzerland with Mandatory IBAN for Euro payments.

Please note that the accounts listed below are fictional and are for illustrative purposes only.

Country Example of IBAN construction
Austria AT611904300234573278
Belgium BE65539007547034
Bulgaria* BG80BNBG96611020345678
Cyprus CY17002001280000001200527600
Czech Republic CZ6508000000192000145399
Denmark DK5000400440116243
Estonia EE382200221020145685
Finland FI2112345600000786
France FR1420041010050500013M02607
Germany DE89370400440532013087
Gibraltar GI75NWBK000000007099452
Greece GR1601101250000000012300695
Hungary HU42117730161111101800000000
Iceland IS140159260076545510730339
Ireland IE08DABA95150112345678
Italy IT60X0542811101000000123332
Latvia LV80BANK0000435195001
Liechtenstein LI9300762011623852957
Lithuania LT121000011101001000
Luxembourg LU280019400644750000
Malta MT84MALT011000012345MTLCAST001S
Netherlands NL91ABNA0417164299
Norway NO9386011117946
Poland* PL61109010140000071219812874
Portugal PT50000201231234567890154
Romania RO49AAAA1B31007593840000
Slovakia SK3112000000198742637541
Slovenia SI56191000000123438
Spain ES9121000418450200051322
Sweden SE3550000000054910000008
Switzerland CH9300762011623852957
UK GB29DABA95012112345678

 * IBAN mandatory for all currencies.

Some examples of other countries where it is mandatory to use the IBAN if sending payments in particular currencies are listed below.

Country Currency Code Example of IBAN construction
Azerbaijan All currencies AZ21NABZ00000000137010001445
Bahrain All currencies BH29BMAG1299123456BH09
Bosnia and Herzegovina EUR BA391290079401028493
Georgia All currencies GE29NB0000000101904916
Jordan All currencies (as of Feb 2nd, 2014) JO89ARAB1070000000107070608584
Kuwait All currencies KW81CBKU0000000000001234560102
Lebanon All currencies LB19000400000000222317726881
Mauritania EUR MR1300020001010000123456752
Moldova All currencies MD24AG000225100013104167
Pakistan All currencies PK36SCBL0000001123456701
Palestine All currencies PS92PALS000000000400123456701
Qatar All currencies (as of January 1st, 2014) QA58DOHB10001234567890ABCDEFG
San Marino EUR SM86U0322509800000000270101
Saudi Arabia All currencies SA0380000000608010167518
Turkey All currencies TR330006100519785467851327
United Arab Emirates All currencies AE050030000100440001002

Some examples of other countries that support IBAN, though not required, are listed below.

Country Example of IBAN construction
Albania AL47212110090000000235698740
Andorra AD1200012030200359100100
Brazil BR9700360305000010009795493P2
Croatia HR1210010051863000161
Israel IL620108000000099999998
Macedonia MK07250120000058983
Mauritius MR1300020001010000123456752
Monaco MC1112739000700011111000h78
Montenegro ME25505000012345678950
Serbia RS35260005601001611378
Tunisia TN5914207207100707129647

Check if an IBAN is valid
You can check whether an IBAN is valid below.

This check will NOT confirm that the bank account exists, simply that the format of the IBAN conforms to the required standard for the bank and country.

Check IBAN

If you use an incorrect IBAN money may be paid into an account belonging to someone other than the person you intend. It is your responsibility to ensure that you are using the correct IBAN.

More information

Domestic payments
Danske Bank offers a range of options for domestic payments.

Learn more about domestic payments
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