What Is an IBAN? International Bank Account Numbers Explained (2025 Guide)

If you've ever sent or received money internationally, you've probably seen the term IBAN. But what exactly is an IBAN, and why is it important for global payments?

What Is an IBAN?

• IBAN (International Bank Account Number): A standardized format for identifying bank accounts across borders
• Purpose: Makes international transfers faster, safer, and less prone to errors
• Not the same as SWIFT/BIC: IBAN identifies the account, SWIFT/BIC identifies the bank

How Is an IBAN Structured?

• Country code: 2 letters (e.g., DE for Germany, GB for UK)
• Check digits: 2 numbers (used for error detection)
• Bank code + account number: Varies by country

Example IBANs:

• Germany: DE89 3704 0044 0532 0130 00
• UK: GB29 NWBK 6016 1331 9268 19
• France: FR14 2004 1010 0505 0001 3M02 606

Which Countries Use IBANs?

• Europe: All EU/EEA countries, UK, Switzerland, Norway, etc.
• Middle East: UAE, Saudi Arabia, Israel, etc.
• Other: Turkey, Pakistan, some African countries
• Not used in: USA, Canada, Australia, New Zealand, most of Asia

Full IBAN country list (Wikipedia)

How to Find and Validate Your IBAN

• Bank statement or online banking: Most banks display your IBAN
• Ask your bank: They can provide your correct IBAN
• Use our IBAN Validator: Instantly check if an IBAN is valid and correctly formatted
• Manual check: Ensure correct length, country code, and check digits

Real-World Use Cases

• Freelancers/businesses: Receive payments from international clients
• Individuals: Send money abroad to family or friends
• Avoiding errors: Using the correct IBAN prevents failed or delayed transfers

Actionable Tips for Using IBANs

• Always double-check the IBAN before sending money
• Use official validators (like our IBAN Validator)
• Never share your IBAN with untrusted parties (watch for phishing)
• If unsure, confirm with your bank

Step-by-Step: Using the Cebofo IBAN Validator

1. Go to the IBAN Validator
2. Enter the IBAN (no spaces)
3. Click "Validate"
4. See if the IBAN is valid and matches the country's format
5. Use the result to confirm before sending or receiving money

In-Depth FAQ

Do I need an IBAN for all international transfers?

No, but most European and many global banks require it. Some countries use other systems (like routing numbers in the US).

What's the difference between IBAN and SWIFT/BIC?

IBAN identifies the account, SWIFT/BIC identifies the bank. Both are often needed for international transfers.

Can I generate my own IBAN?

No. Only your bank can issue a valid IBAN for your account.

What happens if I use the wrong IBAN?

The transfer may fail, be delayed, or go to the wrong account. Always double-check.

How do I check if an IBAN is valid?

Use our IBAN Validator or ask your bank.

References & Further Reading

• European Central Bank: IBAN
• UK Finance: IBAN
• Wikipedia: IBAN
• Cebofo IBAN Validator

Instantly check any IBAN: IBAN Validator