Ensure your International Bank Account Number (IBAN) is valid with our free IBAN Checker, which verifies its format and breaks down each component for clarity.
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This IBAN is a match
Please note, while the IBAN has a match in our records, we can’t guarantee its authenticity or ensure it’s the correct IBAN for the intended account —be sure to confirm it with your recipient or bank.
Valid IBAN details:
IBAN
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Bank
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Account
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Country
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This IBAN is not recognised
Please double-check the entered IBAN’s details.
What is an IBAN number?
An IBAN (International Bank Account Number) is a standardised way to identify bank accounts and financial institutions across countries. It helps ensure international payments, cross-border payments, and international transfers reach the correct account.
An IBAN is a combination of alphanumeric characters made up of:
Country Code – 2 letters (e.g., GB for the UK)
Check Digits – 2 numbers (used to validate the IBAN)
Basic Bank Account Number (BBAN) – varies by country and includes bank account details (in the UK this includes the bank code, sort code/ branch code, and bank account number)
Examples of IBANs
United Kingdom:GB29 NWBK 6016 1331 9268 19
Germany:DE89 3704 0044 0532 0130 00
France:FR14 2004 1010 0505 0001 3M02 606
Spain:ES91 2100 0418 4502 0005 1332
Please note: When written, IBANs are usually shown in groups of 4 characters for readability purposes. However no spaces should be included when entered digitally (e.g., for online banking).
Where can I find my IBAN?
You can usually find your IBAN in one of the following places:
Bank statement
Digital or paper statements will typically list your IBAN alongside your account number and sort code.
Online or mobile Banking
Log into your account and look for “Account Details,” “Account Info,” or “International Payments”.
Your IBAN is often shown next to your BIC or SWIFT code.
Ask your bank or financial institution
Call or visit your bank branch, they can provide you with your IBAN directly.
Common IBAN mistakes
Typos and mistakes IBANs are long, and when entering them manually it can be easy to make a typo. Copying and pasting the number where possible can help reduce this risk.
Incorrect recipient details Along with the IBAN, banks may require additional recipient information. Ensure these details are entered correctly, as an error in any part could cause the transfer to be rejected.
Using an incorrect format Use the digital format provided by your bank for online transfers. Remember no spaces are included in IBANs when entered digitally, and any seen will be for readability purposes only.
Why were IBANs introduced?
IBANs were introduced to make international bank transfers faster, more accurate, and less prone to errors.
By introducing a common standard for account number formats across countries, they help reduce mistakes, speed up processing times, and support initiatives like SEPA in Europe. The built-in check digits (the 2 numbers following the country code) also make it easier to detect errors early, improving security and efficiency in global payments.
When do you need an IBAN?
Sending money abroad If you're making an international payment from your bank account to someone in a country that uses IBANs, you’ll be asked for the recipient’s IBAN.
Receiving international payments If someone overseas is sending money to your account, they’ll need your IBAN to make sure it reaches you correctly.
Business payments across borders Companies often use IBANs to streamline payroll, invoices, and supplier payments when dealing internationally.
Within the SEPA area (Single Euro Payments Area) If you're making transfers in euros across European countries, IBANs are essential — even for what feel like “local” transfers across borders.
When don't you need an IBAN?
Domestic bank transfers For local payments within your own country, you'll usually just need traditional bank details (like a sort code and account number in the UK, or a routing number in the US).
Payments in countries that don’t use IBANs Countries like the United States, Canada, Australia, New Zealand, and Japan don’t use IBANs. Instead, they rely on different systems (like SWIFT codes, routing numbers, and BSB numbers).
Credit/ debit card payments IBANs are for bank transfers, not for card payments or direct debits tied to card networks like Visa or Mastercard.
Do You Need an IBAN in the United Kingdom?
Yes, you do need an IBAN in the United Kingdom, but only for cross-border payments.
However, for domestic payments within the UK (like paying someone by bank transfer), you just need a sort code and account number (not an IBAN).
Confirm all payment details with the recipient to avoid errors
We can verify whether your IBAN is in the correct format, but we can’t confirm whether it actually exists or belongs to the intended account. This tool is designed to help you double-check known details, such as the country and bank.
Always confirm the IBAN with your recipient or bank before sending or receiving money.
If you think you've entered the wrong IBAN for a transfer, contact your bank immediately. They may be able to stop or reverse the transaction. If it's too late to cancel, you may need to reach out to the recipient directly and ask them to return the funds.
This publication is intended for general information purposes only and should not be construed as financial, legal, tax, or other professional advice from Equals Money PLC or its subsidiaries and affiliates.It is recommended to seek advice from HMRC, a financial advisor, tax expert, or other professional. We do not make any representations, warranties, or guarantees, whether expressed or implied, regarding the accuracy, or completeness of the content in the publication.
