IBAN number : find, check or calculate your IBAN
Sending money internationally often means using an IBAN. Find, check or calculate an IBAN number. Everything you need to get the right IBAN code for your transfer. Don't worry, we don't store or view any of the data you enter here.
What is an IBAN number?
An IBAN (International Bank Account Number) is a standardized code that identifies a specific bank account for international payments. Up to 34 characters long, it combines a country code, check digits, and your local account details into a single string. More than 80 countries use them, mostly across Europe, the Middle East, and parts of the Caribbean.
Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN number below.
Example of an IBAN in United Kingdom
Browse formats by country
Click any country to see its IBAN format and a working example.
Show all countries
AD · 24 chars
AE · 23 chars
AL · 28 chars
AT · 20 chars
AZ · 28 chars
BA · 20 chars
BE · 16 chars
BG · 22 chars
BH · 22 chars
BR · 29 chars
CH · 21 chars
CR · 22 chars
CY · 28 chars
CZ · 24 chars
DK · 18 chars
DO · 28 chars
EE · 20 chars
EG · 29 chars
FI · 18 chars
FO · 18 chars
GE · 22 chars
GI · 23 chars
GL · 18 chars
GR · 27 chars
GT · 28 chars
HR · 21 chars
HU · 28 chars
IE · 22 chars
IL · 23 chars
IS · 26 chars
JO · 30 chars
KW · 30 chars
KZ · 20 chars
LB · 28 chars
LI · 21 chars
LT · 20 chars
LU · 20 chars
LV · 21 chars
MC · 27 chars
MD · 24 chars
ME · 22 chars
MK · 19 chars
MR · 27 chars
MT · 31 chars
MU · 30 chars
NO · 15 chars
PS · 29 chars
QA · 29 chars
RS · 22 chars
SA · 24 chars
SE · 24 chars
SI · 19 chars
SK · 24 chars
SM · 27 chars
TN · 24 chars
UA · 29 chars
VG · 24 chars
XK · 20 chars
IBAN vs. SWIFT/BIC vs. routing number
These three codes get mixed up all the time, but they do different jobs. The IBAN identifies the destination account. The SWIFT/BIC code routes the payment to the right bank. The US routing number is for domestic US transfers only.
IBAN — Identifies an individual account. Used in 80+ countries (mostly Europe, Middle East). 15–34 alphanumeric characters. Needed for sending or receiving across borders into IBAN countries.
SWIFT/BIC — Identifies a bank or branch. Used worldwide for international transfers. 8 or 11 characters. Routes the message between banks.
Routing number — Identifies a US bank. Used in the United States only. 9 digits. Needed for domestic ACH or wire transfers in the US.
For most transfers into IBAN countries, your recipient will need to share both their IBAN and their bank's SWIFT/BIC code.
When you'll need an IBAN
If you're sending money to a bank account in Europe, the Middle East, or another IBAN country, you'll need an IBAN. It comes up more often than you might expect:
Sending money to family or friends with a bank account in an IBAN country.
Paying tuition, rent, or an invoice to someone based in an IBAN country.
Receiving your salary, a freelance payment, or a pension from an employer or client abroad.
Getting a refund from a European retailer, hotel, or airline back to your bank account.
Receiving payouts from platforms like Upwork, Etsy, or Amazon if your account is in an IBAN country.
IBAN and SEPA: how they work together
SEPA stands for Single Euro Payments Area. It's a payment zone covering 36 countries, including all EU member states plus the UK, Switzerland, Norway, Iceland, and a handful of smaller European nations.
If your transfer is between two SEPA countries and is in euros, it works like a domestic payment. Standard SEPA transfers arrive within one business day. SEPA Instant transfers arrive in under 10 seconds, any time of day, any day of the year.
For SEPA transfers, your IBAN is the only account detail the sender needs. You don't need to share your BIC or any branch information. If you're receiving a salary, freelance payment, or pension from a European source and your account is in a SEPA country, your IBAN alone is enough to get paid.
Countries that don't use IBAN
Not every country uses IBANs. The United States, Canada, Mexico, Australia, New Zealand, China, Japan, and most of Latin America use their own account numbering systems instead. If you're sending to one of these countries, you'll typically need:
The recipient's full name and address as it appears on their account.
The bank name and SWIFT/BIC code.
The local account number, plus the country's routing identifier (a US routing number, sort code, CLABE, BSB, or similar).
Ria sends money to more than 190 countries, IBAN or not. Start a transfer and we'll ask for exactly what your destination requires.
How an IBAN compares to other account codes
Different countries use different codes to identify bank accounts. If you're sending money somewhere that doesn't use IBANs, you'll need whichever local format applies. Here are the most common ones:
SWIFT/BIC code — identifies a specific bank, not an account. Used worldwide alongside an IBAN or local account number to route international payments.
Routing number (ABA) — a 9-digit US code used for domestic transfers. Not accepted for international payments.
CLABE — an 18-digit code used in Mexico for bank transfers, both domestic and incoming international.
Sort code — a 6-digit code used in the UK and Ireland to identify a bank and branch for domestic transfers.
BSB number — a 6-digit code used in Australia, similar to a US routing number.
IFSC code — an 11-character code used in India for domestic bank transfers.
Transit number — used in Canada to identify a bank branch, combined with a 3-digit institution number.
When you send with Ria, we ask for exactly what your destination requires. You don't need to know the format in advance. Just tell us where you're sending and we'll take it from there.
IBAN for business
If your business pays or receives money internationally, IBANs come up all the time. A few of the most common situations:
Paying overseas suppliers or contractors by bank transfer, especially for invoices in euros, pounds, or Swiss francs.
Running payroll for remote employees or contractors in IBAN countries.
Receiving recurring payments from European customers through SEPA Direct Debit.
Ria supports international transfers to IBAN countries with competitive rates and fees shown upfront.
Send to IBAN countries with Ria
Ria sends money to bank accounts in more than 190 countries, including every IBAN destination. Once you have the IBAN, starting a transfer is simple. Enter your recipient's details, check the rate and fee, and send. Everything is shown upfront before you confirm.
Send money to popular IBAN destinations with Ria:
Spain
Germany
Italy
Romania
Portugal
Turkey
France
Greece
Frequently asked questions
What does IBAN stand for?
IBAN stands for International Bank Account Number. It's a standardized code up to 34 characters long that identifies a single bank account for international payments. More than 80 countries use the same format, which makes it reliable for cross-border transfers anywhere in the IBAN zone.
Is an IBAN the same as my account number?
Not quite. Your IBAN includes your local account number, but it also adds a country code, two check digits, and a bank identifier. That extra information is what lets banks anywhere in the world route a payment to the right place. Your local account number is just one part of the full IBAN.
Is an IBAN the same as a routing number?
No. A routing number is a 9-digit code used only for domestic payments inside the United States. An IBAN is an international format used in 80+ countries. A routing number can't be used to send money to Europe, and an IBAN isn't accepted for a US-only transfer.
How do I get an IBAN?
Your bank issues an IBAN automatically when you open an account in an IBAN country. You don't apply for one separately. If you already have your local account number and just need the IBAN format, use Ria's free IBAN calculator to build it in seconds.
How long is an IBAN?
Between 15 and 34 characters, depending on the country. Norway uses the shortest format at 15 characters; several Caribbean countries use the longest at 34. The length is fixed per country, so any IBAN that doesn't match its country's standard length is invalid.
Is it safe to share my IBAN?
Yes. An IBAN is an identifier, not a credential. Knowing it alone doesn't let anyone access or withdraw from your account, and you have to share it to receive money from abroad. Be cautious only if a request for your IBAN comes alongside a request for passwords, security codes, or one-time codes. That combination is the warning sign, not the IBAN itself.
Can I have an IBAN if I live in a country that doesn't use the IBAN system?
Only by opening an account at a bank in an IBAN country. Some online financial services, including Wise and Revolut, give customers a European IBAN even when they live in the US or another non-IBAN country. A traditional US, Canadian, or Mexican bank account cannot have an IBAN.
Do US banks use IBAN?
No. US banks don't use IBANs. For domestic transfers they use ABA routing numbers, and for international transfers they use SWIFT codes and account numbers. If someone asks for your IBAN and you have a US bank account, give them your routing number, account number, and your bank's SWIFT code instead.
Do I need an IBAN to receive money internationally?
It depends on where your account is held. If you're banking in an IBAN country, yes. Share your IBAN and your bank's SWIFT/BIC code with whoever is sending. If you're in the US, you don't have an IBAN. Give the sender your bank's SWIFT code and account number instead, plus a routing number if they're sending via ACH.