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If you’re sending or receiving money internationally, you might be asked for your IBAN number. Many customers are unsure where to find it or how it’s generated from their account details.
This guide will show you how to find your IBAN number, how to get it from your account number, and where to look depending on your bank and country.
IBAN stands for International Bank Account Number. It’s a globally standardized format for bank account identification that helps process international payments accurately.
An IBAN is made up of:
Example (UK): GB29 NWBK 6016 1331 9268 19
How to Find Your IBAN Number
Finding your IBAN number depends on your country, bank, and the services they provide. Here’s a step-by-step process:
Most banks in IBAN-adopting countries print the IBAN on paper or PDF bank statements. Look for:
Tip: If you have multiple accounts, make sure you check the statement for the correct account.
Many banks display the IBAN in your account details section when you log in to online or mobile banking.
Steps:
3. Use Your Bank’s IBAN Calculator
Some banks provide an IBAN generator or calculator on their website. You enter your domestic account number, branch code, or sort code, and it outputs your IBAN.
Important: Only use your bank’s official website or verified apps to avoid phishing scams.
4. Contact Your Bank Branch
If you can’t find the IBAN online, call your bank’s customer service or visit the nearest branch. They can:
5. Check Your Chequebook or Payment Card Documents
Some banks print IBAN numbers on the back of chequebooks or in account opening documents—especially in countries where IBAN is mandatory.
If you already have your account number, you can often generate your IBAN using your bank’s official IBAN calculator. This works because:
Example: If your German account number is 1234567890 and bank code is 50010517, the IBAN calculator might give: DE44 5001 0517 1234 5678 90
⚠Note: Never use third-party IBAN calculators for security reasons—only your bank’s official tool.
India does not use IBAN numbers. For international transfers to/from India:
If you’re an Indian bank customer wanting to find your IBAN, remember the system does not officially use IBAN. Instead, rely on IFSC and SWIFT details provided by your bank.
Common Mistakes When Finding Your IBAN
Quick Reference Table: Where to Find Your IBAN
FAQs
Use your bank’s official IBAN calculator or contact customer service. They will combine your account number with country code, bank code, and check digits to produce your IBAN.
India does not use IBAN. Instead, use your account number and SWIFT code for international transfers.
Yes, in most IBAN countries, you can log in to online banking or use your bank’s mobile app to find it.
Yes, IBAN is safe for receiving money, but never share passwords or banking login information.
The payment may be rejected or sent to the wrong account. Always double-check the IBAN before confirming a transfer.
No. SWIFT and IBAN serve different purposes—some transfers require both.
No. IBAN is used mainly in Europe, the Middle East, and some other regions. Many countries use other identifiers.
Yes, if you change banks or your bank updates its account numbering system. Always confirm before making transfers.
An IBAN includes your account number plus extra identifiers like country code and check digits for international use.
It can be up to 34 characters, depending on the country.
Some countries, like India, the United States, and Australia, don’t use IBAN numbers. Instead:
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