An internationally agreed system for facilitating transactions between banks

What is an IBAN?

The IBAN identifies the country, financial institution and the individual bank account.

Using an IBAN reduces errors and delays in making international payments. An IBAN is always used in conjunction with a BIC (Bank Identifier Code), and is not a new bank account number: it uses existing sort codes and account numbers – but with extra information. Please note that for SEPA payments, only the IBAN is required rather than BIC and IBAN.

However, you should never try to create or guess an IBAN. Simply contact the business (or person) you're paying and request their IBAN.

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Your guide to IBANs

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