SWIFT and IBAN Guide

This guide will explain the SWIFT and IBAN routing numbers required for international payments.

What is a SWIFT code?

A SWIFT code is an international bank code that identifies particular banks worldwide. It consists of 8-11 characters used to identify a specific bank in an international transaction.

It is formed by bank code (four characters), country code (two characters), location code (two numbers or characters) and branch code (three numbers or characters). 

You can find the SWIFT codes of different banks here, but we always recommend confirming with the recipient before sending your transfer. 

What is an IBAN?

The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions. They consist of a country code, bank code, and account number.

Most accounts in Europe have an IBAN, and we issue IBANs with our EUR Global Accounts.

See the appendix below for a list of IBAN countries

 

Please note, each local payment method also has a different type of routing number, see our Local Routing Number Guide for more details.

 

IBAN Countries

Countries

IBAN Beginning (country code)

Length

Austria

AT

20

Belgium

BE

16

Bulgaria

BG

22

Croatia

HR

21

Cyprus

CY

28

Czech Republic

CZ

24

Denmark

DK

18

Estonia

EE

20

Finland

FI

18

France

FR

27

Germany

DE

22

Gibraltar

GI

23

Greece*

GR

27

Hungary

HU

28

Iceland

IS

26

Ireland

IE

22

Italy

IT

27

Latvia

LV

21

Liechtenstein

LI

21

Lithuania

LT

20

Luxembourg

LU

20

Malta

MT

31

Monaco

MC

27

Netherlands

NL

18

Norway

NO

15

Poland

PL

28

Portugal

PT

25

Romania

RO

24

San Marino

SM

27

Slovakia

SK

24

Slovenia

SI

19

Spain

ES

24

Sweden

SE

24

Switzerland

CH

21

UK

GB

22