IBAN vs BIC/SWIFT Code: What's the Difference and When Do You Need Each?
IBANs identify bank accounts; BIC/SWIFT codes identify banks. Learn the difference, when you need both, and when one is enough.
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Payments, IBANs & Banking
Practical guides for finance professionals, developers, and anyone who needs to understand how international payments actually work.
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Danish IBAN Format (DK): Structure, Registration Number, and Validation Examples
Danish IBANs are 18 characters with a 4-digit registration number and 10-digit account. Denmark uses DKK, not euros — learn the DK IBAN format with Danske Bank and Jyske Bank examples.
Read article →Finnish IBAN Format (FI): Structure, Bank Codes, and Validation Examples
Finnish IBANs are 18 characters with a 3-digit bank code and domestic check digit. Finland uses the euro — learn the FI IBAN format with Nordea and OP Financial Group examples.
Read article →Greek IBAN Format (GR): Structure, Bank Codes, and Validation Examples
Greek IBANs are 27 characters with a 3-digit bank code, 4-digit branch code, and 16-digit account number. Learn the GR IBAN format with National Bank, Alpha Bank, and Piraeus examples.
Read article →Saudi Arabian IBAN Format (SA): Structure, SAMA Rules, and SWIFT Requirements
Saudi IBANs are 24 characters with a 2-digit bank code mandatory since 2009. Saudi Arabia is NOT a SEPA country — learn the SA IBAN structure with Al Rajhi and SABB examples.
Read article →Turkish IBAN Format (TR): Structure, BDDK Bank Code, and SWIFT Requirements
Turkish IBANs are 26 characters with a 5-digit BDDK code and a reserved zero digit. Turkey is NOT a SEPA country — learn the TR IBAN format with Garanti BBVA and İşbank examples.
Read article →Ireland IBAN Format (IE) — Structure, Length & Validator
Irish IBANs are 22 characters with a 4-letter bank identifier and 6-digit sort code. Learn the IE IBAN structure with AIB, Bank of Ireland, and Permanent TSB examples.
Read article →Czech Republic IBAN Format (CZ) — Structure, Length & Validator
Czech IBANs are 24 characters with a 4-digit bank code and a 6-digit account prefix. Learn the CZ IBAN structure with Česká spořitelna, ČSOB, and Komerční banka examples.
Read article →Hungary IBAN Format (HU) — Structure, Length & Validator
Hungarian IBANs are 28 characters — the longest in Central Europe — with dual domestic check digits. Learn the HU IBAN structure with OTP Bank, K&H, and UniCredit Hungary examples.
Read article →Croatia IBAN Format (HR) — Structure, Length & Validator
Croatian IBANs are 21 characters with a 7-digit bank code. Croatia joined the eurozone in 2023. Learn the HR IBAN structure with Zagrebačka banka, PBZ, and Erste Bank Croatia examples.
Read article →Bulgaria IBAN Format (BG) — Structure, Length & Validator
Bulgarian IBANs are 22 characters with a 4-letter bank code. Bulgaria adopted the euro in 2025. Learn the BG IBAN structure with UniCredit Bulbank, UBB, and Raiffeisenbank Bulgaria examples.
Read article →Luxembourg IBAN Format (LU) — Structure, Length & Validator
Luxembourg IBANs are 20 characters with a 3-digit bank code. Learn the LU IBAN structure with BCEE, BIL, and ING Luxembourg examples — plus why Luxembourg processes so many cross-border IBANs.
Read article →Malta IBAN Format (MT) — Structure, Length & Validator
Maltese IBANs are 31 characters — the longest in the eurozone — with an 18-character alphanumeric account field. Learn the MT IBAN structure with Bank of Valletta and HSBC Malta examples.
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