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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Cyprus IBAN Format (CY) — Structure, Length & Validator
Cypriot IBANs are 28 characters with a 3-digit bank code and 5-digit branch code. Learn the CY IBAN structure with Bank of Cyprus and Hellenic Bank examples.
Read article →Lithuania IBAN Format (LT) — Structure, Length & Validator
Lithuanian IBANs are 20 characters with a 5-digit bank code. Lithuania joined the eurozone in 2015. Learn the LT IBAN structure with SEB, Swedbank, and Luminor Lithuania examples.
Read article →Latvia IBAN Format (LV) — Structure, Length & Validator
Latvian IBANs are 21 characters with a 4-letter bank identifier. Latvia joined the eurozone in 2014. Learn the LV IBAN structure with Swedbank Latvia, SEB banka, and Citadele examples.
Read article →Estonia IBAN Format (EE) — Structure, Length & Validator
Estonian IBANs are 20 characters with a 2-digit bank code and domestic check digit. Estonia was the first Baltic state to adopt the euro (2011). Learn the EE IBAN structure with Swedbank, SEB, and LHV examples.
Read article →Portugal IBAN Format (PT): Structure, NIB, and Validation Examples
Portuguese IBANs are always 25 characters with a 4-digit bank code and dual check digits. Learn the PT IBAN structure — CGD, BPI, Santander Totta, Millennium BCP — and NIB conversion.
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