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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Libya IBAN Format (LY) — Structure, Length & Example
Libyan IBANs are 25 characters with a 3-digit bank code, 3-digit branch, and 15-digit account number. Libya is not a SEPA country. Learn the LY IBAN structure with Sahara Bank, Wahda Bank, and compliance considerations.
Read article →Mauritania IBAN Format (MR) — Structure, Length & Example
Mauritanian IBANs are 27 characters with a 5-digit bank code, 5-digit branch, 11-digit account, and 2-digit national check key. Mauritania is not a SEPA country. Learn the MR IBAN structure with BNM and Attijari examples.
Read article →Albania IBAN Format (AL) — Structure, Length & Example
Complete guide to the Albanian IBAN format: 28-character structure, BBAN breakdown (bank code, branch, national check digit, account), example, and banking context.
Read article →Bosnia and Herzegovina IBAN Format (BA) — Structure, Length & Example
Complete guide to the Bosnian IBAN format: 20-character structure, BBAN breakdown, why check digits are always 39, example, and banking context.
Read article →Azerbaijan IBAN Format (AZ) — Structure, Length & Example
Complete guide to the Azerbaijani IBAN format: 28-character structure, 4-letter alphabetic bank code, BBAN breakdown, example, and banking context.
Read article →Georgia IBAN Format (GE) — Structure, Length & Example
Complete guide to the Georgian IBAN format: 22-character structure, 2-letter bank code, BBAN breakdown, example, and banking context including TBC Bank and Bank of Georgia.
Read article →Moldova IBAN Format (MD) — Structure, Length & Example
Complete guide to the Moldovan IBAN format: 24-character structure, 2-letter bank code, 18-character account number, example, and banking context.
Read article →Ukraine IBAN Format (UA) — Structure, Length & Example
Complete guide to the Ukrainian IBAN format: 29-character structure, 6-digit MFO bank code, 19-digit account number, 2019 IBAN transition, and banking context.
Read article →Andorra IBAN Format (AD) — Structure, Length & Example
Andorran IBANs are 24 characters with a 4-digit bank code and 4-digit branch code. Andorra is a SEPA member since 2019. Learn the AD IBAN structure with Crèdit Andorrà and MoraBanc examples.
Read article →Liechtenstein IBAN Format (LI) — Structure, Length & Example
Liechtenstein IBANs are 21 characters with a 5-digit bank code and 12-digit account number. Liechtenstein is a SEPA member and EEA country. Learn the LI IBAN format with LGT Bank, VP Bank, and LLB examples.
Read article →Monaco IBAN Format (MC) — Structure, Length & Example
Monaco IBANs are 27 characters and share the French RIB structure. Monaco is a SEPA country. Learn the MC IBAN format with bank code, branch code, and RIB key breakdown.
Read article →San Marino IBAN Format (SM) — Structure, Length & Example
San Marino IBANs are 27 characters with an Italian-style ABI/CAB structure and a CIN check character. San Marino is a SEPA member. Learn the SM IBAN format with Carisp and Banca di San Marino examples.
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