Dutch Bank Account to IBAN Converter

Enter your Dutch bank account number and bank to generate a valid NL IBAN instantly. Free, no registration required.

Shorter account numbers are automatically zero-padded to 10 digits.

What Is a Dutch Bank Account Number?

Dutch bank account numbers (rekeningnummers) are up to 10 digits long. Before the SEPA migration in 2014, Dutch domestic payments used the account number alone together with a 4-letter bank code. Today, all Dutch payments — domestic and international — require an IBAN.

If your account number has fewer than 10 digits, it is automatically zero-padded from the left when constructing the IBAN. For example, account 417164300 (9 digits) becomes 0417164300 in the IBAN.

Netherlands IBAN Format

A Dutch IBAN is always 18 characters long:

NL kk BBBB AAAAAAAAAA

NL         — country code (Netherlands)
kk         — 2 check digits (MOD-97 algorithm)
BBBB       — 4-letter bank code (e.g. ABNA, INGB, RABO)
AAAAAAAAAA — 10-digit account number (zero-padded)

Example: NL91 ABNA 0417 1643 00

• NL — Netherlands
• 91 — check digits
• ABNA — ABN AMRO bank code
• 0417164300 — 10-digit account number

Why Does the Bank Code Matter?

Unlike Germany (where the BLZ identifies the branch) or the UK (where the sort code maps to a bank code), Dutch IBANs embed a 4-letter bank identifier directly. ABNA identifies ABN AMRO, INGB identifies ING, and RABO identifies Rabobank. The same account number at a different bank produces a completely different IBAN.

If your bank is not in the dropdown, check your bank statement or online banking for the 4-letter bank code (it always appears at positions 5–8 of your IBAN). Once you have generated your NL IBAN, verify it with the ibanchecker.cash IBAN checker.

Last updated: June 2026