IBAN Formats by Country — Complete Reference

**By Dev Tools Weekly** | randomiban.co
Every IBAN structure, length, and validation rule in one place.

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IBAN Structure

┌──┬──┬─────────────────────────────┐
│CC│CK│     BBAN (bank-specific)    │
│2 │2 │   up to 30 characters       │
└──┴──┴─────────────────────────────┘

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IBAN by Country (Europe)

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IBAN by Country (Non-Europe)

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IBAN Validation (Mod 97 Algorithm)

1. Move the first 4 characters (country + check) to the end
2. Replace letters with numbers: A=10, B=11, ... Z=35
3. Compute the remainder: number mod 97
4. Valid if remainder = **1**

Example: GB29NWBK60161331926819

1. Rearrange: NWBK60161331926819GB29
2. Convert letters: 232016106016133192681916112 9
3. 2320161060161331926819161129 mod 97 = 1 ✅

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SEPA Countries

All EU/EEA countries + Switzerland, Monaco, San Marino, Andorra, Vatican City, UK (limited).

SEPA Credit Transfer: Max €999,999,999.99 per transaction.

SEPA Instant: Max €100,000. Settled in <10 seconds.

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BIC/SWIFT Code Format

┌────┬──┬──┬───┐
│Bank│CC│LL│Bbb│
│ 4  │2 │2 │3  │
└────┴──┴──┴───┘

Example: NWBKGB2L = NatWest, United Kingdom, London

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