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International Bank Account Number

IBAN Calculator Validate an IBAN

Find the IBAN and SWIFT/BIC information you need for secure and efficient international payments. Use our IBAN tools to calculate and validate account numbers, reduce the risk of payment delays and ensure your payment instructions are correct.

Since the market adoption of International Bank Account Number (IBAN) in Europe and other regions, it has become a community standard when stating beneficiary account in payments. In order to reduce the risk of delayed payments or additional fees to a minimum, the sender has to indicate the SWIFT/BIC address of the receiver's bank, as well as the IBAN number.

What is an IBAN?

The IBAN consists of a country code, a check digit, and a bank code followed by the existing account number. The combination of these elements in the IBAN enables the payers to have additional logical check that can help to avoid manual errors when entering account in the payment order. Such avoidable manual mistakes almost always lead to payment delays for the ultimate beneficiary of the payment, increased fees or rejection of the payment order.

Example of what an IBAN-based account number looks like

Account number: 5249 10 xxx xx

IBAN for non-electronic transfers: SE35 5000 0000 0524 910x xxxx

IBAN for electronic transfers: SE35500000000524910xxxxx

SWIFT address: ESSESESS

In the example the country code is SE (Sweden) followed by two check digits. 

The length of the IBAN may vary between countries, as you can see in the IBAN Calculation tool.

Please make sure you indicate the IBAN and SWIFT address on your payment instructions and invoices.

Frequently asked questions about IBAN

An IBAN (International Bank Account Number) is a standardized format used to identify bank accounts across borders. It starts with a two-letter country code, followed by two check digits, and then the domestic account number. The length and structure of an IBAN vary depending on the country.

You can find your IBAN by logging in to your account with Skandinaviska Enskilda Banken, where it is displayed in your account details. You can also use SEB’s IBAN calculation tool to generate it based on your account number.

SEB’s SWIFT/BIC code is ESSESESS. This code is used to identify Skandinaviska Enskilda Banken in international money transfers.

You can validate an IBAN by using an IBAN validation tool or by checking that the format matches the correct structure for the country. This includes verifying the country code, check digits, and account number length.

IBAN is used in most European countries and many other countries worldwide, including the UK, Norway, Switzerland, and several countries in the Middle East and the Caribbean. The format and length differ from country to country.

Rates and IBAN

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