IBAN Calculator: Find Your IBAN Code
Our IBAN calculator is used to find an IBAN using other bank details. It's useful when you need to make a payment (business or personal) or initiate a money transfer.
This guide covers step-by-step instructions. It also covers the benefits of our IBAN calculator and its use cases.
Calculate an IBAN
Validate IBAN
Table of contents
Author: April Summers
Editor: Artiom Pucinskij
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Table of contents
What is an IBAN calculator?
Unlike an IBAN checker, which checks if an IBAN is correct by confirming information such as the BIC/SWIFT code, bank name, address, and country, a calculator is used to calculate exact bank account information for those who need to find an IBAN.
Banks arrange national or local account details into a string of alphanumeric characters and so IBAN calculators are used to convert this information into the International Bank Account Number needed when transferring funds to an international account.
How to use our IBAN calculator?
The process is simple, here's a quick step-by-step breakdown:
Find your country
Using the form above, find your country from the dropdown list.
Enter your details
Fill in the details and click the "Calculate IBAN" button.
For the details:
Bank Code: This is a 4-digit number you can find in your account statement or by contacting your bank.
Account details: Is a combination of your sort-code and account number
"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."
Please share your experience with Wise
Would you recommend Wise?
Russell Pinkes
I can’t send money to Belize
Katsiaryna
Once trying to open sire, was automatically blocked for no reason
Alan
Unable to transfer money from Philippines to any other country. Philippines Wise does not work
Anonymous
Retiro de dinero en transferencia
Uwe
great rates and service - unfortunately for some countries not yet available
Martin Premprakash Anantharaman
On the first transfer to a hospital in NY they were already screaming that this was a sure scam and the same on my next transfer to a fried in Nigeria. They then summarily closed my account TERMINATING THE RUNNING TRANSFER TO NIGERIA, claiming that, hold on, I was being scammed🤦♂️ Sure, I could have appealed but immediately found that I would have had to provide so much intrusive detail that I desisted.
Martin Premprakash Anantharaman
Setting up is a bit unwieldy if you want to make a one-off transfer, as you have to create an account with complete identification - but it works and the process as well as charges are great.
Anonymous
My brother wants to send me money from India to Nigeria but he's finding it difficult how can he do it
Mohammed
WARNING : Wise was Great until main office decided to ruin WISE By letting the TW India office control handling Random verifications and do what ever they want by insane replies and no replies etc. If you want to waste your time and enjoy a journey into Black Hole of Insane then go ahead and try WISE !
Anonymous
Can't receive money from php to idr so far
sudheir
They don't allow transfer to Brokerage firms from India
Anonymous
Good app to transfer money
Anonymous
I didn't find Cuba on your list.
Anonymous
cuba not work
Nina
I made a transfer to a Canadian company 1.5 months ago, and the funds have not yet been received. After multiple emails, Wise insists that the money was paid out. However, I have received an official statement from the recipient’s bank confirming that the money has not been received. Wise's complaints department sent me a final letter stating that, according to their records, the funds were paid out. Additionally, Wise states the following in their Customer Agreement regarding their responsibility for losses: Quote from Wise's Terms: "Our Customer Agreement also explains our responsibility for losses in Section 29: 29.1 Unforeseeable loss or damage. We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during your sign-up process. 29.9 We are not liable for things which are outside of our control. We (and our affiliates) cannot be liable for our inability to deliver or delay because of things which are outside our control." Despite these terms, Wise has not been able to resolve this issue, and the money has still not been delivered as promised. I find it irresponsible that Wise does not conduct any investigations into the matter. The Canadian bank associated with Wise is unable to provide any information, as everything goes through Wise. Wise must be capable of tracking the funds and providing precise details about where exactly the money is, who received it, and to which bank account it was deposited. I would advise everyone to be cautious when transferring large sums of money with Wise. They are not capable of executing a secure money transfer!
Shengjie Yin
good and perfect
Tristan
Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business I am sharing my experience with Wise to warn fellow business owners about the serious risks and unacceptable practices you may encounter if you choose to use their services. My business, is a legally registered travel agency in the UK, and I relied on Wise to manage payments for my photography and cultural tours, primarily in South America. Things took a turn for the worse when Wise froze my account and accused my business of violating their Acceptable Use Policy, citing my once-a-year humanitarian trip to Cuba. Despite explaining multiple times that: No Cuba-related transactions were ever processed through Wise (I use a separate European bank for this purpose), My tours comply with the “Support for Cuban People” category authorized by OFAC, designed to help Cuban citizens outside state control, Wise completely ignored the facts. Their customer support team responded with automated messages, refused to engage in any meaningful dialogue, and even lied, claiming they didn't monitor my emails—despite clear evidence to the contrary. After days of chasing them and providing thorough documentation, they chose to close my account without justification. The Consequences: Wise left my business in chaos, disrupting essential transactions and client arrangements. Their rigid policies align with sanctions widely condemned by the global community, and in doing so, they indirectly support humanitarian suffering. The Bottom Line: Wise is unreliable, unresponsive, and unethical. If your business has any complexity or humanitarian focus, beware: Wise will shut you down without notice or explanation, and customer support will abandon you. Their actions have serious real-world consequences. Avoid Wise if you value your business stability or require ethical and accountable financial services. There are far better alternatives out there that won’t put your livelihood at risk Beware: Wise's Unethical Policies and Unresponsive Support Cost My Business
Anonymous
I have been a customer for a few years. Yes I love the instant deposits as I make around $1K. However as many non US entities Wise uses a bank out of New York. Therefore the TRANSFER and DEPOSIT from an account transfer can take 4 to 6 days. What this means is that you will not able to make another ACH transfer during this time. This is frustrating if you have to make a follow up transfer in a few days. All in all don't plan to make more than 4 transfer in a month because it may not fo through, Not sure if other transfer companies operate the same way but I am about to find out as I will try Revolute. Bottom linw will require you to use ANOTHER payment method like credit card or some other method. Understand this: YOU MAY HAVE THE MONEY IN YOUR ACCOUNT but they WILL NOT TRY TO VERIFY IT WITHIN THE THE PERIOD IT WILL TAKE THEM TO DEPOSIT IT IN YOUR ACCOUNT. To add insult to injury I called in and the agent siad that they can see that they got paid but the computer takes time to update/reconcille I guess! It is a slow system!
Anonymous
There is a lot of advice on RECEIVING INHERITANCE in the UK from overseas but nothing on the rules for SENDING money gifts to grandchildren living OVERSEAS and the rules on Inheritance Tax in that case.
Anonymous
The service is decent, nothing more. I have had security issues that are not quickly resolved. Call center personnel are average. The app is not, in general, user friendly. You should definitely do research on a variety of service providers before making a choice. Do not take the reviews at face value. I chose Wise based on positive reviews but now regret not doing more research on other companies.
Anonymous
So far so good
Daniel
I checked to see if Wise even sends money to Colombia. Colombia is not even in their list of countries. Why is it even advertising for Colombia?
Bill Sanders
I have used Wise for several years. They once rejected a large transfer because it was to a coal company. Apparently, they are a woke company! But they refused to tell me why. More recently, they required verification of my identity using a smart phone. I am 69 and never owned a cell phone because I don't need one. But they forced me to buy one, which I did last week. Getting the phone updates ate up all my data, so i got 1 GB more. I took 12 different pics of my passport and another 12 of my face for them. They rejected them - and are holding up my transfer. Now my phone ate up that gig of data and I must buy another gig (thru Tracfone) just to use the phone. What a hassle. This is not a photo studio! They know who i am already. Note: This comment has been edited by the MoneyTransfers.com team to align with our content guidelines.
Ziggy Meilus
It used to be always instant, now it may come right away or it can take 5 even 7 days to get the money.
Anonymous
i've heard of people having issues with accounts being locked/restricted, but i think that was mostly for business accounts, maybe they were locked for good reason. for me, i've had no issue with my account though i've only used it for small transfers and not very often, over the past 5+ years
Reasons to use the IBAN calculator
There are several reasons to use the IBAN calculator, here are a few:
Converting national account numbers to IBANs
When you have a domestic bank account number and need to convert it into an IBAN for making or receiving international payments.
Facilitating cross-border payments
Businesses dealing with international clients or suppliers need to provide or obtain IBANs for smooth cross-border payments. Using the IBAN calculator will simplify the process.
Streamlining payroll processes
Companies with employees in different countries use IBAN calculators to convert local account numbers to IBANs for international salary transfers.
Supporting SEPA transfers
Within the SEPA zone, IBANs are mandatory for euro-denominated transfers. An IBAN calculator helps convert local account details to IBANs required for these transactions.
IBAN explained
IBAN stands for International Banking Account Number and it is used to identify bank account details of a recipient. The format of an IBAN consists of a two-digit country code, two check numbers, a four-digit bank code, a six-digit bank branch code, and an eight-digit bank account number, like so:
- Country Code:
- GB
- Check Number:
- 33
- Bank Identifier:
- BUKB
- Sort Code:
- 202015
- Account Number:
- 55555555
Format of an IBAN
As per the example, each part of an IBAN should follow this format.
Country
A-ZThe country that the bank account is held in - this is generally the universal country code.
Check Digits
0-9This enables the sending bank to perform a security check of the routing destination.
Bank Identifier
A-Z 0-9This code identifies the recipient account holder’s bank.
Sort/Bank Code
0-9The sort/bank code for the bank transfer.
Account Number
0-9The account number for the bank transfer.
A virtual IBAN lets you make and receive international payments as a local. Virtual IBANs are like "add-ons" to your main account, but for a specific location.
We recommend using Wise Business if you need a virtual IBAN. It offers:
10 Local accounts
Low transfer fees (sending fees from 0.33%)
Very simple & intuitive app
Wise Business has a one-time setup fee, which is cheaper than many other alternatives.
How an IBAN works
Used when transferring money overseas to a foreign country, IBANs are formatted in the following order, containing the following information:
Country code – A code that is specific to a certain country
Check number – A two-digit code used as a redundancy check to detect errors in identification numbers
Bank identifier – The unique identifier for the domestic bank
Account number – The bank account identifier
Who uses IBANs?
The system was originally developed by the European Committee of Banking Standards (ECBS) in 1997, as a way of creating a standardized method of identifying international bank accounts. The system has since been adopted by banks and financial institutions in countries all over the world, with 80 regions now using IBANs.
A bit more about IBAN calculators
Are there any other ways to find IBAN?
Yes, your IBAN will be printed on the bank correspondence, your bank statements, in the online banking account, in the mobile banking app, and sometimes in the checkbook.
Can I generate IBAN for any bank using this calculator?
Yes! As long as you have the required details you will be able to generate the IBAN.
What details do you need to use this IBAN calculator?
To generate your IBAN, you will need the following:
Bank Code: This is a 4-digit number you can find in your account statement or by contacting your bank. For example, Monzo will be MONZ and Revolut will be REVO.
Account details: This is a combination of your sort code and account number. For example, if your sort code is 12-34-56 and your account number is 12345678, the account details will be 12345612345678.
Help & FAQ
Get answers to the most common questions asked when sending money abroad. Covers costs, fees and the best way to compare.
To recap: There are many ways to calculate IBAN
There are several ways to calculate an International Bank Account Number, whether it be for yourself or the recipient in a foreign country.
We hope this guide has provided enough information to equip our readers with the advice they need to efficiently source the details needed to successfully transfer funds from an account in one country to another account in a different country.
Since you are trying to calculate IBAN, we suspect you want to transfer money abroad. If you're still using your bank, you might be overpaying.
We suggest you give money transfer providers a try, as they offer similar if not better service, are much cheaper, and are just as easy to use.
Use our form below to find the best alternative to traditional banks.
Find a better alternative to bank transfers
Sources and further reading
How to Find Your IBAN Through Your Account Number
If you know your IBAN, finding your account number will be very straightforward. The account number is the last 8-digits of your IBAN, and will be the same as the account number associated with whatever account is receiving funds, like so:
IBAN vs Routing number
Here's a quick summary of the main differences between IBAN and the routing number:
IBAN vs Account Number
Made up of alphanumeric characters, an IBAN can be no more than 34 characters long. Here's how it looks:
SWIFT vs IBAN: What's The Difference?
Here's a list of places where you can find:
How to find sort code from IBAN
A sort code is made up of six digits, split into three, often hyphenated pairs. The first pair is typically used to identify banks, and the remaining four digits identify which branch of the bank it is. A sort code may appear in the following formats: 202015 or 20-20-15. You can find sort code from IBAN by looking at the 9th to 14th digit of the code.
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April Summers
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