IBAN country codes and SEPA countries

Every IBAN starts with a two-letter country code, and the SWIFT IBAN registry lists 89 of them, from 15 characters long (Norway) to 33 (Russia). Of those prefixes, 42 belong to SEPA countries or territories, according to the EPC list of 24 December 2025.

Every IBAN country code

The first two letters of an IBAN are the ISO code of the country where the account is held. Pick a prefix to jump to its row; countries with a calculator link to it.

Starts withCountryLengthSEPAExample IBAN
AEUnited Arab Emirates23 charactersNoAE07 0331 2345 6789 0123 456
ALAlbania28 charactersYes, outside the EEAAL47 2121 1009 0000 0002 3569 8741
ATAustria20 charactersYes, EU memberAT61 1904 3002 3457 3201
AZAzerbaijan28 charactersNoAZ21 NABZ 0000 0000 1370 1000 1944
BABosnia and Herzegovina20 charactersNoBA39 1290 0794 0102 8494
BEBelgium16 charactersYes, EU memberBE68 5390 0754 7034
BGBulgaria22 charactersYes, EU memberBG80 BNBG 9661 1020 3456 78
BHBahrain22 charactersNoBH67 BMAG 0000 1299 1234 56
BIBurundi27 charactersNoBI42 1000 0100 0100 0033 2045 181
BRBrazil29 charactersNoBR18 0036 0305 0000 1000 9795 493C 1
BYBelarus28 charactersNoBY13 NBRB 3600 9000 0000 2Z00 AB00
CHSwitzerland21 charactersYes, outside the EEACH93 0076 2011 6238 5295 7
CRCosta Rica22 charactersNoCR05 0152 0200 1026 2840 66
CYCyprus28 charactersYes, EU memberCY17 0020 0128 0000 0012 0052 7600
CZCzech Republic24 charactersYes, EU memberCZ65 0800 0000 1920 0014 5399
DEGermany22 charactersYes, EU memberDE89 3704 0044 0532 0130 00
DJDjibouti27 charactersNoDJ21 0001 0000 0001 5400 0100 186
DKDenmark18 charactersYes, EU memberDK50 0040 0440 1162 43
DODominican Republic28 charactersNoDO28 BAGR 0000 0001 2124 5361 1324
EEEstonia20 charactersYes, EU memberEE38 2200 2210 2014 5685
EGEgypt29 charactersNoEG38 0019 0005 0000 0000 2631 8000 2
ESSpain24 charactersYes, EU memberES91 2100 0418 4502 0005 1332
FIFinland, also used in Åland Islands18 charactersYes, EU memberFI21 1234 5600 0007 85
FKFalkland Islands18 charactersNoFK88 SC12 3456 7890 12
FOFaroe Islands18 charactersNoFO62 6460 0001 6316 34
FRFrance, also used in French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy, Saint Martin and Saint Pierre and Miquelon27 charactersYes, EU memberFR14 2004 1010 0505 0001 3M02 606
GBUnited Kingdom, also used in Guernsey, Jersey and Isle of Man22 charactersYes, outside the EEAGB29 NWBK 6016 1331 9268 19
GEGeorgia22 charactersNoGE29 NB00 0000 0101 9049 17
GIGibraltar23 charactersYesGI75 NWBK 0000 0000 7099 453
GLGreenland18 charactersNoGL89 6471 0001 0002 06
GRGreece27 charactersYes, EU memberGR16 0110 1250 0000 0001 2300 695
GTGuatemala28 charactersNoGT82 TRAJ 0102 0000 0012 1002 9690
HNHonduras28 charactersNoHN88 CABF 0000 0000 0002 5000 5469
HRCroatia21 charactersYes, EU memberHR12 1001 0051 8630 0016 0
HUHungary28 charactersYes, EU memberHU42 1177 3016 1111 1018 0000 0000
IEIreland22 charactersYes, EU memberIE29 AIBK 9311 5212 3456 78
ILIsrael23 charactersNoIL62 0108 0000 0009 9999 999
IQIraq23 charactersNoIQ98 NBIQ 8501 2345 6789 012
ISIceland26 charactersYes, EEA memberIS14 0159 2600 7654 5510 7303 39
ITItaly27 charactersYes, EU memberIT60 X054 2811 1010 0000 0123 456
JOJordan30 charactersNoJO94 CBJO 0010 0000 0000 0131 0003 02
KWKuwait30 charactersNoKW81 CBKU 0000 0000 0000 1234 5601 01
KZKazakhstan20 charactersNoKZ86 125K ZT50 0410 0100
LBLebanon28 charactersNoLB62 0999 0000 0001 0019 0122 9114
LCSaint Lucia32 charactersNoLC55 HEMM 0001 0001 0012 0012 0002 3015
LILiechtenstein21 charactersYes, EEA memberLI21 0881 0000 2324 013A A
LTLithuania20 charactersYes, EU memberLT12 1000 0111 0100 1000
LULuxembourg20 charactersYes, EU memberLU28 0019 4006 4475 0000
LVLatvia21 charactersYes, EU memberLV80 BANK 0000 4351 9500 1
LYLibya25 charactersNoLY83 0020 4800 0020 1001 2036 1
MCMonaco27 charactersYes, outside the EEAMC58 1122 2000 0101 2345 6789 030
MDMoldova24 charactersYes, outside the EEAMD24 AG00 0225 1000 1310 4168
MEMontenegro22 charactersYes, outside the EEAME25 5050 0001 2345 6789 51
MKNorth Macedonia19 charactersYes, outside the EEAMK07 2501 2000 0058 984
MNMongolia20 charactersNoMN12 1234 1234 5678 9123
MRMauritania27 charactersNoMR13 0002 0001 0100 0012 3456 753
MTMalta31 charactersYes, EU memberMT84 MALT 0110 0001 2345 MTLC AST0 01S
MUMauritius30 charactersNoMU17 BOMM 0101 1010 3030 0200 000M UR
NINicaragua28 charactersNoNI45 BAPR 0000 0013 0000 0355 8124
NLNetherlands18 charactersYes, EU memberNL91 ABNA 0417 1643 00
NONorway15 charactersYes, EEA memberNO93 8601 1117 947
OMOman23 charactersNoOM81 0180 0000 0129 9123 456
PKPakistan24 charactersNoPK36 SCBL 0000 0011 2345 6702
PLPoland28 charactersYes, EU memberPL61 1090 1014 0000 0712 1981 2874
PSPalestine29 charactersNoPS92 PALS 0000 0000 0400 1234 5670 2
PTPortugal25 charactersYes, EU memberPT50 0002 0123 1234 5678 9015 4
QAQatar29 charactersNoQA58 DOHB 0000 1234 5678 90AB CDEF G
RORomania24 charactersYes, EU memberRO49 AAAA 1B31 0075 9384 0000
RSSerbia22 charactersYes, outside the EEARS35 2600 0560 1001 6113 79
RURussia33 charactersNoRU03 0445 2522 5408 1781 0538 0913 1041 9
SASaudi Arabia24 charactersNoSA03 8000 0000 6080 1016 7519
SCSeychelles31 charactersNoSC18 SSCB 1101 0000 0000 0000 1497 USD
SDSudan18 charactersNoSD21 2901 0501 2340 01
SESweden24 charactersYes, EU memberSE45 5000 0000 0583 9825 7466
SISlovenia19 charactersYes, EU memberSI56 2633 0001 2039 086
SKSlovakia24 charactersYes, EU memberSK31 1200 0000 1987 4263 7541
SMSan Marino27 charactersYes, outside the EEASM86 U032 2509 8000 0000 0270 100
SOSomalia23 charactersNoSO21 1000 0010 0100 0100 141
STSão Tomé and Príncipe25 charactersNoST32 0002 0001 0192 1942 1011 2
SVEl Salvador28 charactersNoSV62 CENR 0000 0000 0000 0070 0025
TLTimor-Leste23 charactersNoTL38 0080 0123 4567 8910 157
TNTunisia24 charactersNoTN59 1000 6035 1835 9847 8831
TRTürkiye26 charactersNoTR33 0006 1005 1978 6457 8413 26
UAUkraine29 charactersNoUA21 3223 1300 0002 6007 2335 6600 1
VAVatican City22 charactersYes, outside the EEAVA59 0011 2300 0012 3456 78
VGBritish Virgin Islands24 charactersNoVG96 VPVG 0000 0123 4567 8901
XKKosovo20 charactersNoXK05 1212 0123 4567 8906
YEYemen30 charactersNoYE15 CBYE 0001 0188 6123 4567 8912 34

Lengths, formats and examples from the SWIFT IBAN Registry, Release 103, September 2026. SEPA status from the EPC list of countries in the SEPA schemes’ geographical scope, EPC409-09 version 8.0, 24 December 2025.

SEPA countries in 2026

SEPA covers 41 countries: the 27 EU member states, 3 more in the European Economic Area and 11 outside it, plus some territories. SEPA payments are always in euros, including to the countries outside the euro.

GroupCountries and territories
EU member states (27)Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden
EEA, outside the EU (3)Iceland, Liechtenstein and Norway
Outside the EEA (11)Albania, Andorra, Moldova, Monaco, Montenegro, North Macedonia, San Marino, Serbia, Switzerland, United Kingdom and Vatican City
TerritoriesÅland Islands (FI IBANs); Azores and Madeira (PT); Canary Islands (ES); French Guiana, Guadeloupe, Martinique, Mayotte, Réunion, Saint Barthélemy, Saint Martin and Saint Pierre and Miquelon (FR); Gibraltar (GI); Guernsey, Jersey and the Isle of Man (GB)
Joined most recentlyAlbania and Montenegro (admitted 21 November 2024), North Macedonia and Moldova (6 March 2025), Serbia (22 May 2025)

From the EPC list of countries in the SEPA schemes’ geographical scope, EPC409-09 version 8.0, 24 December 2025.

Frequently asked questions

  • Lithuania. The first two letters of an IBAN are the ISO code of the country where the account is held: LT is Lithuania, IE Ireland, MT Malta and GB the United Kingdom. The table above lists all 89 prefixes in the SWIFT IBAN registry.

  • Yes. The United Kingdom stayed in SEPA’s geographical scope after Brexit, from 1 February 2020, and Guernsey, Jersey and the Isle of Man, which use GB IBANs, are in it too. SEPA payments are in euros, so they reach a UK account only when its bank takes part in the schemes.

  • Yes. Switzerland is in SEPA’s geographical scope although it is in neither the EU nor the EEA, as are Monaco, San Marino, Andorra and Vatican City. Payments in Swiss francs are not SEPA payments; only euro transfers are.

  • Albania and Montenegro, admitted by the EPC on 21 November 2024; North Macedonia and Moldova, on 6 March 2025; and Serbia, on 22 May 2025. The first four had an earliest operational date of 5 October 2025 and Serbia one of May 2026, and SEPA payments reach only the banks there that have joined the schemes.

  • No. 89 countries use IBANs, but SEPA covers 41 countries and a few territories. Saudi Arabia, the United Arab Emirates, Türkiye and Ukraine, for example, use IBANs without being in SEPA, so payments to them go as international transfers.

Paying an IBAN from stablecoins? Holyheld Business converts USDC to EUR and pays it out by SEPA. See pricing or the guide to off-ramping USDC to an IBAN.

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