Estonia IBAN calculator and checker

An Estonian IBAN has 20 characters: EE, two check digits, then the bank code and account number (kontonumber). Enter the local details to build one, or paste an IBAN to check it, all in your browser.

Calculate or check an Estonian IBAN

Enter the bank code and account number (kontonumber). The calculator pads short numbers with zeros, works out any national check digits you leave empty and adds the two IBAN check digits.

Switch to Check to paste an IBAN instead: it tests the length, characters, check digits and national check, and shows the bank, branch and account parts. Nothing you type leaves the page.

EE IBAN format

An Estonian IBAN is 20 characters: EE, two check digits, then the bank code and account number (kontonumber).

In the printed format, k marks the check digits, a and b the bank, s the branch, sort code or prefix, c the account number and x a national check character.

IBAN length
20 characters
Check digits
2 digits after EE
Bank code
2 digits
Account number (kontonumber)
14 digits
National check digit
Last digit of the account number, weights 7-3-1
SEPA
Yes, EU member
Printed format
EEkk bbcc cccc cccc cccc
Example IBAN
EE38 2200 2210 2014 5685

Frequently asked questions

  • 20 characters: EE, two check digits, then the bank code and account number (kontonumber). Printed in groups of four, it looks like EE38 2200 2210 2014 5685.

  • Estonian account numbers usually begin with the bank’s two-digit code, and the IBAN repeats that code in front of the account number. Account 221020145685 at bank 22 becomes EE38 2200 2210 2014 5685, with the account padded to 14 digits.

  • Yes. Estonia is an EU member state, so it is in SEPA: euro payments to an Estonian IBAN can go by SEPA credit transfer.

  • With the ISO 7064 mod 97-10 algorithm. The bank code and account number (kontonumber) and the country code EE are turned into digits, and the two check digits are chosen so the whole number leaves a remainder of 1 when divided by 97. The calculator does this for you and rejects any input that cannot make a valid EE IBAN.

  • Yes. The calculator and the checker run entirely in your browser: the details you enter are never sent to a server, stored or shared. There is no sign-up and no fee.

  • Yes. The calculator covers 41 countries and the checker all 89 in the SWIFT IBAN registry. Pick a different country in the form above, or open its page from the list below.

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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