Finland IBAN calculator and checker

A Finnish IBAN has 18 characters: FI, two check digits, then the bank code, account number and check digit. Enter the local details to build one, or paste an IBAN to check it, all in your browser.

Calculate or check a Finnish IBAN

Enter the bank code, account number and check digit. 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.

FI IBAN format

A Finnish IBAN is 18 characters: FI, two check digits, then the bank code, account number and check digit.

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
18 characters
Check digits
2 digits after FI
Bank code
3 digits
Account number
10 digits
Check digit
1 digit
National check digit
Last digit, Luhn (modulus 10)
SEPA
Yes, EU member
Printed format
FIkk bbbc cccc cccc cx
Example IBAN
FI21 1234 5600 0007 85

Frequently asked questions

  • 18 characters: FI, two check digits, then the bank code, account number and check digit. Printed in groups of four, it looks like FI21 1234 5600 0007 85.

  • It is a Luhn (modulus 10) check digit over the 13 digits before it, the same check the Finnish account number carries. Leave the check digit empty and the calculator works it out; the checker tests it. Åland Islands accounts use Finnish IBANs too.

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

  • With the ISO 7064 mod 97-10 algorithm. The bank code, account number and check digit and the country code FI 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 FI 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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