How do I get an IBAN number to send money from India?

You do not obtain an IBAN in India. The recipient or their bank in the destination country must provide their IBAN. Always copy it directly from their banking platform or statement.

What information do I need in addition to IBAN to send money abroad from India?

You typically need: • Recipient’s IBAN • Bank SWIFT/BIC code • Beneficiary name exactly as per bank records • Bank name and country A licensed remittance provider will guide you through KYC and compliance.

What happens if I enter the wrong IBAN when sending money abroad?

The transfer may fail, get delayed, or be returned with bank charges. Always verify IBAN format and recipient details before authorising a payment.

Can I send money to Europe or the UK without an IBAN?

No. IBAN is mandatory for international transfers to these regions. The payment will not be processed without it.

Is IBAN the same as SWIFT or IFSC?

No. IBAN identifies a specific bank account in IBAN regions. SWIFT identifies the bank internationally. IFSC is used only for banking within India and incoming transfers to Indian accounts.

How long does an international transfer take using IBAN from India?

Processing can take minutes to three business days depending on the remittance partner, compliance checks, and receiving bank. Digital platforms like HOP Remit accelerate settlement.

Which countries require IBAN for international money transfers?

European Union countries, the United Kingdom, UAE, Saudi Arabia, and many other banking jurisdictions. The United States, India, Canada, and Australia do not use IBAN.

Is it safe to share IBAN?

Yes. IBAN only identifies a bank account. It does not provide access. However, always use regulated platforms for transfers and never share personal banking passwords or PINs.

What is the most cost-effective way to send money abroad from India using an IBAN?

Using regulated fintech remittance platforms like HOP Remit often provides faster processing, transparent fees, and competitive exchange rates compared to traditional banks.

Category – Education

IBAN number for international money transfer from India (2025) – Meaning, Examples and Complete Guidance

Q: Do I need an IBAN number for international money transfer from India?

Yes, if you are sending money to countries that use the IBAN system, such as Europe, the United Kingdom, the UAE, and Saudi Arabia. India does not issue IBAN, but Indian senders must collect the recipient's IBAN when transferring to those regions.

Updated On:

Mar 23, 2025

Karthik

Precision drives cross-border payments. If you are sending money to Europe the United Kingdom or the Middle East, you will often be asked for an IBAN. This guide explains the concept and shows exactly how Indian users should use it. Throughout this article we will answer practical questions that directly support the IBAN number for international money transfer from India so you can move funds confidently and avoid avoidable fees.

IBAN Number for International Money Transfer from India: Key Checklist

What is an IBAN

IBAN stands for International Bank Account Number. It is a standardized account identifier used by banks in many countries to verify account details before a payment is sent. IBAN reduces errors and rejections and accelerates settlement. It does not replace a domestic account number. It acts as an additional validation layer that helps global banks route funds correctly and securely.

Know more: Swift Code

Who uses IBAN

IBAN is mandatory across most of Europe and is widely used in the United Kingdom, the United Arab Emirates Saudi Arabia and several other regions. India the United States Canada and Australia do not issue IBAN for domestic accounts. When you send money from India to an IBAN country, you must enter the recipient IBAN along with other beneficiary details. This is the core context behind the IBAN number for international money transfer from India.

IBAN structure

An IBAN can be up to 34 alphanumeric characters depending on the country. It contains four key elements

Country code based on ISO standards

Two check digits

Bank identifier

Basic Bank Account Number also called BBAN

This structure allows banks to validate the number automatically before a transfer proceeds.

Read more: How to Pay University Fees in the UK from India

IBAN examples

Germany – DE89370400440532013000

United Kingdom – GB29NWBK60161331926819

United Arab Emirates – AE070331234567890123456

Saudi Arabia – SA0380000000608010167519

These examples help you recognize legitimate formatting while preparing an IBAN number for an international money transfer from India.

IBAN vs SWIFT vs IFSC vs Routing Number vs Sort Code

Each code has a distinct job

IBAN identifies an individual account internationally

SWIFT identifies a financial institution globally

IFSC identifies a bank branch within India and supports inward transfers received in India through SWIFT

Routing numbers are used for domestic payments in the United States

Sort Code is used for branch identification in the United Kingdom and Ireland

For senders in India, the correct approach is to collect the recipient IBAN and the destination bank SWIFT information. This combination underpins the IBAN number for international money transfer from India.

Also read: Transfer Money Tax-Free from India to the UK

When is IBAN required

IBAN is required whenever you send money to a country that mandates the standard. Transfers to Europe the United Kingdom and the Gulf usually need the recipient IBAN. If you enter an incorrect IBAN your bank or provider may reject the payment, or the funds may be delayed until corrected. Verifying details upfront protects the IBAN number for international money transfer from India from costly reversals and fees.

How to find an IBAN

Ask the beneficiary to share their IBAN exactly as shown in their online banking profile mobile app or bank statement. Many banks also show IBAN on account confirmation letters. If the beneficiary is unsure, they should contact their bank. Never guess or infer characters. Accurate collection is essential to succeed with the IBAN number for international money transfer from India.

Common mistakes to avoid

Entering transposed digits

Confusing IBAN with SWIFT or IFSC

Assuming every country issues IBAN

Adding or removing spaces that change the characters

These mistakes are easy to prevent by copying the number from an official source and reviewing it once more before authorizing the transfer. That step alone safeguards the IBAN number for international money transfer from India.

India and IBAN

India does not issue IBAN for domestic customers. Incoming payments to India use SWIFT and IFSC. Outbound transfers from India to IBAN markets require the recipient IBAN. This simple rule removes confusion and streamlines IBAN number for international money transfer from India.

Use cases for Indian users

Overseas education fee payments to the United Kingdom and Europe

Maintenance transfers to family with accounts in IBAN countries

Freelance income settlements to client bank accounts in Europe and the Middle East

Supplier and invoice payments for global businesses operating from India

Each use case benefits from accurate validation that underwrites the IBAN number for international money transfer from India.

HOP Remit by moneyHOP

When precision and compliance matter, choose a platform designed for global transfers from India. HOP Remit by moneyHOP helps you enter and validate the recipient IBAN provides transparent charges and enables fast settlement with enterprise-grade security. This is built for students professionals families and businesses who need reliability for IBAN number for international money transfer from India.

Key advantages

Digital onboarding and strong KYC

Clear pricing and real-time status updates

Dedicated support for education and family maintenance routes

Coverage for major IBAN corridors including Europe the United Kingdom and the Middle East

These capabilities directly improve outcomes for IBAN number for international money transfer from India.

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Conclusion

IBAN is a global standard that brings accuracy to cross-border payments. India does not issue IBAN domestically, but Indian users regularly need it when sending money to Europe the United Kingdom and the Gulf. By collecting the correct number validating it and using a trusted platform you reduce risk and increase speed. Apply these practices and you will consistently succeed with the IBAN number for international money transfer from India.