Verify the Recipient’s IBAN Before Sending Money Abroad
Accurate IBAN validation
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When you transfer money overseas, especially to Europe, the Middle East, and the UK, the receiving bank requires an IBAN to correctly identify the recipient’s bank account. Entering the correct IBAN ensures your international transfer reaches the right account without delays or rejection.
Check the IBAN shared by the recipient and complete your outward remittance securely and confidently.
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IBAN Explained for Overseas Payments
IBAN stands for International Bank Account Number. It is a standardized bank account format used internationally to identify an individual’s bank account during cross-border transfers.
IBAN gives banks the exact account details required to credit funds correctly.
Simple explanation:
In India, we only use account number + IFSC for domestic transfers.
In many countries, they use IBAN + SWIFT for international transfers.
So, if SWIFT identifies the bank worldwide, IBAN identifies the bank account.
If the IBAN is incorrect, the transfer may be rejected or returned, causing delays and fees.
Where do you find your IBAN?
Ask your recipient abroad to share their IBAN. They can find it easily in:
Important: Always confirm the IBAN with the recipient before initiating a transfer to avoid errors and recall charges.
IBAN formats vary by country. Here are common examples:
United Kingdom: GB29 NWBK 6016 1331 9268 19
Germany: DE89 3704 0044 0532 0130 00
France: FR14 2004 1010 0505 0001 3M02 606
UAE: AE07 0331 2345 6789 0123 456
Saudi Arabia: SA03 8000 0000 6080 1016 7519
IBAN Format
- Country Code:Based on ISO standards
- Check Digits:Two check digits
- Bank Identifier:
- Account Number:Basic Bank Account Number also called BBAN
The big confusion
IBAN | SWIFT | Routing no/ ACH | BSB | Sort code
Cross-border payments involve region-specific bank identifiers. Understanding the difference prevents transaction failures:
Key takeaway: When sending money abroad, you usually need IBAN + SWIFT, depending on the country. IBAN identifies the account, and SWIFT identifies the bank.
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Frequently Asked Questions
What is an IBAN?
An IBAN is a standardized international bank account number used to ensure error-free cross-border payments.
Why is an IBAN required for international transfers?
Banks use IBANs to identify the exact beneficiary account, reducing payment delays and routing errors.
How is an IBAN structured?
It starts with a country code, followed by two check digits and a country-specific BBAN that includes bank and account details.
Where can I find my IBAN?
You can locate it on your bank statement, online banking dashboard, or by contacting your bank.
What’s the difference between IBAN and SWIFT/BIC?
IBAN identifies the recipient’s account; SWIFT/BIC identifies the recipient’s bank. Many international payments require both.
Do all countries use IBAN?
No. Regions like Europe and parts of the Middle East use IBAN, while countries like the U.S. and Canada use other routing formats.
How do I verify if an IBAN is valid?
Check its length, country format, and verify the check digits using an IBAN validation tool.
What happens if I enter an incorrect IBAN?
Your transfer may get delayed, rejected, or returned by the receiving bank.
Is it safe to share my IBAN?
Yes. Sharing an IBAN only exposes routing information needed to receive payments, not account login details.
Are there fees when sending money using an IBAN?
Fees depend on your bank and the transfer method; the IBAN itself does not incur charges.
Can I generate or guess an IBAN?
No. Only the issuing bank can provide an accurate IBAN for a specific account.
Can I use the same IBAN for both domestic and international transfers?
Yes. In most IBAN-enabled countries, the same IBAN is used for both domestic and cross-border payments.
