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Main article: "Single Euro Payments Area

The IBAN designation scheme was chosen as the foundation for electronic "straight-through processing in the "European Economic Area. The European Parliament mandated that a "bank charge needs to be the same amount for domestic credit transfers as for cross-border credit transfers regulated in decision 2560/2001 (updated in 924/2009).[15] This regulation took effect in 2003. Only payments in euro up to €12,500 to a bank account designated by its IBAN were covered by the regulation.

The Euro Payments regulation has been the foundation for the decision to create a "Single Euro Payments Area (SEPA). The "European Central Bank has created the "TARGET2 interbank network that unifies the technical infrastructure of the 26 central banks of the European Union (although Sweden and the UK have opted-out). SEPA is a self-regulatory initiative by the banking sector of Europe as represented in the "European Payments Council (EPC). The European Union made the scheme mandatory through the "Payment Services Directive published in 2007. Since January 2008, all countries must support SEPA credit transfer, and SEPA direct debit must be supported since November 2009. The regulation on SEPA payments increases the charge cap (same price for domestic payments as for cross-border payments) to €50,000.

With a further decision of the European Parliament, the IBAN scheme for bank accounts fully replaced the domestic numbering schemes from 31 December 2012.[18] On 16 December 2010, the European Commission published proposed regulations that will make IBAN support mandatory for domestic credit transfer by 2013 and for domestic direct debit by 2014 (with a 12 and 24 months transition period respectively).[19] Some countries have already replaced their traditional bank account scheme by IBAN. This includes Switzerland where IBAN was introduced for national credit transfer on 1 January 2006 and the support for the old bank account numbers has not been required from 1 January 2010.[20]

Based on a 20 December 2011 memorandum,[21] the EU parliament resolved the mandatory dates for the adoption of the IBAN on 14 February 2012.[22] From 1 February 2014, all national systems for credit transfer and direct debit must be abolished and replaced by an IBAN-based system.[22] This will be extended to all cross-border SEPA transactions from 1 February 2016 (Article 5 Section 7).[22] After these dates the IBAN will be sufficient to identify an account for home and foreign financial transactions in SEPA countries and banks will no longer be permitted to require that the customer supply the BIC for the beneficiary's bank.

In the run-up to the 1 February 2014 deadline, it became apparent that many old bank account numbers had not been allocated IBANs—an issue that has to be addressed on a country-by-country basis. In Germany, for example, the "German Federal Bank and the "German Banking Industry Committee require that all holders of German bank codes ("Bankleitzahl") publish the specifics of their IBAN generation format taking into account not only the generation of check digits but also the handling of legacy bank codes, thereby enabling third parties to generate IBANs independently of the bank.[23] The first such catalogue was published in June 2013 as a variant of the old bank code catalog ("Bankleitzahlendatei").[24]

Non-EEA[edit]

Banks in numerous non-European countries including most states of the "Middle East, "North Africa and the "Caribbean have implemented the IBAN format for account identification.[1] In some countries the IBAN is used on an ad hoc basis, an example being "Ukraine where account numbers used for international transfers of four of the national banks have additional aliases that follow the IBAN format as a precursor to formal SWIFT registration.[25]

The degree to which bank verifies the validity of a recipient's bank account number depends of the configuration of the transmitting bank's software—many major software packages supply bank account validation as a standard function.[26] Some banks outside Europe may not recognize IBAN, though this is expected to diminish with time. Non-European banks usually accept IBANs for accounts in Europe, although they might not treat IBANs differently from other foreign bank account numbers. In particular, they might not check the IBAN's validity prior to sending the transfer.[27]

Banks in the "United States do not use IBAN as account numbers for U.S. accounts.[28] Any adoption of the IBAN standard by U.S. banks would likely be initiated by "ANSI ASC X9, the U.S. financial services standards development organization: a working group (WGAB20) was established as an X9 subcommittee to generate an IBAN construction for U.S. bank accounts.[29]

Canadian financial institutions have not adopted IBAN and use "bank transit numbers issued by the "Canadian Payments Association for domestic transfers, and SWIFT for international transfers. There is no formal governmental or private sector regulatory requirement in Canada for the major banks to use IBAN.

"Australia and "New Zealand do not use IBAN. They use "Bank State Branch codes for domestic transfers and SWIFT for international transfers.[30]

IBAN formats by country[edit]

This table summarises the IBAN formats by country:[1]

Country Chars BBAN Format IBAN Fields Comment
"Albania 28 8n,16c ALkk bbbs sssx cccc cccc cccc cccc b = National bank code
s = Branch code
x = National check digit
c = Account number
"Andorra 24 8n,12c ADkk bbbb ssss cccc cccc cccc b = National bank code
s = Branch code
c = Account number
"Austria 20 16n ATkk bbbb bccc cccc cccc b = National bank code
c = Account number
"Azerbaijan 28 4c,20n AZkk bbbb cccc cccc cccc cccc cccc b = National bank code
c = Account number
"Bahrain 22 4a,14c BHkk bbbb cccc cccc cccc cc b = National bank code
c = Account number
"Belarus
July 4, 2017[31]
28 4c, 20n BYkk bbbb aaaa cccc cccc cccc cccc b - National bank or branch code
a - Balance account number
c - Account number
"Belgium 16 12n BEkk bbbc cccc ccxx b = National bank code
c = Account number
x = National check digits
"Bosnia and Herzegovina 20 16n BAkk bbbs sscc cccc ccxx k = IBAN check digits (always 39)
b = National bank code
s = Branch code
c = Account number
x = National check digits
"Brazil 29 23n,1a,1c BRkk bbbb bbbb ssss sccc cccc ccct n k = IBAN check digits (Calculated by MOD 97-10)
b = National bank code
s = Branch code
c = Account number
t = Account type (Cheque account, Savings account etc.)
n = Owner account number ("1", "2" etc.)[32]
"Bulgaria 22 4a,6n,8c BGkk bbbb ssss ttcc cccc cc b = "BIC bank code
s = Branch (BAE) number
t = Account type
c = Account number
"Costa Rica 22 17n CRkk 0bbb cccc cccc cccc cc 0= always zero

b = bank code
c = Account number

"Croatia 21 17n HRkk bbbb bbbc cccc cccc c b = Bank code
c = Account number
"Cyprus 28 8n,16c CYkk bbbs ssss cccc cccc cccc cccc b = National bank code
s = Branch code
c = Account number
"Czech Republic 24 20n CZkk bbbb ssss sscc cccc cccc b = National bank code
s = Account number prefix
c = Account number
"Denmark 18 14n DKkk bbbb cccc cccc cc b = National bank code
c = Account number
"Dominican Republic 28 4a,20n DOkk bbbb cccc cccc cccc cccc cccc b = Bank identifier
c = Account number
"East Timor 23 19n TLkk bbbc cccc cccc cccc cxx k = IBAN check digits (always = "38")
b = Bank identifier
c = Account number
x = National check digit
"Estonia 20 16n EEkk bbss cccc cccc cccx b = National bank code
s = Branch code
c = Account number
x = National check digit
"Faroe Islands[Note 4] 18 14n FOkk bbbb cccc cccc cx b = National bank code
c = Account number
x = National check digit
"Finland 18 14n FIkk bbbb bbcc cccc cx b = Bank and branch code
c = Account number
x = National check digit
"France[Note 5] 27 10n,11c,2n FRkk bbbb bsss sscc cccc cccc cxx b = National bank code
s = Branch code (fr:code guichet)
c = Account number
x = National check digits (fr:clé RIB)
"Georgia 22 2c,16n GEkk bbcc cccc cccc cccc cc b = National bank code
c = Account number
"Germany 22 18n DEkk bbbb bbbb cccc cccc cc b = Bank and branch identifier (de:Bankleitzahl or BLZ)
c = Account number
"Gibraltar 23 4a,15c GIkk bbbb cccc cccc cccc ccc b = "BIC bank code
c = Account number
"Greece 27 7n,16c GRkk bbbs sssc cccc cccc cccc ccc b = National bank code
s = Branch code
c = Account number
"Greenland[Note 4] 18 14n GLkk bbbb cccc cccc cc b = National bank code
c = Account number
"Guatemala [33] 28 4c,20c GTkk bbbb mmtt cccc cccc cccc cccc b = National bank code
c = Account number
m = Currency
t = Account type
"Hungary 28 24n HUkk bbbs sssk cccc cccc cccc cccx b = National bank code
s = Branch code
c = Account number
x = National check digit
"Iceland 26 22n ISkk bbbb sscc cccc iiii iiii ii b = National bank code
s = Branch code
c = Account number
i = holder's "kennitala (national identification number).
"Ireland 22 4c,14n IEkk aaaa bbbb bbcc cccc cc a = "BIC bank code
b = Bank/branch code ("sort code)
c = Account number
"Israel 23 19n ILkk bbbn nncc cccc cccc ccc b = National bank code
n = Branch number
c = Account number 13 digits (padded with zeros)
"Italy 27 1a,10n,12c ITkk xbbb bbss sssc cccc cccc ccc x = Check char (CIN)
b = National bank code ("Associazione Bancaria Italiana or Codice ABI )
s = Branch code (it:Coordinate bancarie or CABCodice d'Avviamento Bancario)
c = Account number
"Jordan[34] 30 4a,22n JOkk bbbb ssss cccc cccc cccc cccc cc b = National bank code
s = Branch code
c = Account number
"Kazakhstan 20 3n,13c KZkk bbbc cccc cccc cccc b = National bank code
c = Account number
"Kosovo 20 4n,10n,2n XKkk bbbb cccc cccc cccc b = National bank code
c = Account number
"Kuwait 30 4a,22c KWkk bbbb cccc cccc cccc cccc cccc cc b = National bank code
c = Account number.
"Latvia 21 4a,13c LVkk bbbb cccc cccc cccc c b = "BIC Bank code
c = Account number
"Lebanon 28 4n,20c LBkk bbbb cccc cccc cccc cccc cccc b = National bank code
c = Account number
"Liechtenstein 21 5n,12c LIkk bbbb bccc cccc cccc c b = National bank code
c = Account number
"Lithuania 20 16n LTkk bbbb bccc cccc cccc b = National bank code
c = Account number
"Luxembourg 20 3n,13c LUkk bbbc cccc cccc cccc b = National bank code
c = Account number
"Macedonia 19 3n,10c,2n MKkk bbbc cccc cccc cxx k = IBAN check digits (always = "07")
b = National bank code
c = Account number
x = National check digits
"Malta 31 4a,5n,18c MTkk bbbb ssss sccc cccc cccc cccc ccc b = "BIC bank code
s = Branch code
c = Account number
"Mauritania 27 23n MRkk bbbb bsss sscc cccc cccc cxx k = IBAN check digits (always 13)
b = National bank code
s = Branch code (fr:code guichet)
c = Account number
x = National check digits (fr:clé RIB)
"Mauritius 30 4a,19n,3a MUkk bbbb bbss cccc cccc cccc 000m mm b = National bank code
s = Branch identifier
c = Account number
0 = Zeroes
m = Currency Symbol
"Monaco 27 10n,11c,2n MCkk bbbb bsss sscc cccc cccc cxx b = National bank code
s = Branch code (fr:code guichet)
c = Account number
x = National check digits (fr:clé RIB).
"Moldova 24 2c,18c MDkk bbcc cccc cccc cccc cccc b = National bank code
c = Account number
"Montenegro 22 18n MEkk bbbc cccc cccc cccc xx k = IBAN check digits (always = "25")
b = Bank code
c = Account number
x = National check digits
"Netherlands[Note 6] 18 4a,10n NLkk bbbb cccc cccc cc b = "BIC Bank code
c = Account number
"Norway 15 11n NOkk bbbb cccc ccx b = National bank code
c = Account number
x = Modulo-11 national check digit
"Pakistan 24 4c,16n PKkk bbbb cccc cccc cccc cccc b = National bank code
c = Account number
"Palestinian territories 29 4c,21n PSkk bbbb xxxx xxxx xccc cccc cccc c b = National bank code
c = Account number
x = Not specified
"Poland 28 24n PLkk bbbs sssx cccc cccc cccc cccc b = National bank code
s = Branch code
x = National check digit
c = Account number,
"Portugal 25 21n PTkk bbbb ssss cccc cccc cccx x k = IBAN check digits (always = "50")
b = National bank code (numeric only)
s = Branch code (numeric only)
c = Account number (numeric only)
x = National check digits (numeric only)
"Qatar 29 4a,21c QAkk bbbb cccc cccc cccc cccc cccc c b = National bank code
c = Account number[35]
"Romania 24 4a,16c ROkk bbbb cccc cccc cccc cccc b = "BIC Bank code
c = Branch code and account number (bank-specific format)
"San Marino 27 1a,10n,12c SMkk xbbb bbss sssc cccc cccc ccc x = Check char (it:CIN)
b = National bank code (it:Associazione bancaria italiana or Codice ABI)
s = Branch code (it:Coordinate bancarie or CABCodice d'Avviamento Bancario)
c = Account number
"Saudi Arabia 24 2n,18c SAkk bbcc cccc cccc cccc cccc b = National bank code
c = Account number preceded by zeros, if required
"Serbia 22 18n RSkk bbbc cccc cccc cccc xx b = National bank code
c = Account number
x = Account check digits
"Slovakia 24 20n SKkk bbbb ssss sscc cccc cccc b = National bank code
s = Account number prefix
c = Account number
"Slovenia 19 15n SIkk bbss sccc cccc cxx k = IBAN check digits (always = "56")
b = National bank code
s = Branch code
c = Account number
x = National check digits
"Spain 24 20n ESkk bbbb ssss xxcc cccc cccc b = National bank code
s = Branch code
x = Check digits
c = Account number
"Sweden 24 20n SEkk bbbc cccc cccc cccc cccc b = National bank code
c = Account number
"Switzerland 21 5n,12c CHkk bbbb bccc cccc cccc c b = National bank code
c = Account number
"Tunisia 24 20n TNkk bbss sccc cccc cccc cccc k = IBAN check digits (always 59)
b = National bank code
s = Branch code
c = Account number
"Turkey 26 5n,17c TRkk bbbb bxcc cccc cccc cccc cc b = National bank code
x = Reserved for future use (currently "0")
c = Account number
"United Arab Emirates 23 3n,16n AEkk bbbc cccc cccc cccc ccc b = National bank code
c = Account number
"United Kingdom[Note 7] 22 4a,14n GBkk bbbb ssss sscc cccc cc b = "BIC bank code
s = Bank and branch code ("sort code)
c = Account number
"Virgin Islands, British 24 4c,16n VGkk bbbb cccc cccc cccc cccc b = National bank code
c = Account number

In addition to the above list, "Nordea has catalogued IBANs for countries listed below.[36]

In this list

Country Chars Example
"Algeria 24 DZkk nnnn nnnn nnnn nnnn nnnn
"Angola 25 AOkk nnnn nnnn nnnn nnnn nnnn n
"Benin 28 BJkk annn nnnn nnnn nnnn nnnn nnnn
"Burkina Faso 27 BFkk nnnn nnnn nnnn nnnn nnnn nnn
"Burundi 16 BIkk nnnn nnnn nnnn
"Cameroon 27 CMkk nnnn nnnn nnnn nnnn nnnn nnn
"Cape Verde 25 CVkk nnnn nnnn nnnn nnnn nnnn n
"Iran 26 IRkk nnnn nnnn nnnn nnnn nnnn nn
"Ivory Coast 28 CIkk annn nnnn nnnn nnnn nnnn nnnn
"Madagascar 27 MGkk nnnn nnnn nnnn nnnn nnnn nnn
"Mali 28 MLkk annn nnnn nnnn nnnn nnnn nnnn
"Mozambique 25 MZkk nnnn nnnn nnnn nnnn nnnn n
"Senegal 28 SNkk annn nnnn nnnn nnnn nnnn nnnn
"Ukraine 29 UAkk bbbb bbcc cccc cccc cccc cccc c

Addition list of countries, in the process of introducing the IBAN retrieved from "SWIFT partner website are listed below. [37]

In this list


Country Chars Example
"Comoros 27 KMkk nnnn nnnn nnnn nnnn nnnn nnn
"Chad 27 TDkk nnnn nnnn nnnn nnnn nnnn nnn
"Congo 27 CGkk nnnn nnnn nnnn nnnn nnnn nnn
"Egypt 27 EGkk nnnn nnnn nnnn nnnn nnnn nnn
"Gabon 27 GAkk nnnn nnnn nnnn nnnn nnnn nnn
"Honduras 28 HNkk aaaa nnnn nnnn nnnn nnnn nnnn
"Morocco 28 MAkk nnnn nnnn nnnn nnnn nnnn nnnn
"Nicaragua 32 NIkk aaaa nnnn nnnn nnnn nnnn nnnn nnnn
"Niger 28 NEkk aann nnnn nnnn nnnn nnnn nnnn
"Togo 28 TGkk aann nnnn nnnn nnnn nnnn nnnn

Criticism[edit]

There is criticism about the length and readability of IBAN. Printed on paper the IBAN is often difficult to read. Therefore, it is popular to group the IBAN with four symbols. However, for electronic documents (e.g. PDF invoice) the copy and paste of grouped IBAN can result in errors with online banking forms. Only a few["citation needed] user friendly bank institutes allow and detect the copy and paste of both grouped and ungrouped IBAN.

See also[edit]

Notes[edit]

  1. ^ In equations, the remainder of A divided by B is denoted A mod B or A (mod B), e.g., 2 = 14 mod 12 . See "Remainders.
  2. ^ The maximum length of D in (decimal) digits for the fully generic IBAN with 34 alphanumeric digits (two of which, the check digits, can, however, only be numeric) is (34 − 2) × 2 + 2 × 1 = 66. 2220 is equal to 1.7 × 1066, from which it can be inferred that 220 bit unsigned integers can accommodate all unsigned integers of 66 digits.
  3. ^ 231 is approximately equal to 2.1 × 109, making it possible for any 9-digit integer to be handled using 32 bit integer arithmetic
  4. ^ a b Registered at SWIFT as part of Denmark, but with its own country code.
  5. ^ "French Guyana, "French Polynesia, "French Southern Territories, "Guadeloupe, "Martinique, "Mayotte, "New Caledonia, "Réunion, "Saint Barthélemy, "Saint Martin (French part), "Saint Pierre and Miquelon, and "Wallis and Futuna Islands have their own ISO country code but use "FR" as their IBAN country code.
  6. ^ Not applicable to "Aruba, "Curaçao, "Sint Maarten, and the "Caribbean Netherlands.
  7. ^ The United Kingdom of "Great Britain and Northern Ireland, the Isle of Man and the "Bailiwicks of "Guernsey and "Jersey use this format. British Overseas Territories have their own formats — only Gibraltar and the British Virgin Islands use IBANs.

References[edit]

  1. ^ a b c d e f "IBAN registry – This registry provides detailed information about all ISO 13616-compliant national IBAN formats – Release 63" (PDF). SWIFT. February 2016. Retrieved 15 February 2016. 
  2. ^ "Handbook for the Standardisation and Application of Basic Bank Account Number (BBAN) and International Bank Account Number (IBAN) in Cyprus" (PDF). Central Bank of Cyprus. September 2003. Introduction. Retrieved 7 August 2012. 
  3. ^ a b "Banking and related financial services -- International Bank Account Number (IBAN)". International Organisation for Standardisation. 24 July 2003. Retrieved 11 August 2012. 
  4. ^ a b "IBAN Standard Implementation Guidelines – SIG203 V4" (PDF). European Committee for Banking Standards. December 2000. 9.3 Ordering customer. Retrieved 8 August 2012. IBANs make validation possible for telebanking, FEDI 
  5. ^ "ISO 13616-1:2007 Financial services — International bank account number (IBAN) — Part 1: Structure of the IBAN". International Organization for Standardization. Retrieved 31 January 2010. 
  6. ^ "ISO 13616-2:2007 Financial services – International bank account number (IBAN) -- Part 2: Role and responsibilities of the Registration Authority". International Organization for Standardization. Retrieved 31 January 2010. 
  7. ^ "ISO13616 IBAN Registry". SWIFT. Retrieved 18 January 2010. 
  8. ^ a b c d "IBAN: International Bank Account Number" (PDF). EBS204 V3.2. European Committee for Banking Standards. August 2003. Retrieved 1 August 2010. 
  9. ^ a b c "ISO/IEC 7064:2003 – Information technology – Security techniques – Check character systems". International Organization for Standardization. Retrieved 31 January 2010. 
  10. ^ "Handbook for the Standardisation and Application of Basic Bank Account Number (BBAN) and International Bank Account Number (IBAN) in Cyprus" (PDF). Central Bank of Cyprus. September 2003. Section 4 – Advantages. Retrieved 7 August 2012. Reduction of human errors 
  11. ^ "International Bank Account Number (IBAN) – IBAN online check". UN/CEFACT United Nations Centre for Trade Facilitation and Electronic Business. 23 April 2012. Retrieved 7 August 2012. 
  12. ^ "International Bank Account Number (IBAN) – Basic information". UN/CEFACT United Nations Centre for Trade Facilitation and Electronic Business. 23 April 2012. Retrieved 7 August 2012. 
  13. ^ "Iban Checker". European Banking Resources. ecbs.org. 22 September 2008. Retrieved 30 September 2012. 
  14. ^ "Standard 48 – Format of the IBAN issued in the UK (International Bank Account Number)" (PDF). UK Payments Administration. June 2016. Retrieved 20 August 2012. 
  15. ^ a b c "REGULATION (EC) No 924/2009 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 16 September 2009 on cross-border payments in the Community and repealing Regulation (EC) No 2560/2001". "EUR-Lex. Retrieved 2 September 2016. 
  16. ^ "Bermuda Monetary Authority: Home Page". 2013. Retrieved 2 April 2013. 
  17. ^ "World Payments Guide". PacNet Services Ltd. 2011. Retrieved 2 April 2013. 
  18. ^ "Frist für Umstieg auf SEPA-Produkte: Dt Widerstand programmiert" [Deadline for migration to SEPA products: Dt programmed resistance] (in German). Dow Jones Deutschland. 14 December 2010. Retrieved 18 December 2010. 
  19. ^ "Proposal for a Regulation of the European Parliament and of the Council establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) No 924/2009". the European Parliament and of the Council of the European Union. 16 December 2010. Retrieved 17 January 2011. 
  20. ^ "IBAN-Nummer: Noch kein Obligatorium" [IBAN Number: Not mandatory] (in German). 29 November 2009. Retrieved 18 December 2010. 
  21. ^ "Commissioner Michel Barnier welcomes agreement by Council and Parliament establishing SEPA migration end-dates" (Press release). European Commission. 20 December 2010. MEMO/11/935. 
  22. ^ a b c "European Parliament legislative resolution of 14 February 2012 on the proposal for a regulation of the European Parliament and of the Council establishing technical requirements for credit transfers and direct debits in euros and amending Regulation (EC) No 924/2009". European Parliament. 14 February 2012. P7_TA-PROV(2012)0037. 
  23. ^ "Rundschreiben Nr. 73/2012 Abkommen über IBAN-Regeln" [Circular no 70/2012 Agreement regarding IBAN rules] (PDF) (in German). Deutsche Bundesbank. 18 December 2012. Retrieved 11 June 2013. 
  24. ^ "IBAN-Regeln – Bankleitzahlendatei" [IBAN Rules – Bank [sort] codes] (in German). Deutsche Bundesbank. 3 June 2013. Retrieved 11 June 2013. 
  25. ^ Засідання Комітету з питань банківської інфраструктури та платіжних систем [News: Committee Meeting banking infrastructure and payment systems] (in Ukrainian). 28 March 2013. Archived from the original on 29 July 2013. Retrieved 2 April 2013. 
  26. ^ "Bank Account Validation". SAP work portal. SAP. Retrieved 23 May 2013. 
  27. ^ "Avoiding the Pitfalls of IBAN Payments". Reed Business Information Limited. 2013. pp. 1–4. Retrieved 23 May 2013. 
  28. ^ "Understanding SWIFT and IBAN: Essential Details When Making A Money Transfer". Currency Solutions. 2013. Retrieved 22 May 2013. 
  29. ^ "X9 Board, Subcommittees and Working Groups: WGAB20 – (IBAN) International Bank Account Number". Accredited Standards Committee X9. 2012. Retrieved 9 November 2012. 
  30. ^ "IBAN SWIFT Codes". Switzerland Buying Guide. 2013. Archived from the original on 7 July 2014. Retrieved 4 July 2013. 
  31. ^ "Переход на IBAN и BIC". "Национальный банк Республики Беларусь. 
  32. ^ "IBAN Implementation Guidelines for Brazil - Circular 3.625" (PDF). Banco Central do Brasil. 14 February 2013. Retrieved 1 August 2013. 
  33. ^ "Convertidor Cuentas Estandarizadas" [Standardized Account Converter] (in Spanish). Banco de Guatemala. 
  34. ^ "FAQ on the International Bank Account Number (IBAN)" (PDF). "Citibank. 
  35. ^ "IBAN Registry (Qatar - Page 63)" (PDF). SWIFT. November 2013. Retrieved 21 November 2013. 
  36. ^ "IBAN countries". Nordea. 2016. Retrieved 12 Jan 2016. 
  37. ^ "Experimental IBAN Countries". IBAN.com. 2017. Retrieved 4 March 2017. 

External links[edit]

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