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IBAN Structure Estonia

Last reviewed: · Source: ISO 13616 / SWIFT IBAN Registry

Estonia's IBAN has 20 characters in the format EEkk BBCC CCCC CCCC CCCK. After the country code EE and the check digits come a 2-digit bank code, a 2-digit branch code, the 11-digit account number and a single national check digit. Estonia has been in the euro area since 2011 and is fully SEPA-integrated. A transfer from the euro area to Estonia needs only the IBAN — no BIC — at the ordinary SEPA rate, just like a domestic payment. Thanks to instant transfers, funds often arrive within seconds.

Overview

CountryEstonia (EE)
IBAN length20 characters
FormatEEkk BBCC CCCC CCCC CCCK
Example IBANEE38 2200 2210 2014 5685

Visual breakdown

Example IBAN:

EE382200221020145685
Country codeCheck digitsBank codeBranch codeAccount numberNational check digit(s)

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeEE2EE for Estonia (ISO 3166-1)
Check digits382Two check digits per MOD-97
Bank code2222-digit bank code
Branch code0022-digit branch code
Account number221020145681111-digit account number
National check digit(s)511 national check digit

Example IBAN for Estonia

The IBAN below illustrates the format for Estonia. It is fictitious and shown for illustration only.

EE38 2200 2210 2014 5685

20 characters · Format EEkk BBCC CCCC CCCC CCCK

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Frequently asked questions

How many characters does an IBAN in Estonia have?
An IBAN in Estonia has exactly 20 characters. It consists of the country code EE, two check digits and the national account number (BBAN) with 16 characters.
How is a Estonia IBAN structured?
The IBAN in Estonia follows the format EEkk BBCC CCCC CCCC CCCK. EE is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: EE38 2200 2210 2014 5685.
What happens if I enter a wrong IBAN for Estonia?
Thanks to the built-in check digits (MOD-97, ISO 7064), most typos in an IBAN are detected automatically. The bank rejects a malformed IBAN and the transfer is not executed. Always check an IBAN carefully against your records before you send a payment.

IBAN structure for other countries

Germany

22 characters · DEkk BBBB BBBB CCCC CCCC CC

Austria

20 characters · ATkk BBBB BCCC CCCC CCCC

Switzerland

21 characters · CHkk BBBB BCCC CCCC CCCC C

Liechtenstein

21 characters · LIkk BBBB BCCC CCCC CCCC C

France

27 characters · FRkk BBBB BGGG GGCC CCCC CCCC CKK

Spain

24 characters · ESkk BBBB GGGG KKCC CCCC CCCC

Italy

27 characters · ITkk XBBB BBGG GGGC CCCC CCCC CCC

Portugal

25 characters · PTkk BBBB SSSS CCCC CCCC CCCK K