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IBAN Structure Finland

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

Finland's IBAN is compact at 18 characters and follows the pattern FIkk BBBB BBCC CCCC CK. After FI and the check digits come a 6-digit bank code (the Finnish clearing number, e.g. 200001 for Nordea, 405000 for OP Bank), the 7-digit account number and a single national check digit. Finland is in the euro area and fully SEPA-integrated. From the euro area to Finland: SEPA rate, no BIC, often settled in under a day or in seconds as an instant transfer.

Overview

CountryFinland (FI)
IBAN length18 characters
FormatFIkk BBBB BBCC CCCC CK
Example IBANFI21 1234 5600 0007 85

Visual breakdown

Example IBAN:

FI2112345600000785
Country codeCheck digitsBank codeAccount numberNational check digit(s)

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeFI2FI for Finland (ISO 3166-1)
Check digits212Two check digits per MOD-97
Bank code12345666-digit clearing code
Account number000007877-digit account number
National check digit(s)511 national check digit

Example IBAN for Finland

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

FI21 1234 5600 0007 85

18 characters · Format FIkk BBBB BBCC CCCC CK

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Frequently asked questions

How many characters does an IBAN in Finland have?
An IBAN in Finland has exactly 18 characters. It consists of the country code FI, two check digits and the national account number (BBAN) with 14 characters.
How is a Finland IBAN structured?
The IBAN in Finland follows the format FIkk BBBB BBCC CCCC CK. FI is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: FI21 1234 5600 0007 85.
What happens if I enter a wrong IBAN for Finland?
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