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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. For this payment, required routing details depend on the banks and route; check them in advance with your bank.

Structural fields are based on the official SWIFT IBAN Registry. The editorial method and validation boundary are documented on our German editorial page (German).

Overview

CountryFinland (FI)
IBAN length18 characters
FormatFIkk BBBB BBCC CCCC CK

Visual breakdown

Fictitious format example, not payment data:

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

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Frequently asked questions

How do I check the length of an IBAN from Finland?
Remove spaces and count 18 characters. The first two characters are FI; the remaining positions follow FIkk BBBB BBCC CCCC CK. A different length is formally invalid for this country format.
What do the check digits in a Finland IBAN mean?
The two check digits are calculated from the complete IBAN using ISO 7064 MOD-97. They help detect format and transcription errors. A passing checksum does not confirm that an account exists or identify its account holder.
What should I do when an IBAN is formally invalid?
Check the country code, character count, letters and digits, and the check digits. Compare the entry with your bank records or ask the bank for the correct IBAN. This checker validates structure and checksum; it does not verify account ownership or payment approval.

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