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IBAN Structure Iceland

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

Iceland's IBAN has 26 characters in the format ISkk BBBB SSCC CCCC XXXX XXXX XX. After the country code IS and the check digits come a 4-digit bank code, a 2-digit ledger number, the 6-digit account number and the 10-digit kennitala — the unique personal or company identifier assigned to every account in Iceland. Iceland is not an EU member but belongs to SEPA as an EEA state. The currency is the Icelandic króna (ISK), not the euro. For international payments, routing details, fees and timing depend on the banks, currency 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

CountryIceland (IS)
IBAN length26 characters
FormatISkk BBBB SSCC CCCC XXXX XXXX XX

Visual breakdown

Fictitious format example, not payment data:

IS140159260076545510730339
Country codeCheck digitsBank codeLedger numberAccount numberKennitala

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeIS2IS for Iceland (ISO 3166-1)
Check digits142Two check digits per MOD-97
Bank code015944-digit bank code
Ledger number2622-digit ledger number (Höfuðbók)
Account number00765466-digit account number
Kennitala55107303391010-digit personal or company ID (Kennitala)

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Frequently asked questions

How do I check the length of an IBAN from Iceland?
Remove spaces and count 26 characters. The first two characters are IS; the remaining positions follow ISkk BBBB SSCC CCCC XXXX XXXX XX. A different length is formally invalid for this country format.
What do the check digits in a Iceland 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