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IBAN Structure Netherlands

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

The Netherlands has the shortest IBAN in Western Europe at 18 characters, following the pattern NLkk BBBB CCCC CCCC CC. After NL and two check digits come a 4-letter bank code (e.g. INGB for ING, RABO for Rabobank, ABNA for ABN AMRO) and the 10-digit account number. The Netherlands switched to the IBAN in 2014 with the rest of SEPA and no longer maintains a separate national bank-identifier system — the 4-letter code in the IBAN is the only bank identifier. Within SEPA the BIC has not been required since 2016, and euro transfers cost the same as a domestic payment.

Overview

CountryNetherlands (NL)
IBAN length18 characters
FormatNLkk BBBB CCCC CCCC CC
Example IBANNL91 ABNA 0417 1643 00

Visual breakdown

Example IBAN:

NL91ABNA0417164300
Country codeCheck digitsBank codeAccount number

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codeNL2NL for the Netherlands (ISO 3166-1)
Check digits912Two check digits per MOD-97
Bank codeABNA44-letter bank code (e.g. INGB, RABO, ABNA)
Account number04171643001010-digit account number

Example IBAN for Netherlands

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

NL91 ABNA 0417 1643 00

18 characters · Format NLkk BBBB CCCC CCCC CC

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Frequently asked questions

How many characters does an IBAN in Netherlands have?
An IBAN in Netherlands has exactly 18 characters. It consists of the country code NL, two check digits and the national account number (BBAN) with 14 characters.
How is a Netherlands IBAN structured?
The IBAN in Netherlands follows the format NLkk BBBB CCCC CCCC CC. NL is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: NL91 ABNA 0417 1643 00.
What happens if I enter a wrong IBAN for Netherlands?
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