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IBAN Structure Poland

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

Poland's IBAN has 28 characters in the format PLkk BBBS SSSK CCCC CCCC CCCC CCCC. After PL and two check digits comes an 8-digit sort code (Numer Rozliczeniowy — the first 4 digits identify the bank, the next 4 the branch, plus a check digit) and the 16-digit account number. Example banks: 1090 for Santander Polska, 1140 for mBank, 1240 for Pekao, 1750 for BNP Paribas Polska. Poland is in SEPA as an EU member but uses the złoty (PLN) — not a euro country. From the euro area in euro: SEPA, no surcharge. In PLN: SWIFT.

Overview

CountryPoland (PL)
IBAN length28 characters
FormatPLkk BBBS SSSK CCCC CCCC CCCC CCCC
Example IBANPL61 1090 1014 0000 0712 1981 2874

Visual breakdown

Example IBAN:

PL61109010140000071219812874
Country codeCheck digitsBank codeAccount number

Character-by-character explanation

SegmentCharactersLengthExplanation
Country codePL2PL for Poland (ISO 3166-1)
Check digits612Two check digits per MOD-97
Bank code1090101488-digit sort code (Numer Rozliczeniowy: bank + branch + check)
Account number00000712198128741616-digit account number

Example IBAN for Poland

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

PL61 1090 1014 0000 0712 1981 2874

28 characters · Format PLkk BBBS SSSK CCCC CCCC CCCC CCCC

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Frequently asked questions

How many characters does an IBAN in Poland have?
An IBAN in Poland has exactly 28 characters. It consists of the country code PL, two check digits and the national account number (BBAN) with 24 characters.
How is a Poland IBAN structured?
The IBAN in Poland follows the format PLkk BBBS SSSK CCCC CCCC CCCC CCCC. PL is the country code, the following two digits are the check digits, and the remaining characters encode the bank and account details. Example: PL61 1090 1014 0000 0712 1981 2874.
What happens if I enter a wrong IBAN for Poland?
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