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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) 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. For payments to Poland, the available route and required details depend on the banks, currency and payment conditions; 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

CountryPoland (PL)
IBAN length28 characters
FormatPLkk BBBS SSSK CCCC CCCC CCCC CCCC

Visual breakdown

Fictitious format example, not payment data:

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

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Frequently asked questions

How do I check the length of an IBAN from Poland?
Remove spaces and count 28 characters. The first two characters are PL; the remaining positions follow PLkk BBBS SSSK CCCC CCCC CCCC CCCC. A different length is formally invalid for this country format.
What do the check digits in a Poland 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