HomeSWIFT codesEuro area
EURECIPIENT BANK DETAILS

What details do you need to send money to Euro area?

Use this as a format checklist, then follow the exact fields shown by your chosen provider. Local EUR payout and a direct international wire can use different instructions.

Account identifierCountry-specific IBAN
Local bank identifierBank-specific
SWIFT/BICCommon on direct wires
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This checks the published structure and any available checksum. It does not query the recipient account or save what you enter.

Checked only in this browser. Nothing entered here is sent, logged or stored.

FIELD BY FIELD

Euro area recipient checklist

“Conditional” means the field depends on the provider, currency or payment rail.

DetailWhenFormatWhat to check
Recipient namerequiredExact account name

Use the legal or account name.

IBANrequiredCountry-specific length

Check the first two letters and the length against the actual account country.

SWIFT/BICconditional8 or 11 characters

Usually not requested from the customer for a SEPA euro payment, but it can appear on other routes.

LOCAL PAYOUT OR DIRECT WIRE?

The same destination can ask for different details

There is no single EU IBAN length. Use the destination account's national IBAN format. Since February 2016, customers normally provide only the IBAN for a SEPA euro payment; the provider derives the BIC.

1Get the details from the recipient

Prefer their banking screen, official statement or bank-issued incoming-payment instructions.

2Check the institution separately

Use the official source links below. A passing format is not an institution match.

3Reconfirm any change

Call through a trusted number, not contact details contained in the payment-change message.

OFFICIAL CHECKS

Sources for Euro area

Use these for the institution, branch or national format. A directory result still does not identify the recipient account.

  1. SWIFT IBAN Registry, release 102
  2. Official SWIFT BIC Search
  3. European Payments Council: IBAN-only rule
REVIEWED BY

The names attached to this work

The checking desk produces the rate records. Finofin Limited is responsible for the published explanations and for correcting them when the evidence changes.

AR
Alon RajicPublisher and research leadBackground and responsibilities →
RG
Russell GousHead of contentBackground and responsibilities →