Finnish IBAN Format & IBAN Structure Example

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The Finland IBAN format consists of a two-letter country code, two check digits and a Basic Bank Account Number (BBAN). The BBAN includes information about the domestic bank and account number. Below you'll find examples for Finnish IBAN numbers, format, structure, bank account breakdown, and the Finland IBAN technical specification.

IBAN example in Finland

Standard IBANFI2112345600000785
IBAN print formatFI21 1234 5600 0007 85
Country codeFI
Checksum digits21
Bank code123456
Account number0000078
National check digit5
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IBAN structure in Finland

A Finnish IBAN consists of 18 alpha-numeric characters:

  • 2 letter country code
  • 2 digit checksum number
  • 6 characters from the bank's SWIFT / BIC or bank identification number
  • 7 digit code for the bank account number
  • 1 digit code for national code

Finnish IBAN codes contain all the country, bank, and account details required to send or receive money internationally.

Finnish banks assign IBAN codes to each individual account to make sure that international transfers are processed correctly.

IBAN codes are used throughout Europe, and also accepted in some areas of the Middle East, North Africa and the Caribbean.

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Finnish IBAN Technical Specification

Data ElementDescription - Pattern - Example
Name of countryFinland
IBAN prefix country code (ISO 3166)FI
Country code includes other countries/territoriesAX
SEPA countryYes
SEPA country also includesAX
BBAN
BBAN structure3!n11!n
BBAN length14
Bank identifier position within the BBAN1-3
BBAN exampleN/A
IBAN
IBAN structureFI2!n3!n11!n
IBAN length18
Effective dateDec-11
IBAN electronic format exampleFI2112345600000785
IBAN print format exampleFI21 1234 5600 0007 85
Contact Details
OrganisationFederation of Finnish Financial Services
Street AddressPO Box 1009
City / PostcodeFIN-00101 Helsinki
Department (generic) Emailpaymentsupport@finanssiala.fi
Central Bank Websitehttps://www.suomenpankki.fi/
Updates
Last update dateAug-16

IBAN specification conventions

Character representations:
  • n - Digits (numeric characters 0 to 9 only)
  • a - Upper case letters (alphabetic characters A-Z only)
  • c - Upper and lower case alphanumeric characters (A-Z, a-z and 0-9)
  • e - Blank space
Length indications:
  • nn! - Fixed length
  • nn - Maximum length
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ISO 13616-compliant national Finnish IBAN breakdown

IBAN (print format)FI21 1234 5600 0007 85
IBAN (electronic format)FI2112345600000785
ISO Country CodeFI (Finland)
Country code includes other countries/territories: AX
IBAN CheckSum Digits21
IBAN Length18
BBANN/A
BBAN Length14
Bank Identifier123
Account Number45600000785
SEPA MemberYes
SEPA country also includes: AX
CurrencyEUR (Euro)
Organization NameFederation of Finnish Financial Services

Terms and definitions

IBAN: stands for International Bank Account Number: The expanded version of the basic bank account number (BBAN), intended for use internationally. The IBAN uniquely identifies an individual account, at a specific financial institution, in a particular country and generally has a lenght of up to 34 alphanumeric characters. It is the ISO 13616 international standard for numbering bank accounts.

IBAN Structure: The IBAN structure is defined in ISO 13616-1 and consists of a two-letter ISO 3166-1 country code, followed by two check digits and up to thirty alphanumeric characters for a BBAN (Basic Bank Account Number) which has a fixed length per country and, included within it, a bank identifier with a fixed position and a fixed length per country. The check digits are calculated based on the scheme defined in ISO/IEC 7064 (MOD97-10).

Bank identifier: The identifier that uniquely identifies the financial institution and, when appropriate, the branch of that financial institution servicing an account. The branch identifier format is shown specifically, where present.

BBAN: basic bank account number: The identifier that uniquely identifies an individual account, at a specific financial institution, in a particular country. The BBAN includes a bank identifier of the financial institution servicing that account.

Checksum: The check digits enable validation of the bank account number at source to confirm its integrity before submitting a transaction.

Print format: The IBAN print format adds one space after every four characters whereas the electronic format contains no spaces.