IBANs

International Bank Account Numbers (IBAN) are unique codes used to identify accounts within the Single Euro Payment Area (SEPA) network.

An IBAN enables you to securely send and receive SEPA Credit Transfers and SEPA Direct Debit transactions across Europe.

Localized IBAN format

Your IBANs are localized, meaning that they’re country-specific, starting with one of several country prefixes.

Both your main and virtual IBANs and your Bank Identifier Code (BIC) are localized to your account country in compliance with local laws. IBANs begin with a country prefix, also included in the BIC. For example, FR is the prefix for France, and the BIC is SWNBFR22.

Your IBANs respect one of the following localized formats:

• France → IBAN: FR76 1732 8844 00XX XXXX XXXX XYY | BIC: SWNBFR22

  French IBANs consist of 34 letters and numbers. Each set of characters represents a different account detail.

  Character set	Explanation
  FR	France's country code
  76	Check digits
  17328	Swan's French bank code
  84400	Swan's French branch code for main IBANs (virtual IBANs: 89900)
  XXXX XXXX X	11-digit account number (not applicable for virtual IBANs)
  YY	Two-digit RIB keyRIB, or relevé d'identité bancaire, are Swan's bank details PDF
  SWNBFR22	Swan's French Bank Identifier Code (BIC)

• Germany → IBAN:DEYY 1001 4000 XXXX XXXX XX| BIC:SWNBDEBB

  German IBANs consist of 22 letters and numbers. Each set of characters represents a different account detail.

  Character set	Explanation
  DE	Germany's country code
  YY	IBAN check digits
  1001 4000	Swan's German bank code for main IBANs (virtual IBANs:1001 4001)
  XXXX XXXX XX	10-digit account number (not applicable for virtual IBANs)
  SWNBDEBB	Swan's German Bank Identifier Code (BIC)
  YY	Two-digit RIB keyRIB, or relevé d'identité bancaire, are Swan's bank details PDF
  SWNBFR22	Swan's French Bank Identifier Code (BIC)

• 🇮🇹Italy → IBAN:ITXX Y368 3200 000X XXXX XXXX XXX| BIC:SWNBITM2

  Italian IBANs consist of 27 letters and numbers. Each set of characters represents a different account detail.

  Character set	Explanation
  IT	Italy's country code
  XX	IBAN check digits
  Y	Italian national check code
  368 32	Swan's Italian bank code
  01600	Swan's Italian branch code for main IBANs (virtual IBANs: 01601)
  X XXXX XXXX XXX	12-digit account number (not applicable for virtual IBANs)
  SWNBITM2	Swan's Italian Bank Identifier Code (BIC)

• 🇳🇱Netherlands → IBAN:NLYY SWNB ZXXX XXXX XX| BIC:SWNBNL22

  Dutch IBANs consist of 18 letters and numbers. Each set of characters represents a different account detail.

  Character set	Explanation
  NL	Netherland's country code
  YY	IBAN check digits
  SWNB	Swan's bank code
  Z	IBAN type (1-4: main IBAN; 5-9: virtual IBAN)
  XXX XXXX XX	10-digit account number (not applicable for virtual IBANs)
  SWNBNL22	Swan's Dutch Bank Identifier Code (BIC)

• 🇪🇸Spain → IBAN:ESYY 6724 8440 ZZXX XXXX XXXX| BIC:SWNBESB2

  Spanish IBANs consist of 24 letters and numbers. Each set of characters represents a different account detail.

  Character set	Explanation
  ES	Spain's country code
  YY	IBAN check digits
  6724	Swan's Spanish bank code
  8440	Swan's Spanish branch code for main IBANs (virtual IBANs:8990)
  ZZ	Bank check digits
  XX XXXX XXXX	10-digit account number (not applicable for virtual IBANs)
  SWNBESB2	Swan's Spanish Bank Identifier Code (BIC)

IBAN types

There are two types of IBANs linked with your payment account:

• Main IBAN: a single primary IBAN assigned to your payment account
• Virtual IBANs: you can generate an unlimited number of virtual IBANs for your account

Main IBANs

Your payment account has one main IBAN, and all of your virtual IBANs are connected to this main IBAN. Go to Web Banking > Account > Main IBAN to view your main IBAN*, provided only after you complete account onboarding and identification.

Virtual IBANs

Virtual IBANs are designed to receive payments, allowing you to accept SEPA Credit Transfers and set up incoming SEPA Direct Debit transactions. You can’t make payments with your virtual IBANs.

The following image shows that you can create multiple virtual IBANs for your account linked to your main IBAN. Virtual IBANs enable you to separate payments for easier tracking.

If you still don’t have access to your IBAN after successfully completing identification, submit a request to Swan Support.