July 22, 2026
IBANs for Non-SEPA Countries: UAE, Israel, and More
Not all IBAN countries are in SEPA. The UAE, Israel, Pakistan, and 40+ others use IBAN format but are outside the SEPA payment zone.
IBAN Is Not Exclusive to SEPA
A common misconception is that IBAN is a European system. In fact, 77 countries worldwide use IBAN — including many in the Middle East, the Caribbean, and Central Asia. However, only 36 of those countries are in SEPA.
Non-SEPA Countries Using IBAN
Notable non-SEPA IBAN countries include:
- United Arab Emirates: 23-character IBAN
- Israel: 23-character IBAN
- Saudi Arabia: 24-character IBAN
- Pakistan: 24-character IBAN
- Jordan: 30-character IBAN
- Turkey: 26-character IBAN
What Changes for Non-SEPA IBAN Transfers?
For transfers to non-SEPA IBAN countries, you still use the IBAN — but you also need the bank's SWIFT/BIC code. Processing times are 2–5 business days, and correspondent bank fees may apply. The IBAN is still validated using the same MOD-97 algorithm.
Browse the full list of IBAN countries to check format requirements for any country.