June 17, 2026
Sweden IBAN Format Explained
Swedish IBANs are 24 characters and use a unique clearing number plus account number system that differs from most other IBAN countries.
Swedish IBAN Structure
A Swedish IBAN is always 24 characters long:
- SE — country code
- XX — 2 check digits
- XXXX — 3-digit bank code + 1 reserved digit
- XXXXXXXXXXXXXXXXXX — 16-digit account number (zero-padded)
Example: SE45 5000 0000 0583 9825 7466
View the full Sweden IBAN format page.
Swedish Clearing Numbers
Sweden uses a 4–5 digit clearing number (clearingnummer) to identify banks and branches. Swedbank uses 7000–7999; Handelsbanken uses 6000–6999; SEB uses 5000–5999; Nordea uses 1100–1199 and 1400–2099.
Sweden and SEPA
Sweden is a SEPA member but uses Swedish kronor (SEK), not euros. SEPA rules apply only to euro-denominated transfers. Cross-border transfers in SEK are treated as standard international payments.