Countries That Don't Use IBAN
IBAN (International Bank Account Number) is used by 77 countries — but many of the world's largest economies are not among them. The United States, Canada, Australia, Japan, China, and India all use entirely different account identifier systems. If someone gives you their US or Australian bank details and asks for your IBAN, they don't know their own system doesn't use one.
This guide explains exactly what account details to provide or request for each major non-IBAN country.
United States
What to provide instead of IBAN
The US uses two separate routing number systems: ABA (for domestic paper checks and ACH transfers) and Fedwire (for same-day domestic wires). For international transfers, the SWIFT code identifies the bank globally. Major US banks: JPMorgan Chase (CHASUS33), Bank of America (BOFAUS3N), Wells Fargo (WFBIUS6S), Citibank (CITIUS33).
Your routing number and account number are printed at the bottom of your checks (routing number first, then account number). You can also find them in your bank's mobile app under Account Details.
Canada
What to provide instead of IBAN
Canadian cheques show the routing information as a 9-digit string: 0[transit][institution]. When sending internationally to Canada, provide all three local fields plus the SWIFT code. Major banks: Royal Bank of Canada (ROYCCAT2), TD Bank (TDOMCATTTOR), Bank of Montreal (BOFMCAM2), Scotiabank (NOSCCATT).
Find your transit and institution numbers at the bottom of a Canadian cheque, or in your bank's mobile app under Account Details.
Australia
What to provide instead of IBAN
Australia's BSB system predates IBAN and the country has not adopted IBAN. The NPP (New Payments Platform, launched 2018) introduced PayID for domestic instant payments, but international transfers still require BSB + account number + SWIFT. When writing BSB, the format is often shown with a hyphen: XXX-XXX.
Your BSB and account number are shown in your bank's app under Account Details, on your bank statement, or on a cheque.
Japan
What to provide instead of IBAN
Japan uses the Zengin System for domestic transfers and BOJ-NET for large-value transfers. Japanese bank accounts are identified by bank code, branch code, account type, and account number. For international transfers, provide all local fields plus the SWIFT code. Major banks: Mitsubishi UFJ (BOTKJPJT), Sumitomo Mitsui (SMBCJPJT), Mizuho (MHCBJPJT).
Your bank code and branch code appear on your bank book (通帳, tsucho) or in your bank's app. Account numbers are always 7 digits — if shorter, left-pad with zeros.
China
What to provide instead of IBAN
China uses CNAPS for domestic transfers and SWIFT for international. The CNY (renminbi) is not freely convertible — transfers may require documentation of the underlying transaction. Cross-border transfers to China often face additional compliance checks. For Hong Kong, IBAN is not used either; use SWIFT + account number.
Your account number and CNAPS code appear in your bank's app or on your bank card (the 16–19 digit number on the front is your account number).
India
What to provide instead of IBAN
India has one of the most sophisticated domestic payments systems in the world, including UPI (Unified Payments Interface) for instant domestic transfers. For international inbound wires, you need the IFSC code, account number, and SWIFT code. Major banks: HDFC (HDFCINBB), ICICI (ICICINBB), State Bank of India (SBININBB), Axis Bank (AXISINBB).
Your IFSC code and account number appear on your cheque book, bank passbook, or in your bank's mobile app under Account Details.
Mexico
What to provide instead of IBAN
Mexico uses CLABE (Clave Bancaria Estandarizada) for all domestic bank transfers via the SPEI system. CLABE is an 18-digit standardised account identifier — similar in concept to IBAN but specific to Mexico and not internationally standardised. For international transfers to Mexico, many services now accept the CLABE as the account number alongside the SWIFT code.
Your CLABE is shown in your bank's mobile app under "Número de Cuenta" or "CLABE Interbancaria." It is always 18 digits.
New Zealand
What to provide instead of IBAN
New Zealand uses a national bank account number system. The 16-digit number encodes bank code, branch, account number, and suffix (which indicates account type: 00 = cheque, 01 = savings, etc.). For international transfers, provide the full 16-digit number (without hyphens) and the SWIFT code. Major banks: ANZ (ANZBNZ22), ASB (ASBBNZ2A), BNZ (BKNZNZ22), Westpac NZ (WPACNZ2W).
Your account number appears in your bank's app and on statements. It is usually displayed with hyphens (XX-XXXX-XXXXXXX-XX).
What if someone in a non-IBAN country asks for your IBAN?
If you're receiving money from a country that doesn't use IBAN, the sender may not have an IBAN field in their system at all. In that case, provide your IBAN as the "account number" field, and additionally provide your bank's SWIFT/BIC code. Most international transfer systems that don't use IBAN will route the payment using SWIFT, and your IBAN can serve as the account identifier.
If you're sending money to a non-IBAN country and your bank requires an IBAN, you may need to use a specialist service like Wise or Revolut which handle the translation between IBAN-based and non-IBAN-based banking systems.