EUR Euro

IBAN Countries Using EUR

26 countries in the IBAN standard use EUR (Euro) as their official currency. The Euro is used by all eurozone EU member states and several non-EU countries (Kosovo, Montenegro, Andorra, Monaco, San Marino, Vatican City). All eurozone countries are also SEPA members, enabling fast, low-cost transfers between them.

Countries

SEPA Members

Shortest IBAN

Longest IBAN

Country	Code	IBAN Length	SEPA	Example IBAN
Andorra	AD	24 chars	Non-SEPA	AD12 0001 2030 2003 5910 0100
Austria	AT	20 chars	SEPA	AT61 1904 3002 3457 3201
Belgium	BE	16 chars	SEPA	BE68 5390 0754 7034
Croatia	HR	21 chars	SEPA	HR12 1001 0051 8630 0016 0
Cyprus	CY	28 chars	SEPA	CY17 0020 0128 0000 0012 0052 7600
Estonia	EE	20 chars	SEPA	EE38 2200 2210 2014 5685
Finland	FI	18 chars	SEPA	FI21 1234 5600 0007 85
France	FR	27 chars	SEPA	FR76 3000 6000 0112 3456 7890 189
Germany	DE	22 chars	SEPA	DE89 3704 0044 0532 0130 00
Greece	GR	27 chars	SEPA	GR16 0110 1250 0000 0001 2300 695
Ireland	IE	22 chars	SEPA	IE29 AIBK 9311 5212 3456 78
Italy	IT	27 chars	SEPA	IT60 X054 2811 1010 0000 0123 456
Kosovo	XK	20 chars	Non-SEPA	XK05 1212 0123 4567 8906
Latvia	LV	21 chars	SEPA	LV80 BANK 0000 4351 9500 1
Lithuania	LT	20 chars	SEPA	LT12 1000 0111 0100 1000
Luxembourg	LU	20 chars	SEPA	LU28 0019 4006 4475 0000
Malta	MT	31 chars	SEPA	MT84 MALT 0110 0001 2345 MTLC AST0 01S
Monaco	MC	27 chars	SEPA	MC58 1122 2000 0101 2345 6789 030
Montenegro	ME	22 chars	Non-SEPA	ME25 5050 0001 2345 6789 51
Netherlands	NL	18 chars	SEPA	NL91 ABNA 0417 1643 00
Portugal	PT	25 chars	SEPA	PT50 0002 0123 1234 5678 9015 4
San Marino	SM	27 chars	SEPA	SM86 U032 2509 8000 0000 0270 100
Slovakia	SK	24 chars	SEPA	SK31 1200 0000 1987 4263 7541
Slovenia	SI	19 chars	SEPA	SI56 2633 0001 2039 086
Spain	ES	24 chars	SEPA	ES91 2100 0418 4502 0005 1332
Vatican City	VA	22 chars	SEPA	VA59 0011 2300 0012 3456 78

3 countries use EUR but are not in SEPA. Transfers to non-SEPA EUR countries (Kosovo, Montenegro, Andorra, Monaco, San Marino, Vatican) require a BIC/SWIFT code in addition to the IBAN, and may take 2–5 business days rather than the standard 1-day SEPA timeline.

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