What is the Estonia IBAN format?

Estonia IBANs start with EE, followed by 2 check digits, then a 16-character BBAN encoding the bank code, branch code, and account number.

Estonia is a SEPA member. Transfers from other SEPA countries are fast and low-cost.

EE SEPA Member

Estonia IBAN Format

Q: How long is a Estonia IBAN?

A Estonia IBAN is 20 characters long.

20-character IBAN · EUR Euro · SEPA zone

A Estonia IBAN is 20 characters long and always begins with the country code EE, followed by two check digits. The next 2 characters are the Bank Code. This is followed by the Branch Code (2 characters). The remaining 11 characters identify the individual account number. The Estonia IBAN uses the EUR (Euro) and is a <strong>SEPA member</strong>, meaning euro transfers from other SEPA countries are fast and low-cost.

Length

characters

Country Code

ISO 3166-1

Currency

EUR

Euro

SEPA

Yes

SEPA member

Example IBAN

EE38 2200 2210 2014 5685

EE Country

38 Check Digits

22 Bank Code

00 Branch Code

22102014568 Account Number

5 Check Digit

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	EE
3–4	2	Check Digits	n	38
5–6	2	Bank Code	n	22
7–8	2	Branch Code	n	00
9–19	11	Account Number	n	22102014568
20–20	1	Check Digit	n	5

n = numeric only (0–9) a = alphabetic only (A–Z) c = alphanumeric (0–9, A–Z)

Validate a Estonia IBAN

Paste a Estonia IBAN below to check it.

Estonia IBAN Regex Pattern

^EE\d{2}\d{2}\d{2}\d{11}\d{1}$

Pattern validates length, country code, check digit positions, and field character types. Does not verify the MOD-97 checksum (use the validator above for full validation).

PHP

$iban = strtoupper(str_replace(' ', '', $input));
if (!preg_match('/^EE\\d{2}\\d{2}\\d{2}\\d{11}\\d{1}$/', $iban)) {
    // Invalid Estonia IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^EE\d{2}\d{2}\d{2}\d{11}\d{1}$/;
if (!pattern.test(iban)) {
  // Invalid Estonia IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^EE\d{2}\d{2}\d{2}\d{11}\d{1}$'
if not re.fullmatch(pattern, iban):
    # Invalid Estonia IBAN format

These snippets check format only. For full IBAN validation including MOD-97 checksum, use a dedicated IBAN library or the validator on this page.

How to Find Your Estonia IBAN

Estonia accounts are traditionally identified using: Bank Code (2n) + Account Number (14n). Your IBAN encodes these same components in the standardised international format.

1
Mobile banking app — Open your bank's app, navigate to account details or "Account Info." Your IBAN is usually displayed alongside your account number. Look for a field labelled "IBAN" or "International Account Number."
2
Bank statement — Your Estonia IBAN appears in the account header of your printed or PDF bank statement, typically near the top of the first page.
3
Online banking — Log in to your bank's website and go to "Account Details," "Account Summary," or "Profile." Most Estonia banks display the IBAN prominently in account settings.
4
Bank branch or helpline — Call your bank's customer service or visit a branch with your ID. They can provide your full IBAN instantly.

Once you have your IBAN, use the validator above to confirm it is correctly formatted before sharing it.

Sending Money to Estonia

Estonia is a SEPA member. From any other SEPA country, you only need the recipient's IBAN — no BIC/SWIFT required. Transfers settle within 1 business day (or instantly via SEPA Instant Credit Transfer). Fees cannot exceed what your bank charges for a domestic payment.

What to provide

Recipient's full name
IBAN (20 characters, starts with EE)

Typical transfer time

0–1 day

SEPA Credit Transfer (1 day) or SEPA Instant (<10 seconds if both banks support it)

Estonia is a SEPA member using the Euro. IBAN alone is sufficient for SEPA transfers. Estonian IBANs are short at 20 characters. Estonia adopted the Euro in 2011.

Compare transfer services for Estonia

Specialist services typically charge significantly less than high-street banks for international transfers.

Wise — Low fees, real exchange rate ↗ Revolut — Fast transfers ↗

Central Bank

Eesti Pank

https://www.eestipank.ee ↗

← El Salvador Faroe Islands →

Quick Facts

IBAN Length: 20 chars
Country Code: EE
Currency: EUR
SEPA: Yes
BBAN Format: 16n
IBAN Required: mandatory
Adopted: 2007