What is the Finland IBAN format?

Finland IBANs start with FI, followed by 2 check digits, then a 14-character BBAN encoding the bank code, branch code, and account number.

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

FI SEPA Member

Finland IBAN Format

Q: How long is a Finland IBAN?

A Finland IBAN is 18 characters long.

18-character IBAN · EUR Euro · SEPA zone

A Finland IBAN is 18 characters long and always begins with the country code FI, followed by two check digits. The next 6 characters are the Bank Code. The remaining 7 characters identify the individual account number. The Finland 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

FI21 1234 5600 0007 85

FI Country

21 Check Digits

123456 Bank Code

0000078 Account Number

5 Check Digit

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	FI
3–4	2	Check Digits	n	21
5–10	6	Bank Code	n	123456
11–17	7	Account Number	n	0000078
18–18	1	Check Digit	n	5

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

Major Banks in Finland

Bank Name	Bank Code	BIC / SWIFT	City
Danske Bank Finland	800000	DABAFIHH	Helsinki
Handelsbanken Finland	313000	HANDFIHH	Helsinki
Nordea Finland	123456	NDEAFIHH	Helsinki
OP Financial Group	405500	OKOYFIHH	Helsinki
POP Pankki	715000	POPFFI22	Helsinki

Validate a Finland IBAN

Paste a Finland IBAN below to check it.

Finland IBAN Regex Pattern

^FI\d{2}\d{6}\d{7}\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(' ', '', $input));
if (!preg_match('/^FI\\d{2}\\d{6}\\d{7}\\d{1}$/', $iban)) {
    // Invalid Finland IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^FI\d{2}\d{6}\d{7}\d{1}$/;
if (!pattern.test(iban)) {
  // Invalid Finland IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^FI\d{2}\d{6}\d{7}\d{1}$'
if not re.fullmatch(pattern, iban):
    # Invalid Finland 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 Finland IBAN

Finland accounts are traditionally identified using: Bank Code (6n) + Account Number (7n) + Check Digit (1n). 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 Finland 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 Finland 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 Finland

Finland 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 (18 characters, starts with FI)

Typical transfer time

0–1 day

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

Finland is a SEPA member using the Euro. IBAN alone is sufficient for SEPA transfers. Finnish IBANs are short at 18 characters. Finland adopted the Euro in 2002.

Compare transfer services for Finland

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

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

Central Bank

Bank of Finland

https://www.suomenpankki.fi ↗

← Faroe Islands France →

Quick Facts

IBAN Length: 18 chars
Country Code: FI
Currency: EUR
SEPA: Yes
BBAN Format: 14n
IBAN Required: mandatory
Adopted: 2003