What is the Netherlands IBAN format?

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

Is Netherlands in SEPA?

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

NL SEPA Member

Netherlands IBAN Format

Q: How long is a Netherlands IBAN?

A Netherlands IBAN is 18 characters long.

18-character IBAN · EUR Euro · SEPA zone

A Netherlands IBAN is 18 characters long and always begins with the country code NL, followed by two check digits. The next 4 characters are the Bank Code (BIC). The remaining 10 characters identify the individual account number. The Netherlands 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

NL91 ABNA 0417 1643 00

NL Country

91 Check Digits

ABNA Bank Code (BIC)

0417164300 Account Number

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	NL
3–4	2	Check Digits	n	91
5–8	4	Bank Code (BIC)	a	ABNA
9–18	10	Account Number	n	0417164300

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

Major Banks in Netherlands

Bank Name	Bank Code	BIC / SWIFT	City
ABN AMRO	ABNA	ABNANL2A	Amsterdam
ASN Bank	ASNB	ASNBNL21	The Hague
ING Bank	INGB	INGBNL2A	Amsterdam
Knab	KNAB	KNABNL2H	Amsterdam
Rabobank	RABO	RABONL2U	Utrecht
SNS Bank	SNSB	SNSBNL2A	Utrecht
Triodos Bank	TRIO	TRIONL2U	Zeist
bunq	BUNQ	BUNQNL2A	Amsterdam

Validate a Netherlands IBAN

Paste a Netherlands IBAN below to check it.

Netherlands IBAN Regex Pattern

^NL\d{2}[A-Z]{4}\d{10}$

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(' ', '', $input));
if (!preg_match('/^NL\\d{2}[A-Z]{4}\\d{10}$/', $iban)) {
    // Invalid Netherlands IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^NL\d{2}[A-Z]{4}\d{10}$/;
if (!pattern.test(iban)) {
  // Invalid Netherlands IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^NL\d{2}[A-Z]{4}\d{10}$'
if not re.fullmatch(pattern, iban):
    # Invalid Netherlands 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 Netherlands IBAN

Netherlands accounts are traditionally identified using: Bank Code (4a) + Account Number (10n, zero-padded). 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 Netherlands 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 Netherlands 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 Netherlands

Netherlands 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 NL)

Typical transfer time

0–1 day

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

Netherlands is a SEPA member using the Euro. IBAN alone is sufficient for SEPA transfers. Dutch IBANs are a compact 18 characters. The 4-letter bank code is alphabetic (e.g., ABNA for ABN AMRO, INGB for ING). The account number is left-zero-padded to 10 digits.

Compare transfer services for Netherlands

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

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

Central Bank

De Nederlandsche Bank

https://www.dnb.nl ↗

← Montenegro North Macedonia →

Quick Facts

IBAN Length: 18 chars
Country Code: NL
Currency: EUR
SEPA: Yes
BBAN Format: 4a10n
IBAN Required: mandatory
Adopted: 2001

IBAN Calculator

Convert a local Netherlands account number to IBAN.

Open Netherlands IBAN Calculator →