What is the Sweden IBAN format?

Sweden IBANs start with SE, followed by 2 check digits, then a 20-character BBAN encoding the bank code, branch code, and account number.

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

SE SEPA Member

Sweden IBAN Format

Q: How long is a Sweden IBAN?

A Sweden IBAN is 24 characters long.

24-character IBAN · SEK Swedish Krona · SEPA zone

A Sweden IBAN is 24 characters long and always begins with the country code SE, followed by two check digits. The next 3 characters are the Bank Code. The remaining 16 characters identify the individual account number. The Sweden IBAN uses the SEK (Swedish Krona) 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

SEK

Swedish Krona

SEPA

Yes

SEPA member

Example IBAN

SE45 5000 0000 0583 9825 7466

SE Country

45 Check Digits

500 Bank Code

0000005839825746 Account Number

6 Check Digit

IBAN Structure

Position	Length	Field	Type	Example Value
1–2	2	Country Code	a	SE
3–4	2	Check Digits	n	45
5–7	3	Bank Code	n	500
8–23	16	Account Number	n	0000005839825746
24–24	1	Check Digit	n	6

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

Major Banks in Sweden

Bank Name	Bank Code	BIC / SWIFT	City
Handelsbanken	600	HANDSESS	Stockholm
Klarna Bank	950	KLRNSESS	Stockholm
Länsförsäkringar Bank	920	ELLFSESS	Stockholm
Nordea Sweden	300	NDEASESS	Stockholm
SEB	500	ESSESESS	Stockholm
Swedbank	800	SWEDSESS	Stockholm

Validate a Sweden IBAN

Paste a Sweden IBAN below to check it.

Sweden IBAN Regex Pattern

^SE\d{2}\d{3}\d{16}\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(' ', '', $input));
if (!preg_match('/^SE\\d{2}\\d{3}\\d{16}\\d{1}$/', $iban)) {
    // Invalid Sweden IBAN format
}

JavaScript

const iban = input.replace(/\s+/g, '').toUpperCase();
const pattern = /^SE\d{2}\d{3}\d{16}\d{1}$/;
if (!pattern.test(iban)) {
  // Invalid Sweden IBAN format
}

Python

import re
iban = input_str.replace(' ', '').upper()
pattern = r'^SE\d{2}\d{3}\d{16}\d{1}$'
if not re.fullmatch(pattern, iban):
    # Invalid Sweden 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 Sweden IBAN

Sweden accounts are traditionally identified using: Bank Code (3n) + Account Number (16n) + Check Digit (1n, embedded in account). 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 Sweden 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 Sweden 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 Sweden

Sweden 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 (24 characters, starts with SE)

Typical transfer time

0–1 day

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

Sweden is a SEPA member but uses SEK (Swedish Krona), not the Euro. SEPA Credit Transfers in EUR are available. Swedish domestic payments use the bankgiro/plusgiro system; IBAN is required for international transfers and increasingly used domestically. Clearing number (3–4 digits) + account number together form the BBAN.

Compare transfer services for Sweden

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

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

Central Bank

Sveriges Riksbank

https://www.riksbank.se ↗

← Sudan Switzerland →

Quick Facts

IBAN Length: 24 chars
Country Code: SE
Currency: SEK
SEPA: Yes
BBAN Format: 20n
IBAN Required: mandatory
Adopted: 2003