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Akif Hazarvi

Czechia IBAN

CZ·CZK·SEPA

The International Bank Account Number (IBAN) for Czechia is 24 characters long and is used to identify bank accounts for international transactions, within the SEPA network for euro transfers and via SWIFT for non-euro currencies.

A Czechia IBAN begins with the country code CZ and two check digits, followed by the 20-character BBAN (Basic Bank Account Number). The Czechia BBAN encodes a 4-character bank code, followed by a 16-character account number. As a SEPA member, Czechia supports low-cost euro transfers across 36+ European countries using the CZK currency. Always include the full 24-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

IBAN Length

24 chars

Currency

CZK

SEPA

Yes

Banks

7+

Example IBAN

Electronic format

CZ6508000000192000145399

Print format

CZ65 0800 0000 1920 0014 5399

IBAN structure for Czechia

A Czechia IBAN is 24 characters long and consists of the following components:

Country code

CZ

Check digits

65

Bank code

4 chars

Account number

16 chars

Total length24 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Czechia:

Bank code4 characters

^[0-9]{4}

Account number16 characters

^[0-9]{16}

Major banks in Czechia

7 banks in Czechia that support IBAN-based international transfers:

K

Komercni Banka A.S.

C

Ceskoslovenska Obchodni Banka, A.S.

R

Raiffeisenbank A.S.

U

Unicredit Bank Czech Republic,A.S.

C

Ceska Sporitelna A.S.

F

Fio Banka, A.S.

E

Equa Bank A.S.

Frequently asked questions

What is the IBAN format for Czechia?

A Czech IBAN is exactly 24 characters long. It starts with CZ, 2 check digits, a 4-digit bank code, a 6-digit account prefix (zero-padded), and a 10-digit account number. Example: CZ65 0800 0000 1920 0014 5399.

How does the Czech domestic account number relate to the IBAN?

Czech domestic accounts are expressed as prefix-accountnumber/bankcode (e.g., 19-2000145399/0800). To form the IBAN, the 4-digit bank code becomes positions 5–8, the 6-digit prefix (zero-padded) becomes positions 9–14, and the 10-digit account number fills positions 15–24. The Czech National Bank (CNB) provides an official converter tool on its website.

Is Czechia part of SEPA?

Yes. Czechia is a SEPA member, enabling cheap and fast euro transfers from EU and EEA countries. However, the domestic currency is the Czech koruna (CZK), so incoming EUR SEPA payments may be converted to CZK unless you hold a dedicated EUR account at your Czech bank.

What are the bank codes for CSOB, Komercni banka, and Ceska sporitelna?

The 4-digit bank codes used in Czech IBANs are: 0300 for CSOB (Ceskoslovenska obchodni banka), 0100 for Komercni banka, and 0800 for Ceska sporitelna (owned by Erste Group). Other common codes include 2010 for Fio banka, 3030 for Air Bank, and 5500 for Raiffeisenbank Czech.

How do I find my IBAN at a Czech bank?

Your IBAN is shown in your online banking or mobile app on the account details page. It also appears on bank statements and correspondence. CSOB's CSOB Smart app, Komercni banka's MojeBanka portal, and Ceska sporitelna's George app all display the 24-character CZ IBAN.

Do I need a SWIFT code to receive an international transfer to Czechia?

For SEPA transfers from EU and EEA countries in EUR, only the CZ IBAN is required — no SWIFT code is needed. For transfers in CZK from outside Czechia, or any transfer from a non-SEPA country, the sender also needs your bank's SWIFT/BIC code.

Can I receive CZK from abroad via SEPA?

No. SEPA transfers only carry EUR — you cannot receive CZK via SEPA. CZK transfers from abroad must be sent via SWIFT, and the sender will need your CZ IBAN plus your bank's SWIFT code. Some Czech banks maintain both a CZK and a EUR account, each with its own IBAN.

How IBAN is used in Czechia

Czechia uses a 24-character IBAN and is a SEPA member, though the domestic currency remains the Czech koruna (CZK). The Czech National Bank (CNB) oversees the payment system, and IBANs are used alongside the older domestic account format of prefix/account number/bank code. The Czech IBAN is generated by encoding the four-digit domestic bank code and the combination of the account prefix and account number into the BBAN.

A Czech IBAN starts with CZ, two check digits, a four-digit bank code, six-digit account prefix (zero-padded), and a ten-digit account number. Banks like CSOB (bank code 0300), Komercni banka (0100), and Ceska sporitelna (0800) are identified by their bank codes. If you know your domestic Czech account number in the format prefix-accountnumber/bankcode, you can derive the IBAN using the CNB's official converter.
For receiving euro transfers from SEPA countries, your Czech IBAN alone is sufficient. For CZK transfers from abroad, senders need both the IBAN and the SWIFT/BIC code. Czech banks such as Air Bank, Moneta, and Raiffeisenbank Czech also use IBANs across all account types, including savings and business accounts.
Czech employers and government agencies increasingly use the IBAN for salary and benefit payments, though the legacy domestic format (prefix-number/bank code) is still widely understood locally. When sharing your account details internationally, always use the full CZ IBAN rather than the domestic format to avoid misrouted payments.