Czechia IBAN
A Czechia IBAN is 24 characters long and Czechia is in SEPA.
CZ and two check digits open every Czechia IBAN; its remaining 20 form the BBAN (Basic Bank Account Number).
Example Czechia IBAN
Electronic format
CZ6508000000192000145399
Print format
CZ65 0800 0000 1920 0014 5399
IBAN structure for Czechia
Major banks in Czechia
6 banks in Czechia that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Czechia IBAN 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 and ten-digit account number, all drawn directly from the domestic account details already printed on your statements — a Czech bank can generate your IBAN from those without you doing any conversion yourself.
- The euro/koruna split matters here in a way it doesn't in Spain or Italy: CERTIS, Czechia's own instant-payment system, settles CZK transfers between Czech banks in seconds — but it is a domestic system. A euro payment routed through SEPA and a koruna payment routed through CERTIS are two different rails, and only the euro one uses the IBAN under the EU's SEPA Instant rules directly; a CZK transfer between Czech accounts typically doesn't need the IBAN at all, since the domestic prefix/account/bank-code format still works for CNB-cleared koruna payments.
- For a euro payment from elsewhere in the eurozone, your Czech IBAN and your bank's BIC are what a sender needs. Expect the receiving bank to convert to koruna unless you hold a euro-denominated account, and ask what rate applies before assuming SEPA's normal 'no conversion needed' logic carries over — it doesn't, because CZK isn't the euro.
- Czech direct debits (inkaso) for utilities and subscriptions are set up with your IBAN in the same way as SEPA Direct Debit elsewhere in the EU, but running in koruna rather than euro means they sit outside the SEPA Direct Debit scheme technically, even though the mechanics your bank shows you look identical.
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