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Akif Hazarvi

Finland IBAN

FI·EUR·SEPA

The International Bank Account Number (IBAN) for Finland is 18 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 Finland IBAN begins with the country code FI and two check digits, followed by the 14-character BBAN (Basic Bank Account Number). The Finland BBAN encodes a 6-character bank code, followed by a 7-character account number, followed by a 1-character national check digit. As a SEPA member, Finland supports low-cost euro transfers across 36+ European countries using the EUR currency. Always include the full 18-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

IBAN Length

18 chars

Currency

EUR

SEPA

Yes

Banks

3+

Example IBAN

Electronic format

FI2112345600000785

Print format

FI21 1234 5600 0007 85

IBAN structure for Finland

A Finland IBAN is 18 characters long and consists of the following components:

Country code

FI

Check digits

21

Bank code

6 chars

Account number

7 chars

National check digit

1 char

Total length18 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 Finland:

Bank code6 characters

^[0-9]{6}

Account number7 characters

^[0-9]{7}

National check digit1 characters

^[0-9]{1}

Major banks in Finland

3 banks in Finland that support IBAN-based international transfers:

D

Danske Bank

P

Pohjola Pankki Oyj (Pohjola Bank Plc)

N

Nordea Bank Finland Plc

Understanding IBAN in Finland

What is the IBAN format in Finland

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Finland

IBAN in Finland consists of 18 characters: 2 letter country code 2 digit check number 6 characters from the bank's bank code 7 digit code for the bank account number 1 digit code for national code

Do you need an IBAN in Finland

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Finland, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

What is the IBAN format for Finland?

A Finnish IBAN is exactly 18 characters long — one of the shorter IBANs in Europe. It starts with FI, 2 check digits, a 6-digit bank branch code, and an 8-digit account number with a check digit at the end. Example: FI21 1234 5600 0007 85.

Is Finland part of SEPA?

Yes. Finland is a eurozone and founding SEPA member. Euro transfers from other EU and EEA countries are processed via SEPA Instant Credit Transfer (SCT Inst) or SEPA Credit Transfer (SCT), settling within seconds or by the next business day. Finland's banking sector participates fully in both schemes.

How do I find my IBAN at Nordea or OP Financial Group?

Log in to Nordea's netbank or mobile app — your FI IBAN is shown on the account summary. OP Financial Group's OP mobile app and internet banking also display the 18-character IBAN under account details. Danske Bank Finland customers can find theirs in the Danske Mobile app. Your IBAN is also printed on account statements.

What do Finnish bank IBANs look like by bank?

Finnish IBANs are identifiable by the branch code portion. Nordea accounts typically begin FI12, OP Financial Group accounts FI50–FI58, Danske Bank Finland FI34, and Aktia Bank FI40. The 6-digit bank branch code encodes both the bank and the specific branch.

Do I need a BIC code to receive EUR in Finland from the EU?

Within SEPA, only the FI IBAN is required for euro transfers. BIC is no longer mandatory for SEPA Credit Transfers within the EU and EEA. For transfers from outside SEPA (such as from the US or UK), the sender should include both the IBAN and your bank's SWIFT/BIC code.

What is Finland's Siirto payment system?

Siirto is Finland's domestic instant payment service that enables real-time EUR transfers between Finnish bank accounts, using the IBAN (or phone number linked to an account) as the identifier. It is used for peer-to-peer and merchant payments, but is separate from SEPA international transfers — Siirto only works between Finnish bank accounts.

Can I use my Finnish IBAN to receive salary or Kela benefits?

Yes. Finnish employers and the Kela social insurance institution pay salaries and benefits directly to your FI IBAN. When you start employment in Finland or apply for Kela support, you will be asked to provide your bank account IBAN. Ensure you register the correct 18-character FI IBAN to avoid payment delays.

How IBAN is used in Finland

Finland uses an 18-character IBAN, one of the shorter formats in Europe, which maps directly from the legacy Finnish bank account number. Finland is a eurozone and SEPA member, and IBAN-based transfers have been the sole standard for both domestic and cross-border euro payments since the SEPA migration was completed. The Bank of Finland (Suomen Pankki) oversees payment stability, with the commercial banking sector dominated by Nordea, OP Financial Group, and Danske Bank Finland.

A Finnish IBAN starts with FI, two check digits, a six-digit bank branch code, and an eight-digit account number with a final check digit. The six-digit branch code identifies both the bank and branch. Nordea's IBANs typically begin with FI12, OP Financial Group accounts with FI50-FI58, and Danske Bank Finland with FI34. All Finnish banks display the IBAN in their online and mobile banking.
Within SEPA, the Finnish IBAN alone is sufficient for euro transfers — no BIC is required for credit transfers within the EU and EEA. Finland also operates the domestic Siirto instant payment system, which uses the IBAN as the underlying account identifier for real-time EUR payments between Finnish banks.
Finnish employers, the Kela social insurance institution, and the Finnish Tax Administration all use the IBAN for salary, benefit, and refund disbursements. If you are relocating to Finland or receiving Finnish pension payments from abroad, register your FI-prefixed IBAN with the relevant authority as soon as your account is opened.